Are there payday loans with no credit check?

Apply For Up to £5,000 *

Representative Example:

  • Loan amount £200 for 35 days.
  • Payable in One total repayment of £256.00
  • Interest charged is £56.00,
  • interest rate 292% pa (variable).
  • Representative 1212% APR.

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  • No Hidden Extras
  • Simple Application Process
  • Safe & Secure

Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to

Are there payday loans with no credit check?

No, there are no such things as “payday loans” with “no credit check”, in the UK at least. The UK government will not allow lenders to make a loan that they cannot afford to repay. Checking your credit is required by all potential lending companies who may be interested in lending money to you.

What is a no credit check payday loan?

If you apply for a “no credit check payday loan” you may think this means that your credit file won’t be checked by that lender or broker. However, the reality is that all regulated lenders will need to make sure that the amount they lend you is affordable and can be repaid. They will need to carry out some form of credit check, which at the very least will include an identity check to make sure that you’re not bankrupt or in an Individual Voluntary Arrangement (IVA). It’s important to read the Terms and Conditions before you apply to ensure you understand exactly what checks will be undertaken on your file and how the information on your credit file will be used.

Are “no credit check loans” possible?

All lenders operating in the UK are required to perform credit checks. Do you need a loan? Get one today by clicking “apply” above. These are unsecured personal loans that do not require you to put up collateral. If you are employed, you may qualify for a loan and can apply over the internet today.

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We do not offer loans that do not require credit check. We always perform a full search of an applicant’s credit file at the credit reference agencies as part of our automated decision-making process. However, if you need to borrow money and are thinking of applying for a payday loan, but don’t want your credit file checked, some providers claim to offer this type of lending. However you should be wary of lenders offering “no credit check payday loans” as it may mean they do not perform sufficient checks designed to protect customers – it’s essential to choose a lender that does proper checks to see if you can afford a loan.

What are direct lenders?

A direct lender payday loan is a type of lending offered to people who typically have bad credit. We are not direct lenders, but we can connect you to one. We are brokers, when you submit your application through us, we share it with a number of direct lenders who would then work directly with you. By submitting your application through us quickly, you can be in touch and working with a direct lender very quickly.

The lender who approves your loan will perform a full credit check and ask for your address, bank and employment details when you make an application. They will assess each application individually and only lend to people we think can afford to repay on time.

What are poor credit payday Loans?

A “no credit check loan” is not a real thing, in other words, a lender will check your credit file. All regulated lenders need to make sure the amount they lend is affordable and can be repaid. First, need to carry out some form of credit check. Last, it’s important to read the terms and conditions before you apply to ensure you understand precisely what will happen and how information on your credit file will be used.

You have three concerns.

  1. You want payday lending.
  2. Without a credit check.
  3. You want this from a direct lender (we are not one, but a broker).

Continue reading to learn about these types of loans. You can apply above for payday loans. For this, your credit will be checked.

Get a £100 Loan Or More

Many people are looking fora £100 loan no credit check loan. These people have bad credit, and so prefer a lender who had a high percentage rate of acceptance. No lender accepts 100% of applicants, but if you are employed with a steady job history, your chances of getting a loan are higher.

What is a no credit check loan?

Payday Loan Amount Accepted
no credit check payday loans £100
payday loans no credit check direct lenders £200
payday loan bad credit direct lender £300
payday loans bad credit direct lenders £400
payday loan direct lender no credit check £500
payday loan lenders no credit check £600

Legitimate lenders do not offer “no credit check payday loans”. Any lender who accepts your loan request will perform a full search of an applicant’s credit file, whether it is done through submitting an application to us, or any other UK company who is allowed to lend money to UK residents. If you need to borrow money and are thinking of applying for a payday loan, but don’t want your credit file checked, there are loan providers who claim to offer this type of lending, be cautious of these companies as it is not allowed under UK law.

Payday Loans With No Credit Checks Amount Loaned Interest Repayable Direct Lender Bad Credit
Credit On Demand

Representative Example:
Loan amount £400 repayable over 28 days, Total amount repayable £487.36, Interest: £87.36 Interest rate 284% p.a. fixed.


Representative Example:
Representative example: Amount of credit £300 for 30 days. Total amount repayable £372. Interest £72. Interest rate 292% p.a fixed. Representative 1272% APR (variable).


Representative Example:
Representative Example: Amount of credit £300 for 37 days. Interest £88.80. Interest rate 292% p.a. (fixed). Representative 1190% APR. Total amount repayable by one repayment of £388.80.

Direct Money

Representative Example:
Amount of credit £100 for 30 days. A £5 Faster Payment Fee will be deducted form your loan. Interest £25.Total amount payable £125. Interest rate 300% pa (Fixed). Single repayment of £125 Representative APR 2333.9%

  • Instalment Loans for Bad Credit

    Repayments on your payday loan can be done either in one lump sum, or in instalments. You can select to apply for either when you submit your application. If you are selecting instalment payments, the interest rate will be higher than if you selected to pay in one lump sum.

  • Direct Lender Payday Loans

    People claim to want to use direct lenders because they believe they are cutting out the middleman and any fees they would absorb. We are not a direct lender, but a broker. However, we can introduce you to direct lenders who are interested in lending to you.

  • Borrow Money Online

    Getting a loan online is the essence of convenience. This saves you travel time and expense. A good lender will issue funds directly to your bank account, allowing you to spend the cash without leaving your home.

  • Bad Credit Direct Lender UK

    If you have a poor credit history, this requires you to borrow from institutions which charge a higher interest rate and fees. They do this to build in the risk associated with lending to someone who has bad credit in the UK.


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It is impossible to find a lender that doesn’t verify your lending history. The best you’ll be able to find is one that will perform a check, but give very little weight to it, instead favouring that a person is employed or has a steady income. The reason for this is that every company, by law, is required to check credit. Some companies will chose to focus on whether you can repay, and whether your job is steady, rather than focus solely on your credit report.

If your primary concerns were addressed, please click the “apply” button above and you can have cash in your bank account within minutes of sending your application. If you would like more details before you make a decision — keep reading, and we will explain each point in detail.

Some borrowers wonder if they can get a guaranteed loan. Of course, no lender can guarantee every loan. It is a good idea to use a lender which has a high approval rate. Submit your application and have the possibility that many lenders will be interested in offering you a loan.

This would be described as unsecured — no collateral is involved — and the interest rate is greatly elevated to reflect the increased risk profile. That makes sense, right? If you’re getting a loan that isn’t backed by a lien on something, it makes sense that it would cost more.

Some people think they want to say no to brokers because it adds a middleman to their loan processing, such that it could slow down the process or make it more expensive. If you submit your application to us, we share it with direct lenders who compete to give you the best price. It is a good idea to get many quotes for your loan as possible to get the best deal.

Payday Loans APR Direct Lender
Payday Loans Now 728% No Fees
Wonga 1261% No Check
Wizzcash 1265% Short Term Loans
QuickQuid 1295% UK Loans
Peachy 1255% Online
Cashfloat 1116% Bad Credit
PiggyBank 1270% No Fee
Sunny 1291% No Brokers

Another option, if payday loans seem like they are too expensive for you, is to get a logbook loan. They are cheaper to get because you put something such as a vehicle up for collateral. In return, you get a loan which is much more affordable.

We would love to process your application. Our direct lenders that we can connect you with, and finance experts, will assist you in selecting the one that is right for your situation. Our entire process is conducted online. Click apply and get started on your application today!