No Credit Check Loans | Guaranteed Decision @CreditRaters.com
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  • Loan Amount
    £100 - £750
  • Loan term
    1 - 5 Months
  • Interest
    292%
  • APR
    1255%
The Representative APR is 1297% APR so if you borrow £100 over 35 days at 292% p.a. (fixed) you will repay £28 in interest and £128 in total. Piggy Bank
  • Gold Trusted Service on independent rating site Feefo
  • Completely online service
  • Flexible repayments periods of between 7 days and 5 months
  • Part payments accepted during the loan term
  • Loan Amount
    £200 - £2000
  • Loan term
    6 - 12 Months
  • Interest
    150%
  • APR
    279.1%
Representative Example: Amount of credit: £800 for 12 months at £132.16 per month. Total repayment of £1,585.87. Interest: £785.87. Interest rate: 150% pa (fixed). 279.1% APR Representative. Pounds to Pocket
  • Apply for up to £2,000 to cover expenses
  • If approved, get cash sent within 10 minutes after approval
  • 9 out of 10 customers would recommend
  • Loan Amount
    £50 - £1000
  • Loan term
    1 - 3 Months
  • Interest
    292%
  • APR
    1299.1%
Representative Example: Amount of credit: £300 for 81 days with one repayment of £97.20 and one repayment of £397.20. Interest: £194.40. Interest rate: 292% pa (fixed). 1299.1% APR Representative. QuickQuid
  • Multiple repayment options of 1, 2 or 3 months
  • £1,000 available to new customers or £1,500 for existing customers
  • Cash sent to your bank account within 10 minutes of approval
  • Have helped more than 1.4 million unique customers
  • Loan Amount
    £100 - £700
  • Loan term
    1 - 6 Months
  • Interest
    274%
  • APR
    1081.24%
Amount of credit: £300 for 4 months. Interest: £185.68. Interest rate: 274%pa (fixed). Four repayments of: £121.42. Total amount payable: £485.68. Representative 1081.24% APR. Creditstar
  • Existing customers borrow up too £700
  • Reputable UK direct lender, delivered over 1 million loans
  • If approved, funds will be sent within 30 minutes
  • All credit considered, must be employed
  • Loan Amount
    £100 - £800
  • Loan term
    0 - 1 Months
  • Interest
    292%
  • APR
    1281.8%
Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR. 247Moneybox
  • Cash paid into your bank account within 24 hours of acceptance
  • Existing customers can borrow up to £800
  • Simple, easy to understand interest rates and repayments
  • FCA regulated and committed to responsible lending
  • Loan Amount
    £3000 - £10000
  • Loan term
    24 - 60 Months
  • Interest
    20.33%
  • APR
    39.9%
36 Monthly Repayments, borrowing £4,000. Total Amount Payable: £6,439.68. 39.9% APR Representative. Rate of Interest 20.33%. Fixed Flat Rate. Monthly Repayment: £178.88. TFS Loans
  • Considers bad credit, CCJs, debt consolidation
  • Loan can be paid in hours if approved
  • Award winning trusted guarantor lender
  • Loan Amount
    £500 - £15000
  • Loan term
    12 - 60 Months
  • Interest
    Variable
  • APR
    49.7%
Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed). Talk Loans
  • Submit your application to multiple lenders
  • High chance of approval
  • Rates from 29% APR to 69.9% APR
  • Loan Amount
    £1000 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    33.3%
  • APR
    39.9%
Representative example: £4500 over 3 years, representative 38.9% APR fixed. Monthly payment £199.26. Annual interest rate 33.3% fixed. Interest payable £2673.36. Total repayable £7173.36. UKCredit
  • Credit available up to £10,000
  • Quick, convenient and confidential application
  • Outstanding customer service record
  • Flexible, multi purpose loans which aren't secured against your property
  • Loan Amount
    £1000 - £20000
  • Loan term
    24 - 60 Months
  • Interest
    20.33%
  • APR
    20.33%
Loan amount £7,500, 60 monthly repayments £200.08 Representative APR 20.33% fixed, loan term 60 months an annual interest rate of 20.33% Total cost of credit £4505.00, total amount repayable £12005.00 Car Loan Finder
  • Loan Amount
    £1000 - £50000
  • Loan term
    12 - 60 Months
  • Interest
    10.87%
  • APR
    21.8%
Average credit score: Loan amount £5000 – 48 monthly payments £149.46 – Total cost of credit £2174.08 – total amount payable £7174.08 – representative example 21.8% APR. This is a yearly flat rate of interest of 10.87%. This is a fixed rate. WhatCredit
  • Low Rate Car Finance Packages
  • Choose The Car From Any UK Dealer
  • Finance For Good & Bad Credit Profiles
  • Same Day Drive Away Car Loan Schemes
  • Flexible Repayment Terms For Your Car Loan
  • Loan Amount
    £1000 - £20000
  • Loan term
    24 - 60 Months
  • Interest
    33.6%
  • APR
    33.6%
Borrowing £1000 over 24 months with a best available rate of 33.6% (fixed) and £0.00 deposit, amount payable is £56.21 per month. The total amount payable is £1349.04*. Car Loans Compare
  • Loan Amount
    £500 - £25000
  • Loan term
    12 - 48 Months
  • Interest
    13%
  • APR
    27.4%
Amount of credit £7500 repayable by 47 monthly repayments of £244.79 at a fixed annual interest rate of 13%, Representative APR 27.4%. Total cost of credit £3899.92. Total amount repayable £11899.92. Get Me Car Finance
  • Loan Amount
    £500 - £5000
  • Loan term
    3 - 36 Months
  • Interest
    65%
  • APR
    171.9%
Amount of credit £1000 repayable by 12 monthly repayments of £137.50 at a fixed annual interest rate of 65%, Representative APR 171.9%. Total cost of credit £650. Total amount repayable £1650. MotorKitty
  • Same day payout available to borrowers
  • Bad credit and CCJs considered
  • The lowest average rates in the UK (Mar 2018)
  • Loans available up to £5,000
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    36.9%
  • APR
    43.8%
Borrowing £4,000 over 3 years at an interest rate of 36.9%p.a. (fixed), you will repay 36 monthly payments of £185.27. Interest payable £2,669.72. Total repayable £6,669.72. Representative 43.8% APR. TrustTwo
  • Guarantors who are homeowners, tenants or living with parents are considered
  • Funds can be issued within 24 hours of acceptance
  • Improve your credit score by making timely repayments
  • No fees are charged at any point. Ever.
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    47.8%
  • APR
    47.8%
Representative Example: £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 39.7%. Interest payable £2178.24. Total payable £5178.24. 1Plus1 Loans
  • Fantastic loan guarantor product to help those with poor credit
  • Loans are flexible and can be used for any purpose
  • Great for parents who want to help children build their credit score
  • Online customer service team that operates 24 hours per day
  • Loan Amount
    £400 - £50000
  • Loan term
    12 - 36 Months
  • Interest
    132%
  • APR
    450.5%
If you borrow £850 over 18 months at a flat rate of 132% per annum (fixed) with a representative 450.5% APR you will repay 17 monthly payments of £140.72 and 1 payment of £140.76, repaying £2,533.00 in total. Loans2Go Logbook Loans
  • Use your vehicle as collateral to increase the chance of acceptance
  • Generous and flexible loan terms of 12 – 36 months
  • Retain complete use of your vehicle during the loan
  • A lender with more than 15 years of industry experience
  • Loan Amount
    £250 - £1000
  • Loan term
    18 - 18 Months
  • Interest
    205.2%
  • APR
    989.9%
Representative example if you borrow £600 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR you will make 17 monthly payments of £135.93 and 1 payment of £135.99, repaying £2,446.80 in total. Simple Fast Loans
  • Repay your loan early and you'll pay less interest
  • Face to face consultations available throughout the UK
  • Receive funds in as little as one hour
  • Convenient repayments that can be made weekly, fortnightly or monthly
  • Loan Amount
    £250 - £1000
  • Loan term
    2 - 3 Months
  • Interest
    193.45%
  • APR
    397%
Representative Example: Borrow: £1000 for 12 weeks. Repayment method: Three installments. Interest rate: 193.45%. Total repayment of: £1448. Representative: 397% APR. The Money Platform
  • A revolutionary peer to peer lending platform
  • Borrow up to £1,000 over a term of up to 3 months
  • Receive funds on the same day that you're approved
  • Loan Amount
    £1000 - £25000
  • Loan term
    12 - 60 Months
  • Interest
    2.9%
  • APR
    3%
A loan of £10,000 over 5 years will cost you £179.25 per month at a representative 2.9% APR. The total cost after 5 years is £10,754, which includes £754.87 interest at 2.9% fixed and a £0 fee. The total amount of credit is £10,000. Zopa
  • Cut out the banks and building societies to get better loan rates
  • Borrow up to £25,000 (subject to status)
  • More than £2 million of loans approved every day
  • No early repayment charges or hidden fees
Other types of loans

Let’s face it – there are plenty of us with a less than perfect credit score. Unfortunately, this can make sourcing new credit both difficult and expensive as you may be seen as a higher risk to lenders than others with no blemishes.

Fortunately, there are plenty of companies who don’t fall into the ‘computer says no’ category when it comes to assessing new credit applications. No credit check loans help would be borrowers to avoid being penalised for having bad credit, instead taking into account other factor such as:

Read on to learn more about how no credit check loans can help you to source the funds needed to overcome any financial obstacles that life throws your way.

Why Consider No Credit Check Loans?

Each credit check that’s carried out by a lender leaves a mark on your credit history. If you make multiple applications for credit over a short space of time then this can negatively affect your score, particularly if you’re unsuccessful in these applications.

Instead, no credit check loans will make an assessment without blemishing your credit history, helping you to avoid unnecessary damage to your score.

There are even some lenders who will carry out a ‘soft search’ of your credit file meaning that they’ll take a look at the surface information without leaving a note to say that a check has been carried out. This will help to give you an accurate idea as to whether you’ll be accepted for a particular loan should you decide to press ahead with a full application.

What No Credit Check Loans Are Available?

The great news for borrowers who are concerned about credit checks is that there are plenty of other ways lenders can assess the risk surrounding each application they receive. Rather than solely relying on your credit history, lenders can use assets as collateral, accept a guarantor, or simply take into account other factors such as your income, residential status and employment status instead.

Here are some of the most popular no credit check loans searched for at CreditRaters.com.

Payday Loans – No Credit Check

Short term loans have been a big hit in the UK for a number of years now, but payday loans no credit check are quickly becoming one of the most searched for loans in this sector. Since payday loans have such a short repayment period, they’re incredibly easy to manage and approval rates are high, however this doesn’t mean that everyone will be accepted based on their credit score.

Following a long spell under the media spotlight, most payday loan companies will use at least some form of credit check when assessing applications, but it’s not the only factor they’ll consider.

If you’re worried about applying due to credit checks, then consider looking for bad credit payday loans or soft credit check payday loan lenders to improve your chances of acceptance.

Car Finance – No Credit Check

Taking out car finance no credit checks is a great way to pick up your next car without the inconvenience or large, upfront costs. Rather than having to make the entire payment upfront, you’ll be able to spread the cost of your new car over a convenient number of months or years.

Motorcycle Finance – No Credit Check

It’s not just car finance lenders that can offer no credit check loans.Motorcycle finance no credit check are also available if you prefer two wheels to four and operate in exactly the same way as traditional car finance loans.

The borrowed funds must be used for the purchase of the vehicle that you’ve indicated and so you won’t be able to invest this money into other financial areas of your life.

Van Finance – No Credit Check

Prefer to borrow money for a van instead of a car or motorcycle? Whether a larger vehicle is more convenient for your personal life or you simply need a van to realise your commercial ambitions, van finance no credit check can help.

Logbook Loans – No Credit Check

Logbook loans have been a fantastic resource for borrowers with a less than perfect credit score for sometime thanks to the vehicle acting as security on the loan. Logbook loans no credit check are ideal for those who are looking to raise short to mid term finance by using their car, van or motorcycle as collateral.

Logbook loans no credit check are incredibly simple to apply for and offer high rates of acceptance since they’ll take on full legal ownership of the vehicle until the outstanding balance has been cleared. Don’t worry – you’ll retain complete, unrestricted control over your vehicle during this time although it’s important to remember that it could be at risk should you be unable to repay the amount borrowed.

Guarantor Loans – No Credit Check

If you’re looking for no credit check loans because of your own poor credit history then it’s well worth considering a guarantor loan. With guarantor loans, no credit check will be carried on you but instead this will fall onto a guarantor of your choosing. Guarantor loans involve using a friend, family member, work colleague or anyone else that you know to guarantor the loan repayments on your behalf.

Effectively, they’ll act as security should you be unable to repay your outstanding balance. However, the good news is that you’ll improve your own credit score, not theirs, should you keep on top of your repayments so it’s actually a very effective way of boosting your score for future borrowing.

How Can I Apply For No Credit Check Loans?

With so many personal loans now available on the UK market, it’s never been easier to find the perfect loan for your circumstances. If your priority is to apply without a credit check taking place then CreditRaters.com can help.

It all starts by getting an accurate, personalised comparison through our state of the art loan matching platform. By entering some basic personal and financial information, we’ll match your circumstances with lenders who can help, including those offering no credit check loans.

Once you’ve selected a lender from your tailored list, you’ll simply need to provide them with a little more information about you and your loan before receiving an instant online decision. If accepted, you’ll be able to sign and return your credit agreement online with funds potentially transferred to your account in as little as 24 hours. There are even some lenders who can arrange for same day transfer at no extra cost.

Find out how CreditRaters.com can help you to get a fantastic rate on your next line of credit by registering for free and with no obligation today.