No Credit Check Loans

Can you get a loan without a credit check?


There are many lenders who will offer you a loan for bad credit, although they will conduct a credit check before lending to you so it’s sensible to get your finances in as good an order as possible before applying, in order to secure the best rates. While poor credit could preclude you from  If you are concerned about your credit rating and unsure if you will be able to get a loan, a number of loan providers offer bad credit loan deals taking into account your past credit history. 


 

 


Compare Loan Quotes
LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£7,500 - £15,000Excellent Credit4.30%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Must be aged 21
  • Permanently resident in England, Wales, Scotland or Northern Ireland
  • Good Credit History and not been bankrupt or had a County Court Judgement

Representative Example: 4.3% APR Representative (fixed). Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 4.3% p.a. (fixed). Monthly repayment £185.32 & total repayable £11,1119.20  

£40,000 - £200,000 (Homeowners Only)Good Credit5.59%3 years to 25 yearsGet Quotes >
  • Nemo's cheapest secured loan
  • Borrow between £40k to £200k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20. This loan will be secured on your home. 

£7,500 - £14,999Good Credit6.20%1 to 5 YearsGet Quotes >
  • 0.3% discount for existing customers
  • Fixed Interest Loan Rate
  • No set up charges or hidden fees
  • Instant Online Decision
  • Must earn at least £700 pm (can be combined income)
  • Must be aged 18
  • If self employed must be homeowner and supply 1 years audited accounts
  • Good Credit History and lived in UK for at least 1 year

Representative Example: 6.2% APR Representative (fixed). Based on an assumed loan amount of £11,000 over 51 months at an interest rate of 6.20% p.a. (fixed). Monthly repayment £245.04. Total amount payable £12,497.04.

£7,500 - £14,950Good Credit4.90%1 to 5 YearsGet Quotes >
  • Borrow between £1k to £25k
  • 85% of customers receive an instant decision
  • No set up charges or hidden fees
  • Available to existing NatWest current account holders
  • Must be aged 18
  • Good Credit History
Representative Example: Borrow £7,500 over 5 years at a Representative APR of 4.90% paying £140.81 per month will result in a total sum of £8,448.60 over the loan term.
£20,000 - £100,000 (Homeowners Only)Good Credit6.90%3 years to 25 yearsGet Quotes >
  • Shawbrook's cheapest standard rate secured loan
  • Borrow between £20k to £100k
  • No harm to your credit rating when you request quote
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40. This Loan will be secured on your home.

£1,000 - £25,000Excellent Credit7.00%6 Months to 5 YearsGet Quotes >
  • Peer to Peer Fixed Interest Loan Rate
  • Instant Online Decision
  • Money in your bank in 1 working day
  • Excellent Credit History Only
  • Must be aged 21
  • Minimum Income £14,500

Representative Example: Based on an assumed loan amount of £5,000 over 24 months at a Representative APR of 7.00% p.a. (fixed), you will repay £223.86 per month. Total amount you repay £5,372.64. 

£3,000 - £15,000Good Credit7.90%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 25
  • Minimum Income - £30,000 
  • Early redemption charges
  • Must be UK resident

Representative Example: The Representative APR is 7.9% - Based on an assumed loan amount of £7,000 over 36 months at an interest rate of 7.9% p.a. (fixed) you would pay £218.15 a month and £7,853.40 in total.

£1,000 - £15,000Bad Credit Considered18.90%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 21
  • Early redemption charges
  • Must be UK resident

Representative Example: The Representative APR is 24.9% - Based on an assumed loan amount of £5,000 over 48 months at an interest rate of 22.46% p.a. (fixed) you would pay £158.73 a month and £7,619.04 in total.

£5,000 - £7,500Fair Credit19.90%6 months to 3 YearsGet Quotes >
  • Loans for people involved in the culture, cuisine, finance or welfare of the South Asian community or live/work in the London Borough of Brent
  • Loans designed for those who may struggle to get a loan from the high street banks, but who still have a fair credit profile.
  • Ethical alternative to payday loans
  • Must have fair credit history
  • Must be aged 25
  • Must have no county court judgements or any defaults on any loans in the last 12 months
  • Must be in regular employment or retired with a pension
  • Must be a permenant UK resident

Representative Example: If you borrow £5,000 over 2 years at a Representative APR of 19.90%, you would pay £254.23 per month. Total amount repayable is £6,101.52.

£1,000 - £10,000Bad Credit Considered49.50%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 18 to 65
  • Early redemption charges
  • Must have monthly income of over £700
  • Must be UK resident

Representative Example: Based on an assumed loan amount of £7,500 over 60 months at an interest rate of 49.50% p.a. (variable) you would pay £295.10 a month. The interest payable would be £10,206 with a £180 document fee making the cost of the loan £17,886.

£1,000 - £5,000 (Guarantor Loan)All Bad Credit Considered53.80%1 to 5 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a guarantor that owns a property
  • Must be aged between 18 and 65

Representative Example: £3,000 over 3 years, representative 53.8% APR fixed. Monthly payment of £151.15. Interest payable £2,441.40. Total repayable £5,441.40. Annual interest rate 36% fixed.


UK Credit is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a HOMEOWNER GUARANTOR to support your application.

£1,000 - £3,000 (Tenant Guarantor Loan)All Bad Credit Considered69.9%1 to 3 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a Tenant to act as guarantor
  • Must be aged between 18 and 65

Representative Example: £2,000 over 3 years, representative 69.9% APR fixed. Monthly payment £113.47. Annual interest rate 45.84% fixed. Interest payable £1,884.92. Broker fee payable £200.00. Total repayable £4,084.92.

 


UK Credit is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a TENANT AS YOUR GUARANTOR. This type of loan is good for consolidating more expensive credit.

Fair Investment Company is independent and provides a selection of some of the leading loan deals available. Our service does not compare or contrast all of the loan deals currently available in the market. If you would like to arrange any of the products shown in the table please click on the “Apply” link which will take you to the provider’s website where you will be able to view further details of the product and apply online.

Other loan options for people with bad credit


  • Payday loans - While you may be able to get a payday loan without a credit check, these can be extremely expensive and should not be your first port of call when shopping around for a loan quote.
  • Secured loans - this type of loan is secured against something you own, such as your home or car. While secured loans can offer a borrowing option if you have poor credit or need to borrow a large sum of money, they can put you at risk of losing your home if you fail to make repayments. They should therefore be carefully considered before applying.
  • Guarantor loans – with this type of loan, people with poor credit could borrow money with the help of a guarantor. This is usually a friend or family member who has good credit history themselves and is prepared to guarantee the repayments if the borrower defaults. As long as the borrower makes the repayments on time, the guarantor will not have to pay anything. However, becoming a guarantor is a serious financial responsibility so it makes sense to seek independent advice before entering into this kind of loan agreement. 

Compare loans for people with poor credit history


To get loan quotes, use our no-obligation loan calculator. If you have good credit, the service will:

  • Compare the market 
  • Offer an instant online loan comparison 
  • Allow you to apply online

If you have less than perfect credit our loan service will put you in touch with a broker, who will be able to use the information you do provide to help you find a competitive deal.

Fair Credit Car Loans - Homeowners
ProviderMin - Max LoanCredit HistoryAPRTermMax LTVApply
£40,000 - £200,000Good5.59%3 to 25 years55%Get Quotes >
  • Borrow between £40k to £200k
  • Nemo's cheapest loan
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 55% of your property
  • Must be aged 21

 Representative Example: The representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% (variable) you will repay £644.38 per month & total amount payable £154,651.20.

£20,000 - £100,000Good6.90%3 to 25 years65%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's cheapest standard loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% (variable) you will repay £402.23 per month & total amount payable £72,401.40

£40,000 - £200,000Good7.01%3 to 25 years70%Get Quotes >
  • Borrow between £40k to £200k
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% (variable) you will repay £418.92 per month & total amount payable £100,540.80.

£7,500 - £39,999Good7.01%3 to 25 years65%Get Quotes >
  • Borrow between £7,500 to £39,999
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 65% of your property
  • Must be aged 21

 Representative Example: The representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% (variable) you will repay £296.76 per month & total amount payable £53,416.80.

£20,000 - £100,000Good7.70%3 to 25 years75%Get Quotes >
  • Borrow between £20k to £100k
  • Shawbrook's flexible low rate secured loan
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 75% of your property
  • Must be aged 21

Representative Example: The representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% (variable) you will repay £516.41 per month & total amount payable £92,953.80.

£5,000 - £80,000Fair9.95%3 to 25 Years60%Get Quotes >
  • Borrow between £5k to £80k
  • Self employed accepted
  • 3 to 25 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 60% of your property
  • Must be aged 21

Representative Example: The representative APR is 11.8% (variable) so if you borrow £40000 over 15 years at a rate of 9.95% (variable) you will repay £460.77 per month & total amount payable £82,938.60.

£5,000 - £40,000Good10.90%3 to 25 years80%Get Quotes >
  • Borrow between £5k to £40k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 80% of your property
  • Must be aged 21

Representative Example: The representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% (variable) you will repay £313.19 per month & total amount payable £37,582.80

£5,000 - £30,000Good11.90%3 to 25 years85%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 85% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good14.90%3 to 25 years90%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£5,000 - £30,000Good14.90%3 to 25 years95%Get Quotes >
  • Borrow between £5k to £30k
  • Self Employed accepted
  • 3 to 25 year term
  • Good credit rating
  • Home Owners Only
  • Maximum LTV 95% of your property
  • Must be aged 21

Representative Example: The representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 17.3% (variable) you will repay £248.35 per month & total amount payable £29,802.00.

£10,001 to £50,000Poor15.00%5 years to 25 years70%Get Quotes >
  • Borrow between £5k to £50k
  • Self Employed accepted
  • 5 to 25 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 18

Representative Example: The representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% (variable) you will repay £351.71 per month & total amount payable £42,205.20.

£10,000 - £500,000All Credit Profiles Considered15.10% Typical
(Variable)
3 Years - 25 YearsUp to 90%Get Quotes >
  • Compare latest secured loan deals
  • Borrow between £10k to £500k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

The Loans Engine is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 - £200,000All Credit Profiles Considered15.60% Typical
(Variable)
Up to 25 YearsUp to 90%Get Quotes >
  • Compare latest secured and unsecured loan deals
  • Borrow between £3k to £200k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Must be aged 18

Freedom Finance is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 to £10,000Fair19.60%3 to 10 Years90%Get Quotes >
  • Borrow between £3k to £10k
  • Evolution Money's lowest rate loan
  • 3 to 10 year term
  • Fair credit rating
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 18

Representative Example: The representative APR is 27.1% (variable) so if you borrow £10000 over 7 years at a rate of 19.6% (variable) you will repay £248.01 per month & total amount payable £20,832.84.

£5,000 to £10,000Poor30.60%3 to 10 Years120%Get Quotes >
  • Borrow between £5k to £10k
  • 3 to 10 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 120% of your property
  • Must be aged 18

Representative Example: The representative APR is 42.4% (variable) so if you borrow £7500 over 5 years at a rate of 30.6% (variable) you will repay £270.24 per month & total amount payable £16,214.40.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Poor Credit Car Loans - Homeowners Only
ProviderMin - Max LoanCredit HistoryAPRTermMax LTVApply
£10,001 to £50,000Poor15.00%5 years to 25 years70%Get Quotes >
  • Borrow between £5k to £50k
  • Self Employed accepted
  • 5 to 25 year term
  • Poor credit rating
  • Home Owners Only
  • Maximum LTV 70% of your property
  • Must be aged 18

Representative Example: The representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% (variable) you will repay £351.71 per month & total amount payable £42,205.20.

£10,000 - £500,000 15.10% Typical
(Variable)
3 Years - 25 Years Get Quotes >
  • Compare latest secured loan deals
  • Borrow between £10k to £500k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Maximum LTV 90% of your property
  • Must be aged 21

The Loans Engine is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

£3,000 - £200,000 15.60% Typical
(Variable)
Up to 25 Years Get Quotes >
  • Compare latest secured and unsecured loan deals
  • Borrow between £3k to £200k
  • No harm to your credit rating when you request quote
  • Fixed rates available
  • All credit profiles considered
  • Home Owners Only
  • Must be aged 18

Freedom Finance is a broker, not a Lender. They will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. They do not charge you an upfront fee but if your application is successful a Broker commission may be charged.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.