Are you looking online for no credit check loans?
No credit check payday loans are not an FCA recommended product in the UK.

Direct lenders can offer people with bad credit a loan but they must perform a basic credit check on every application. Cashfloat, a UK-based direct lender, offers instant decision loans specifically for poor credit. All it takes to apply is a few minutes of your time.

Did you know that payday loan companies which offer no credit check loans in the UK are unsafe? Therefore, we provide loans for bad credit instead. You can apply for a bad credit loan of up to £1,500, and if approved, money can be sent to your bank account the same day.


What is a no credit check loan?

A no credit check loan is a loan which is granted without the lender conducting a full review of the applicant’s credit history.

A no credit check loan may sound attractive to you if you have a bad credit history or do not want your credit file to be affected when you take out a payday loan. However, no responsible and regulated lender will offer no credit check loans to potential customers. 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.

Cashfloat Loan Reviews
Courtney Walter
Verified Buyer – Google Reviews

Cashfloat were quick to help out when i was in a tight spot before payday and very understanding of my personal circumstances. Best lenders out there.

Mr I Smith
Verified Buyer –

Cashfloat has been fantastic service, when I use this service not only does it give me the buffer for me to start to get back on track with my finances for all the times I’ve used this service my credit score has also started to improve, thank you

Verified Buyer –

CashFloat took care of me within minutes. I have bad credit and had been denied by all popular lenders, I was desperate for some quick cash and they were there, without the nasty APR fees.

Verified Buyer – Trustpilot

Quick and simple application process. Funds in my bank account fast. Very clear about interest and amount to pay back each month. Paid loan back early and only paid interest on time I actually had the loan. Would use again.

How our loans work
a step-by-step guide

You can get a bad credit loan from £400 to £1,500


It takes 3 minutes to complete the online application form


You’ll get a 90 seconds instant lending decision


1 hour from approval, the money should be in your bank account

Cashfloat’s alternative to no credit check loans

Finding a no credit check loans alternative will help you to get the loan that you need without using unsafe means. Our bad credit loans enable people with a low credit score to have access to secure means of credit. When used correctly, they can improve your credit rating and increase your chances of getting approved for loans in the future.

Can I Get a Bad Credit Loan Today?

With Cashfloat, not only is it possible to get a same day loan, but we strive to get the loan into your bank account even with a few hours if possible if approved. We use Faster Payment Services (FPS). However, if your bank does not support FPS then it can take a little longer. Remember, even when you’re in need of some quick cash, make sure to only deal with trusted lenders who offer loans with credit checks.


Direct lenders with 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.

Where can I find a UK direct lender who provides quick no credit check loans?

Cashfloat is a fully authorised UK direct lender. This means that we deal with your application from start to finish, making the process faster and easier for you. If you are approved, our quick UK loans can reach you on the same day – depending on when you apply. However, in the UK, no credit check loans are not safe. Therefore, it is tough to find instant cash loans with no credit check in the UK. At Cashfloat, we perform a credit check on every new application as we believe that lending is an ethical decision designed to help save you from debt and not pull you in.

How much can I get a bad credit loan for?

Other amount

Want to borrow money with no credit check in the UK?

Try Cashfloat instead!

Repayment total

Repay over: 3 months, 3 repayments of: £220


No credit check payday loans

If you are looking for instant payday loans 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 is recommended to carry out a 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.

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 offers 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.

Cashfloat’s solution

No credit check loans are unsafe in the UK but you can apply for a bad credit payday loan instead and receive from £400 up to £1,500, today. 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 on time. Stay safe and apply for a payday loan from an FCA authorised, moral direct lender.

FAQ’s about no credit check loans

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.

Can I get a guaranteed payday loan with no credit check?

Guaranteed loans no credit check in the UK are not an option. Direct lenders must perform a basic credit check to determine if the borrower is qualified to get a loan. There may be some brokers in the UK which 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 a 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.

Can I get a short term loan with 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.

Can I get a cheap loan with no credit check?

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. 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.

Why can’t I get online loans with no credit check and guaranteed approval in the UK?

Online guaranteed loans with no credit check sound ideal as they sound easy to obtain. However, according to the law, all lenders must perform a credit check before approving any credit request. Without checking your credit and affordability first, no responsible lender can guarantee you a loan. No credit check loans with guaranteed approval are not legal, and we recommend that you report any lender claiming to offer them.

However, high acceptance loans for bad credit are available online through sites like At Cashfloat, we know that you are more than your credit score! That’s why we’ll do our best to approve your loan, even with bad credit.

Does the FCA authorise your bad credit loans?

Cashfloat is a fully trusted direct lender, registered and authorised by the FCA. Our bad credit loans provide a safe alternative to no credit check loans, which are unsafe in the UK. Be careful of lenders offering no credit check loans; they could be a loan shark.