Short Term Loan with No Credit Check Don’t Exist
If you have a poor credit rating, a no credit check short term loan probably sounds great. Beware though, lenders have to perfrom a credit check by law.
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Everything is done to make getting you approved for a short-term loan as easy and quick as possible. When you initially apply, lenders only perform a soft credit check, so no record of the application is visible on your credit record.
However, a full credit check is a legal requirement of the FCA (Financial Conduct Authority) for all direct lenders. You should be wary of any company claiming they can grant short-term loans with no credit check.
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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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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
In short, no. However, you can apply for a loan without causing any harm to your credit score. You are under no obligation to accept the loan offer, so you can apply and see what the best deal on offer to you is without fear of damaging your credit report.
If you accept a loan, then the direct lender is required by the FCA (Financial Conduct Authority) to perform a full credit check before releasing any funds. The FCA regulates all direct lenders, so if another lender is claiming to be able to offer short-term loans with no credit check, they could be misleading you or not trading legally.
No. Payday UK do not charge any fees for using our service. You should never pay a lender or broker an upfront fee for a loan.
If you apply for a short-term loan via Payday UK, you are maximising your chances of being accepted. Unfortunately, there are no guarantees. However, we introduce you to a panel of direct lenders that can provide loans for most people.
Many of the direct lenders on our brokers panel specialise in certain types of loans. Some of them are great at helping people with bad credit, while others are more suited to short-term loans only. By automatically comparing your circumstances to their criteria, a loan broker can help select the best companies for you, and then show you the loan that offers the best deal from these lenders.
Yes. You will receive an instant decision as soon as you submit your application. We understand that many people taking advantage of the speed offered by a payday loan need access to the money urgently.
When you apply for a loan via Payday UK, lenders perform a soft credit search, which will not harm your credit rating in any way. The only person that can see a soft credit check has been performed is you.
If you accept a loan offer, the direct lender is required by law to perform a full credit check before releasing the funds. A full credit check will appear on your credit record, but you’ll already know you match their criteria before it happens. If you accept a loan offer and make all the scheduled repayments on time, it should only improve your credit score. However, if you fail to keep up the repayments in can damage your credit rating.
Loan guides
These guides will help you find out more about the different types of loan and lenders available.
