No Credit Check Loans Are Not Available

But Bad Credit Loans from £100 to £5,000 are 👍

* Our lender’s loans do require credit checks – use the loan slider below to find a bad credit loan

Representative 49.9% APR

Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.


Are there loans with no credit check?

No, all UK lenders must do credit checks, but there is good news – poor credit history is okay with our lenders * 😀

  • Missed payments and defaults not a problem
  • No credit score impact for getting quotes
  • Over 35 specialised poor credit lenders

* Subject to affordability and lenders criteria

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  • one simple form
  • over 30 lenders
  • instant quotes
  • all online
  • no obligation
  • free service
  • secure

Frequently Asked Questions

When getting quotes there is no impact on your credit file 👍

Lenders do a ‘soft search’ which cannot be seen by others, this does not impact your credit score, to get quotes:

  • Fill out our 3-minute form
  • Receive online quotes in 30-seconds

It’s possible 👍

When our lenders look at your application, they don’t just look at your credit file, they also look at your personal circumstances, such

  • Income – is you have a provable steady income (benefits, self-employed, employed, pension etc.)
  • Affordability – are the loan repayments affordable to you
  • Bank account – most lenders now require applicants to have a UK bank account
  • Guarantor – do you have a guarantor? If yes, then the typically more affordable guarantor loans are available to you.
  • Other things also – this varies from lender to lender

Credit Check Fail Items 👎

Unfortunately, our lenders will not accept everyone, and areas that may cause you to fail the credit check could include

  • Being insolvent – if you are currently bankrupt, in an IVA, Trust Deed (Scotland), debt management plan
  • Too young or old – if you are under 18 of over 75
  • No permanent address – no residence you can call a permanent home
  • Non-UK resident – applicants must be permanent residents of the UK

Our lenders have loans from £100 all the way up to £5,000 👍

How much you can borrow will depend on your status and how much you can afford, for example:

  • No guarantor – if you don’t have a guarantor, then you’ll be able to get up to a maximum currently of £5,000
  • No bank account – currently only out doorstep loans are suitable to those with no bank account, which are from £100 to £1,000

This will depend on the type of loan you are going for:

3 – 5 days

Doorstep (£100 – £1,000)

  • The online application process can be done in typically less than half an hour
  • The agent’s representative needs to visit your house and complete the application in person; the time they’ve available to visit will depend on their availability, which can delay things a little.
  • They will complete your application and make the loan payment in cash there and then.

Same day – 2 days

Instalment & unsecured (£100 up to £5,000)

If you have all the information required by the lender available, and supplied in good time, then some lenders can pay-out the same day.

Typically, proof of *

  • ID – such as a UK driving licence or passport
  • Address – such as a utility bill
  • Income – payslips, benefits statement etc.
  • Expenses – bank statements

* Each lender has its own list of acceptable documents that they require, and to ensure fast pay-outs, you should get all that they require quickly.

  • Using is free – see how we earn revenue
  • Applying to all our lenders is free – though they may have other costs as well as interest charges, which they will tell you about up front.

To get the costs, fill out this 3-minute form to get quotes, then apply to your preferred lender.

Credit File Questions

To verify who you are, where you live and that you’re not bankrupt

  • Identity – in today’s connected world, they need to double check who you say you are; this is also for your own security (to stop someone else taking out a loan in your name!).
  • Address – as part of your ID checks, they also need to check you have a permanent address.
  • Solvency – our lenders currently only accept borrowers who are solvent, in other words if you’re bankrupt, in an IVA or Trust Deed, or debt management plan, you’ll not be accepted, so they need to check this.

Lenders so soft searches only 👍

When you fill out our application form to get quotes, lenders do what’s called a ‘soft search’ on your file.

These ‘soft searches’ cannot be seen by anyone else, or any other lenders, so does not impact you credit score, or future loan applications in any way.

Possibly 🤔

Typically, if you get a loan out and then pay it back on time, and in full, this is considered good for your credit file.

Normally true for longer term loans such as 👍

  • Guarantor
  • Unsecured

Often not the case for short term credit such as 👎

  • Payday
  • Instalment
  • Doorstep

Whilst this may not seem fair, but many of the ‘high street lenders’ view the use as short terms credit as a possible sign of poor money management.

There are three credit reference agencies in the UK which record details of your credit history:

  • Experian
  • Equifax
  • Trans Union


  • Not all information is included by all three agencies! So to save you some time Checkmyfile draws information from all three agencies.
  • Checkmyfile is free for 30 days, then for just £14.99 a month after, which you can cancel online at any time.


  • If you’d like intelligent guidance on how to improve your credit score, see
  • Credibble is £7.95 a month (cancel online at any time)

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Click Apply Now for quotes for all the loans you’ve been pre-approved for.

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