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 APR Average Review Min. Loan Amount Max. Loan Amount Min. Loan Term Max. Loan Term APR Average Review Visit Lender
8
41.9% APR
Representative
1
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£3000
12 months
60 months
41.9% APR
Rep.
1
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £2,000 over 24 months, repaying £121.67 per month, total repayable £2,920.08. Interest rate 23.0%. Representative 41.9% APR.

5
52.3% APR
Representative
2.3
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£5000
24 months
30 months
52.3% APR
Rep.
2.3
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £4,000 over 48 months, repaying £163.07 per month, total repayable £7,827.36. Interest rate 31.8% (fixed). Representative 45.3% APR.

16
69.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£3000
36 months
36 months
69.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £2,000 over 36 months, repaying £113.47 per month, total repayable £4,084.92. Interest rate 45.84% (fixed). Representative 69.9% APR.

1
82.2% APR
Representative
3.9
Star RatingStar RatingStar RatingStar RatingStar Rating
£1000
£1000000
1 month
6 months
82.2% APR
Rep.
3.9
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £3,800 over 4 months, repaying £1168.00 per month, total repayable £4,672.00. Setup fee £114. Interest rate 4.99%. Representative 82.2% APR.Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

13
84.8% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£50
£50000
6 months
6 months
84.8% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £100 over 6 months, monthly repayments of £19.86, total amount repayable £119.16. Variable interest rate of 71.88% p/annum. Representative APR 84.8%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

2
104% APR
Representative
3.3
Star RatingStar RatingStar RatingStar RatingStar Rating
£50
£2000
26 weeks
156 weeks
104% APR
Rep.
3.3
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £100 over 26 weeks, weekly repayments of £4.60, total amount repayable £119.70. Fixed interest rate of 104% p/annum. Representative APR 104%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

15
230.7% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£50000
0 months
60 months
230.7% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £1,000 over 36 months, repaying £80 per month, total repayable £2,880.00. Interest rate 96.0%. Representative 230.7% APR.Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

11
258.2% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£15000
6 months
36 months
258.2% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £500 over 6 months, monthly repayments of £118.93, total amount repayable £713.60. Representative APR 258.2%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

9
277.6% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£50000
1 month
7 months
277.6% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £500 over 1 month, monthly repayments of £558.54, total amount repayable £558.54. Fixed interest rate of 120% p/annum. Representative APR 277.6%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

10
305.9% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£100000
78 weeks
78 weeks
305.9% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £500 over 78 weeks, weekly repayments of £15.56, total amount repayable £1,213.36. Fixed interest rate of 95% p/annum. Representative APR 305.9%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

12
365.1% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£30
£1000
3 months
10 months
365.1% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £100 over 3 months, monthly repayments of £42.83, total amount repayable £128.49. Representative APR 365.1%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

14
400% APR
Representative
Star RatingStar RatingStar RatingStar RatingStar Rating
£50
£750
6 months
24 months
400% APR
Rep.
Star RatingStar RatingStar RatingStar RatingStar Rating

Borrow £750 over 24 months. Repaying £94.16 a month. Total repayable £2259.84 Interest Rate 140% (variable). Representative APR 304% (variable). Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

3
464.4% APR
Representative
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating
£200
£50000
1 month
36 months
464.4% APR
Rep.
2.6
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £200 over 1 month, monthly repayments of £231.03, total amount repayable £231.03. Fixed interest rate of 132% p/annum. Representative APR 464.4%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

6
466.4% APR
Representative
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating
£200
£1000
1 week
34 weeks
466.4% APR
Rep.
2.2
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative Example: Borrowing £1000 over 34 weeks, repaying £50 per week, total repayable £1700. Interest rate 70% (fixed). Representative 466.4% APR (variable)Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

4
469.8% APR
Representative
2.4
Star RatingStar RatingStar RatingStar RatingStar Rating
£100
£1000
34 weeks
50 weeks
469.8% APR
Rep.
2.4
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £100 over 34 weeks, weekly repayments of £5.01, total amount repayable £170.28. Representative APR 469.8%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

7
498% APR
Representative
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating
£500
£20000
4 weeks
78 weeks
498% APR
Rep.
1.8
Star RatingStar RatingStar RatingStar RatingStar Rating

Representative example: based on £500 over 4 weeks, weekly repayments of £136.12, total amount repayable £544.49. Fixed interest rate of 125.64% p/annum. Representative APR 498%. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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.

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