Loan Quote with a Soft Credit Check

£50 to £5,000 loans available today

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Instant quote with a soft credit check and no fees.

Small loans can be sent the same day.

Over 7500 no obligation quotes processed every single day!^

Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and maximum 1721% APR - your no-obligation quote and APR will be based on your personal circumstances.

Payday UK is a registered trading name Payday Loans Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. If you accept a lender’s loan offer, they will perform a hard credit search. PaydayUK and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.

Loans between £50 and £5000 over a 3-month to 36-month term.

Warning: Late repayment can cause you serious money problems. For help, go to

No Credit Check Loans Myth

There is no such thing as a no credit check loan. Try the eligibility checker to find out if you will be approved.

Many people look for bad credit loans with no credit checks. This is because they believe finding a loan with no credit check is the only way they’ll be approved. However, we specialise in providing access to loans for people with bad credit.

All lenders have to perform certain checks, such as credit and affordability checks. The good news is that lenders use soft search technology which doesn’t harm your credit score.

We've helped out
thousands of people...

£200 for Jane in Culross
£400 for Louis in Folkestone
£200 for Michael in London
£200 for Natalie in Lincolnshire
£300 for Hanif in Birmingham
£600 for Elizabeth in Lockerbie
£250 for Louisa in Croydon
£1500 for Mary in Motherwell
£500 for Stuart in Worthing
£1000 for Martin in Lincolnshire
£100 for Harley in Folkestone
£300 for Glen in Dereham
£1500 for Samuel in Harrogate
£50 for Neil in York
£200 for Bartosz in Yeovil
£1000 for George in Bromley
£200 for Vincent in Southport
£200 for Carly in Manchester
£400 for Jessica in Huddersfield
£500 for Chanelle in Bradford
£500 for Anna in Launceston
£300 for Mark in Guildford
£2000 for Mohammed in Smethwick
£300 for Michael in Stirlingshire
£300 for Judy in Islington
£400 for Anthony in London
£1000 for Rashid in Manchester
£300 for Anish in Essex
£350 for Danielle in Bradford

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How much do you need?

Will I be Approved?

The online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

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Powered by Flux Funding

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

Apply Online

Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash.

Get Your Money

Once accepted, your money can often be paid into your account the same day.

More questions? We've got you covered

It’s possible to apply for a loan without doing any harm to your credit score. However, all lenders are regulated by the FCA (Financial Conduct Authority) and must perform a full credit check before releasing any funds.

Initially, lenders only perform a soft credit check, which there is no trace of on your credit file when other lenders view it. This provides us with enough information to be able to see which lenders criteria you meet. They make a loan offer based on this. If you accept the loan offer, they will perform a credit check before releasing the funds, but you’ll already know you meet the required criteria, so as long as you make all of the agreed payments on time, it should only improve your credit score.

Applying for a loan via Payday UK will not show up on your credit file when others view it. If you have full access to your credit file, you’ll be able to see that a soft credit check was performed, but no other lender can see it. If you accept a loan offer, a full credit check will be performed, and that will show up on your credit file. However, if you make all the agreed payments, it should only improve your credit score.

Yes. Applying for a loan will not do any harm to your credit score as our lenders use soft search technology when assessing your application.

Yes. If you’ve gone more than six years without needing to borrow any money, or you’ve just moved back to the UK from abroad, then there might not be enough history on your credit file for lenders to gauge how much of a risk you are. This is treated in a similar way to a person with bad credit; however, as you build a history of successfully making payments, your credit score will improve accordingly.

A soft credit search allows your broker to see enough information about you to be able to match you with the best lenders for you. A soft credit search will not harm your credit score in any way. This initial stage means your lender can give you an instant decision about your eligibility. If you’re eligible, your broker will show you the best loan offer available to you from a panel of lenders.

If you choose to proceed with the loan, the lender will perform a full credit search before releasing any funds. This is a mandatory requirement of the FCA (Financial Conduct Authority).