No Credit Check Loans | Guaranteed Decision @CreditRaters.com
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  • Loan Amount
    £250 - £1000
  • Loan term
    18 - 18 Months
  • Interest
    205.2%
  • APR
    989.9%
Representative example: If you borrow £400 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR you will make 18 monthly payments of £90.62, repaying £1,631.16 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
    £100 - £400
  • Loan term
    5 - 8 Months
  • Interest
    102.4%
  • APR
    433.5%
Representative Example: £200 loan repayable over 33 weeks at £10 per week, Rate of interest 102.4% p.a fixed; Representative 433.5% APR, Total amount payable is £330. Morses Club
  • Loan Amount
    £125 - £500
  • Loan term
    2 - 3 Months
  • Interest
    292%
  • APR
    1306.21%
£200 loan taken out over 3 Months (83 days). Annual rate of interest 292% fixed. Cost of credit £113.08. Monthly Payments: £104.36, £104.36 and £104.36. Total amount payable: £313.08 THL Direct
  • Loan Amount
    £250 - £250
  • Loan term
    1 - 4 Months
  • Interest
    0%
  • APR
    87.4%
Representative example: Total amount of credit of £500 over 12 months. 8 monthly repayments of £62.50 and 12 monthly membership payments of £6. Rate of interest 0% p.a. (fixed). Representative 87.4% APR. Total amount payable £572. CreditSpring – £250
  • Borrow £250 twice a year, available on demand
  • Membership fee is £6 per month (£72 a year)
  • Repay each advance in 4 monthly payments
  • 0% interest rate, you pay back only what you’ve borrowed, plus your monthly membership fee
  • Loan Amount
    £500 - £500
  • Loan term
    1 - 4 Months
  • Interest
    0%
  • APR
    38.6%
Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 38.6% APR. Total amount payable £1,096. Creditspring – £500
  • Borrow £500 twice a year, available on demand
  • 0% interest rate, only pay back what you borrow plus your monthly membership fee
  • 14 days to change your mind before you can borrow. Then you'll be able to borrow whenever you need it
  • Loan Amount
    £100 - £1000
  • Loan term
    1 - 12 Months
  • Interest
    229.95%
  • APR
    720%
Borrow £400 for 6 months. Total repayment £707.01 in 6 monthly payments of £117.83. Interest p.a 229,95% (fixed). Representative 720% APR. Peachy Loans
  • Flexible repayment options from 1 - 12 months
  • Loans usually deposited within 1 hour
  • Loan Amount
    £80 - £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
    £1000 - £15000
  • Loan term
    48 - 60 Months
  • Interest
    20.33%
  • APR
    39.9%
Representative Example: 36 Monthly Repayments, borrowing £5,000. Total Amount Payable: £8,049.60. 39.9% APR Representative. Rate of Interest 20.33%, Fixed Flat Rate. Monthly Repayment: £223.60. 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
    £3000 - £50000
  • Loan term
    12 - 60 Months
  • Interest
    10.87%
  • APR
    21.8%
GOOD CREDIT SCORE: Loan amount £5000 – 48 monthly payments £129.17 Total cost of credit £1200.16 – Total amount payable £6200.16 – Representative example 12.9% APR. This is a yearly flat rate of interest of 6%. 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
    £3000 - £25000
  • Loan term
    12 - 48 Months
  • Interest
    25%
  • APR
    27.4%
Representative example – Vehicle price £5600.00, annual interest rate 25% (fixed), charge for credit £4200.00 (inc. option to purchase fee of £10.00), total amount payable £9810.00, 36 monthly installments £272.50. Representative APR 27.4% – subject to status. Get Me Car Finance
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    40.90%
  • APR
    49.50%
Representative Example: Borrowing £4,000 over 3 years at an interest rate of 40.9%p.a. (fixed), you will repay 36 monthly payments of £194.55. Interest payable £3,003.80. Total repayable £7,003.80. Representative 49.5% 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
    24.20%
  • APR
    47.8%
Representative Example £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 24.2% Fixed. 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
    £550 - £50000
  • Loan term
    12 - 36 Months
  • Interest
    159.70%
  • 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
    4 - 12 Months
  • Interest
    255.50%
  • APR
    839.20%
Representative Example: Borrow: £500 for 6 weeks. Repayment method: One Payment. Interest rate: 255.5%. Total repayment of: £647. Representative: 839.2% APR.
The Money Platform
  • A revolutionary peer to peer lending platform
  • Borrow up to £1,000 over a term of up to 12 weeks
  • 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.