Payday Loans No Credit Check

Are you looking online for no credit check loans? Please read on before you apply for payday loans with no credit check.

No credit check payday loans are not an FCA approved product in the UK. Direct lenders can offer people with bad credit a loan but they must perform a basic credit check for each and every application.

No Credit Check Loans

The good news is that payday loans lenders are allowed to offer loans for people with poor credit if they pass their comprehensive affordability assessment and if they believe the borrower can repay the loan on time. High cost short term loans are by definition no guarantor loans that are provided online to help people through a temporary financial need. Payday loans with no credit check and no guarantor do not exist in the UK. At Cashfloat, we know that many people in the UK are better than their credit score and we try to help people even with imperfect credit. Don’t try to hide your credit history, share it with the lender. After all, any money borrowing is based on trust and transparency.

What if I have bad credit but I need a loan fast?

In these situations, loans without credit checks seem like the best solution. After all, you can get your loan without having your credit report affected! As explained, no credit check loans are not a viable option. Instead, check your credit report to see what is disrupting you from getting credit. Once you know which accounts are causing issues, you can work on fixing them, thereby improving your credit score! You can read more tips on improving your credit score and you will never need to search for no credit check payday loans again.

Borrow money no credit check in the UK

Type of loans Availability Online
50 payday loans no credit check

Not applicable in the UK

100 loan no credit check

Not applicable in the UK

100 loan for bad credit

Payday direct lenders


300 loan poor credit

Direct lenders


300 loan no credit check

Not applicable in the UK

1000 loan with very bad credit

Direct lenders installment loan


1000 loan no credit check

Not applicable in the UK

Guaranteed payday loans no credit check

Guaranteed loans no credit check in the UK are not a valid option. Direct lenders must perform a basic credit check to determine if the borrower is qualified to get a loan. We have noticed that some brokers in the UK advertise that they provide guaranteed payday loans for bad credit but it is important to understand that loans cannot be guaranteed, especially with no credit check. In this business, direct lenders take no guarantor or securities for the loan and they need to ensure that people applying for loans can actually repay it on time. Cashfloat perform a credit check for each application and we grant loans if we believe customers can afford to repay it on time. And not solely based on their credit history and credit score. It is our advice to avoid direct lenders or brokers that offer any form of guaranteed loans with no credit check.

Short term loans no credit check

Short term loans are available online. People with very poor credit are welcome to apply but as a regulated direct lender, we must perform credit check. Short term loans online with no credit check is not a regulated product. Short term loans can be repaid with several instalments. Cashfloat is a new short term loan direct lender. Short term loans are a good alternative for people with bad credit as the instalment based repayment plan makes the loan more affordable for the borrower. At the same time, borrowers must remember that the interest is calculated on a daily basis and hence the total cost of borrowing may be higher the longer you keep the money.

Instant payday loans no credit check

If you are looking for instant loan no credit check you probably need money fast and you may be aware of some issues with your credit score. While direct lenders can sometimes approve payday loans instantly, an FCA authorised lender cannot do it with no credit check. So if you need a payday loan fast, it’s better to speak to your lender and always be suspicious of lenders that offer instant loans with no credit check. Today in the UK, most of the instant payday loans offer several instalments as well and in many cases, people with bad credit can still get approved for a small loan based on affordability examination. All our loans are with no guarantor and we always try to offer same day funding with no fee.

Type of loans Loan available in the UK?
Installment loans no credit check

Installment loans lender must perform credit check

Cash loans no credit check

Cash loans in the UK require basic credit check

Cheap loans no credit check

Payday loans are classified as high cost short term loans and hence never cheap

Small loans without credit check

Some lenders offer small loans but they must do credit check

Payday loans no credit check

Payday loans from authorised lenders must go through some credit-check

Online loans no credit check

Loans offered online in the UK, must perform credit check

Long term loans no credit check no guarantor

Long term loans may be offered with no guarantor but they will not be cheap or without any credit check

Pay weekly loans no credit check

Some lenders in the UK offer weekly repayment plans. FCA authorised ones conduct credit history review

Wage day loans no credit checks

Wage day loans are aim to help you till next payday. In the UK wage day lenders must perform credit check

Weekend payday loans no credit check

Some online loans in the UK are offered over the weekend. But only loan sharks offer no credit check loans. Please work only with approved lenders.

Cheap loans no credit check

The best payday loans with no credit check is a loan not taken! By definition payday loans are not cheap. A credit check is one way lenders can reduce the risk of losing their money. There are many people that want to borrow money fast with no credit check but in reality, even if no credit check loans would be legal, they wouldn’t be cheap. The combination of fast cheap and no credit check makes no business or legal sense to any authorised lender in the UK. Yes, cash loans no credit check may be a very popular search but may not serve the need for money correctly. Bad credit payday loans direct lenders operate in the UK but bad credit does not mean no credit check. Getting a loan fast with no credit check is not a safe idea and if someone actually offers this option to you, they are probably a loan shark and not and FCA approved lender.

Direct lenders no credit check

Responsible direct payday lenders in the UK do not offer no credit check loans. Direct lenders that are authorised by the FCA must have a responsible lending policy in place. Part of the requirements to comply with FCA regulation are related to the extent of credit checks and affordability assessments. People in the UK can apply online with very bad credit score. It is up to the specific lender to decide if they want to take the risk and approve the loan or not. Cashfloat is a new direct lender in the UK. People with bad credit are welcome to apply with us online. We always look at the bigger picture when trying to decide if to approve the loan application or not. We are a private lender and we always try to be the best lender for our customers. Please note: the online search results for “new payday lenders no credit check” does not suggest that the lenders displayed by Google can actually provide no credit check loans.

No Credit Check Payday Loans

Remember, when you apply for a payday loan online, your lender does not know who you are and if you are reliable in paying back your financial obligations. One of the ways a lender can determine if it safe to lend money to you is by checking your credit report. A lender who offer no credit check payday loans UK is offering you a product that is in essence flawed. Of course, there are many factors that show whether you are a good payday loan customer, and your credit report is only one of them.

You can apply for a bad credit payday loan instead, from a fully authorised payday loan lender. At Cashfloat, we use a range of factors to determine whether to lend to you. Our focus is on affordability because we just want to make sure that you can pay back your apply for a bad credit check short term loan ontime. Stay safe and apply for a payday loan from an FCA authorised, moral direct lender.

Written by: Sarah Connelly
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