Home page header background

Apply For Up to £5,000!*

Select an amount: or

Truth About Lenders Claiming to Not Check Credit

Payday Loans - No-credit-check - Direct-lender

All lenders operating in the UK are required to perform credit checks. Don’t let this worry you, however, because this is but one of many factors in consideration when you attempt to get a loan. If you are employed and qualify for these other factors, you can likely borrow even if you have bad credit.

You have three concerns.

  1. You want payday lending.
  2. Without a credit check.
  3. You want this from a direct lender.

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

Get a £100 Loan Or More

Many people simply looking for £100 loan no credit check direct lenders. These people have bad credit and so prefer a lender who had a high percentage rate of acceptance. While no lender accepts 100% of applicants, it is possible to find one that accepts the highest amount of applicants.

No Credit Check Payday Loans

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 providers who claim to offer “no credit check payday loans”. They are unavailable, however, because every lending company is required to check credit before issuing a loan. You should be wary of lenders offering loans without checking credit as it may mean they do not perform sufficient checks designed to protect customers. You should chose a lender that does proper checks to see if you can afford a loan.

What is a payday loan with no credit check?

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 credit file and how the information on your credit file will be used.

Payday LoanAmountAccepted
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

Payday Loans With No Credit Check

Legitimate lenders do not offer “no credit check payday loans”. 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, there are loan providers who claim to offer “no credit check payday loans”. However you should be wary of lenders offering them as it may mean they do not perform sufficient checks designed to protect customers – it’s important to choose a lender that does proper checks to see if you can afford a loan.

Payday Loans With No Credit ChecksAmount LoanedInterestRepayableDirect 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

    The best you can get is a lender who will not put emphasis on your credit report, because all lenders are required by UK law to pull your credit before making a lending decision.

  • Direct Lender Payday Loans

    Direct lenders are the best way to get a loan, because you cut out the middle man and the fees they would absorb. Avoid brokers to borrow with the least hassle and fast cash to your account.

  • Payday Loan UK Direct Lender

    There are many laws and regulations that protect UK citizens when getting payday loans. Be certain to use a UK direct lender when you next need a pay day loan online.

  • Payday Loan Direct Lender Bad Credit

    The two key qualities for securing a quality lender is to get one that is direct (not a broker), and to use one which specialises working with people who have bad credit.

    UK law requires a credit check. There is no way to get a legitimate pay day loan in the UK if the lender does not perform a credit check. Find a lender who places more emphasis on your employment and other stability factors.

  • 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 to lending to someone who has bad credit in the UK.

payday loans no credit check

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 favoring that a person is employed or has steady income. The reason for this is that every company, by law, is required to check credit. We place very little emphasis on mandated checks, instead focusing on whether you can repay.

If your main 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.

One of our products lets you borrow guaranteed cash instantly. This would be described as unsecured — no collateral being involved — and the interest rate is greatly elevated to reflect the increased risk profile. That makes sense, right? If you’re getting one that isn’t backed by a lien on something, it makes sense that it would cost more.

The second issue is in regard to the lending history. You could have skeletons in the closet from past financial mistakes, and they will not stop you from being able to borrow from our company. The additional risk of not performing a check is factored into elevated interest rates.

Your final concern about finding an actual lender is a legitimate one. There are two paths when finding a short term lender. One is going direct to the source of funding, and the other is to include a broker. Brokers do not add much to the process of getting one. In fact, there are many reasons why you would want to exclude them from the process. Just say no to brokers.

Brokers are looking for a commission fee, or a headhunter’s fee. They will make money by being the middleman in a lending deal, where the collect a commission for themselves — or they will simply sell your lead to a multitude of companies. Both of those are bad.

Direct Lenders Payday Loans

What are direct lenders? They are lenders that you can use which directly provide funding to you, as opposed to utilising a middle-man such as a broker. A broker will attempt to secure a loan for you by seeking deals with direct providers, hence the term “broker”. They earn a commission if the lender they find will provide a loan to their client.

Payday LoansAPRDirect Lender
Payday Loans Now728%No Fees
Wonga1261%No Check
Wizzcash1265%Short Term Loans
QuickQuid1295%UK Loans
Cashfloat1116%Bad Credit
PiggyBank1270%No Fee
Sunny1291%No Brokers

What are payday loans no credit check?

They are a loan received when you are short on cash, but worried your credit is poor, hence “payday loans no credit check”. All lending institutions are required by law to check credit before they can lend to you. When lenders decide to not put emphasis on a bad credit history, it is called a bad credit loan.

When arranging for their commission, the best deal for you is not what they have in mind. Instead, they’re thinking about where they can get the largest commission. That typically will be to whichever company will pay them the most. Whoever is paying the most is likely able to do so because they’re charging the most, from you. When you look at the interest rates, you find out that prices can be wildly different from different lenders. You get the best deal by going straight to the source.

And if they are the type of broker who sells your contact, who wants to be continually approached by lending companies all day long (even long after you’ve actually received your loan)? It is not a good thing to have happen.

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.

Most people agree they want to avoid a broker. The problem is that not all of them call themselves such. There are many websites where you can submit your information, thinking it is direct, but instead it goes to a broker. You should ask wherever you go whether you’re dealing with a lender or broker.

We are the ones that process your application. Our 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!

Apply for a loan today!

You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk