Short Term Loan with No Credit Check
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.
We do everything we can 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.
We've helped out
thousands of people...
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£300 for Michael in Stirlingshire
£300 for Judy in Islington
£200 for Natalie in Lincolnshire
£200 for Bartosz in Yeovil
£500 for Chanelle in Bradford
£1500 for Samuel in Harrogate
£300 for Anish in Essex
Will I be Approved?
Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.
Check EligibilityHow it Works
We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.
Apply Online
Fill out our short, secure form and search our 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
Your money can often be paid into your account within just 10 minutes.*
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 with Payday UK, you are maximising your chances of being accepted. Unfortunately, there are no guarantees. However, our panel of direct lenders can provide loans for most people. Our 95% accept rate supports this.
Many of the direct lenders we work with 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, we can 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 through Payday UK, our 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.
