No Credit Check Loans

Can you get a loan without a credit check?

The short answer is no. 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. To find our more about your credit score you before you apply for a loan use - credit report service 

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.

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.