No Credit Check Loans
No credit check loans, do they exist? This is a question that’s plagued the Loanfinder team and the answer isn’t as straightforward as you might hope. There are two terms used in the finance industry which relate to a creditor looking at an applicant’s credit file. Credit checking and credit scoring. Credit checking is where a creditor looks at a customer’s credit file to check out that the information provided by the customer is true and that they’re a real person. Credit scoring is where the creditor uses the information on the credit file to check whether they should lend to that customer.
If you’ve got either a good or fair credit profile and you’re visiting this page because you’re looking to apply for a loan that won’t show on your credit file with the aim of protecting your credit rating, then you need to weigh up your options. From our research and our own experiences of applying for loans - all lenders will leave some sort of footprint (a record of their search) on your credit file that could affect your ability to get credit in future. Our advice if you’re trying to avoid multiple searches showing on your credit file is a) stick to the good credit sections of this site, b) keep an eye on your credit file using a site such as Noddle.co.uk, creditexpert.co.uk or checkmyfile.com and c) if you are going to apply for a loan, just make the one application and if you get declined don’t make anymore applications for at least six months.
If you’re someone with a poor credit profile maybe with defaults or CCJs and you’re looking for a no credit check loan to avoid lenders seeing negative credit information on your file, then this page is for you. If you already have loans or credit cards that you've defaulted on then please do consider carefully whether taking out another loan is the right thing to do, check out our alternatives to borrowing page for more info.
Many guarantor lenders will not consider your credit score when deciding whether to give you a loan. They offer loans of £50 - £7500 and will lend to you even if you have a bad credit history so long as you have a friend or family member willing to back your application. We’ve included them in the comparison table below and have a page dedicated specifically to guarantor loans.
Doorstep lenders offer cash loans of up to £500 to new customers regardless of your credit profile, delivered and collected on your doorstep. Doorstep lenders are lenders of last resort so be careful when looking at this option - find out what that means here. We’ve also included doorstep lenders in the comparison table below and have a page dedicated specifically to them here.
If you have your own car that’s free of finance and under 10 years old then a logbook loan is an option. Logbook lenders are lenders of last resort so be careful when looking at this option - find out what that means here. We’ve included them in the comparison table below and have a page dedicated specifically to logbook loans here.
If you have valuables you may be able to secure a loan against them. Online pawnbrokers will value your goods and offer you a loan depending on that valuation - not based on your credit history. Once the loan is repaid you will get your items back. We have a page dedicated specifically to online pawn brokerage here and we’ve featured them in the table below.
If you're looking for a loan and your credit history isn't squeaky clean then I'd strongly recommend checking out your local credit union. Credit unions are not-for-profit organisations with APRs to rival those you’d find with banks and supermarkets. You’ll normally have had to save with them for a few months before they’ll lend to you, but if you can wait for the cash, it’s a great financial position to be in. We’re not going to feature them on this table as they’ll only lend to you if you’re in their catchment area or work in a profession that they cover. We have a comparison page dedicated to credit unions here and to find your local credit union, use Loan search.
Loan search
| Rank | Loan | APR | Average Review | Min. Loan Amount | Max. Loan Amount | Min. Loan Term | Max. Loan Term | APR | Average Review | Visit Lender |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 |
|
82.2% APR
Representative
|
   |
£1000
|
£1000000
|
1 month
|
6 months
|
82.2% APR
Rep.
|
|
|
|
Representative example: based on £1000 over 1 month, monthly repayments of £1,051.27, total amount repayable £1,051.27. Representative APR 82.2%. Chancery House, 53-64 Chancery Lane, London, Greater London, WC2A 1QU |
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| 2 |
|
49.9% APR
Representative
|
 |
£500
|
£5000
|
12 months
|
60 months
|
49.9% APR
Rep.
|
|
|
|
Representative example: based on £500 over 12 months, monthly repayments of £51.53, total amount repayable £618.38. Representative APR 49.9%. Walton House, 56-58 Richmond Hill, Bournemouth, Dorset, BH2 6EX |
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| 3 |
|
104% APR
Representative
|
 |
£50
|
£2000
|
26 weeks
|
156 weeks
|
104% APR
Rep.
|
|
|
|
Representative example: based on £100 over 26 weeks, weekly repayments of £4.60, total amount repayable £119.70. Representative APR 104%. 39 Bedford Street South, Leicester, Leicestershire, LE1 3JN |
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| 4 |
|
464.4% APR
Representative
|
 |
£200
|
£25000
|
1 month
|
36 months
|
464.4% APR
Rep.
|
|
|
|
Representative example: based on £200 over 1 month, monthly repayments of £231.03, total amount repayable £231.03. Representative APR 464.4%. Customer Services, Mobile Money Limited, 62 Birchfield Road, Redditch, B97 4LH |
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| 5 |
|
53.8% APR
Representative
|
 |
£1000
|
£5000
|
12 months
|
60 months
|
53.8% APR
Rep.
|
|
|
|
Representative example: based on £1000 over 12 months, monthly repayments of £104.41, total amount repayable £1,252.98. Representative APR 53.8%. UK Credit, St Crispin's House, Duke Street, Norfolk, NR3 1PD |
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| 6 |
|
399.7% APR
Representative
|
|
£200
|
£1000
|
7 days
|
350 days
|
399.7% APR
Rep.
|
|
|
|
Representative example: based on £200 over 7 days, a single repayment of £203.55, total amount repayable £203.55. Representative APR 399.7%. Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF17 9TD |
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| 7 |
|
498% APR
Representative
|
 |
£500
|
£20000
|
4 weeks
|
78 weeks
|
498% APR
Rep.
|
|
|
|
Representative example: based on £500 over 4 weeks, weekly repayments of £136.12, total amount repayable £544.49. Representative APR 498%. Millennium Business Centre, Humber Road, London, Greater London, NW2 6DW |
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| 8 |
|
469.8% APR
Representative
|
|
£100
|
£1000
|
33 weeks
|
50 weeks
|
469.8% APR
Rep.
|
|
|
|
Representative example: based on £100 over 33 weeks, weekly repayments of £5.09, total amount repayable £167.97. Representative APR 469.8%. Morses Club Limited, Unit 2, Ball Mill Top, Grimley, WR2 6LS |
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| 9 |
|
389% APR
Representative
|
|
£500
|
£50000
|
1 month
|
7 months
|
389% APR
Rep.
|
|
|
|
Representative example: based on £500 over 1 month, monthly repayments of £570.71, total amount repayable £570.71. Representative APR 389%. TGS, 136-138 Burnt Oak Broadway, Burnt Oak, Middlesex, HA8 0BB |
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| 10 |
|
305.9% APR
Representative
|
|
£500
|
£100000
|
78 weeks
|
78 weeks
|
305.9% APR
Rep.
|
|
|
|
Representative example: based on £500 over 78 weeks, weekly repayments of £15.56, total amount repayable £1,213.36. Representative APR 305.9%. 33-35 Daws Lane, Mill Hill, London, NW7 4SD |
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| 11 |
|
258.2% APR
Representative
|
|
£500
|
£15000
|
6 months
|
36 months
|
258.2% APR
Rep.
|
|
|
|
Representative example: based on £500 over 6 months, monthly repayments of £118.93, total amount repayable £713.60. Representative APR 258.2%. P.O. Box 450, Macclesfield, Cheshire, SK11 9WS |
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| 12 |
|
365.1% APR
Representative
|
|
£30
|
£1000
|
3 months
|
10 months
|
365.1% APR
Rep.
|
|
|
|
Representative example: based on £100 over 3 months, monthly repayments of £42.83, total amount repayable £128.49. Representative APR 365.1%. 418 Fishponds Road, Fishponds, Bristol, BS16 3DU |
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| 13 |
|
53.8% APR
Representative
|
|
£50
|
£50000
|
6 months
|
6 months
|
53.8% APR
Rep.
|
|
|
|
Representative example: based on £100 over 6 months, monthly repayments of £18.86, total amount repayable £113.17. Representative APR 53.8%. Branston Court, Branston Street , Jewellery Quarter , Birmingham, B18 6BA |
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| 14 |
|
627% APR
Representative
|
|
£50
|
£500
|
1 month
|
24 months
|
627% APR
Rep.
|
|
|
|
Representative example: based on £100 over 1 month, monthly repayments of £117.98, total amount repayable £117.98. Representative APR 627%. Suite 9, Pine Court, 36 Gervis Road, Bournemouth, BH1 3DH |
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| 15 |
|
57% APR
Representative
|
|
£500
|
£3000
|
12 months
|
36 months
|
57% APR
Rep.
|
|
|
|
Representative example: based on £500 over 12 months, monthly repayments of £52.75, total amount repayable £633.04. Representative APR 57%. 1 Plus 1 Loans Ltd, The Old Tannery, Eastgate, Accrington, Lancashire, BB5 6PW |
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