No Credit Check Loan Search*

£50 to £2500 paid out by 1:04pm

Fast 3 to 18 month online loans.

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100% No obligation loan quote

Accept and get your cash in 15 minutes

We don't charge any fees, ever!

We don't credit check*


Representative APR 239.7%.

Representative Example: £500 borrowed for 5 months. Total amount repayable £1,003.58 in 5 monthly instalments of £200.72. Total Interest £503.66. Interest Rate 239.7% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 18 months.
†Loan amount subject to lender's requirements and approval. Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

No credit check loans – Can I get one?

The quick answer is no. With most direct lenders using their own criteria to assess an application, as well as general uncertainty regarding how credit scores and credit checks are conducted, many people have been left confused by the entire process. Because of this, an increasing number of people have sought to bypass credit checks entirely. This has created a demand for no credit check loans. Therefore, it is common to see advertisements for many such products, including payday loans no credit check and a short-term loan no credit check. Any short-term loan that can be approved without the need for a credit check or guarantor is something that many customers want.

Whilst some lenders advertise such quick loans without credit checks, the reality is in fact very different. With The Financial Conduct Authority demanding all authorised direct lenders to perform mandatory credit checks, if you see a company claiming to offer loans without a credit check, they are not being entirely honest with you.

New Horizons can help by checking your eligibility for a loan without performing a credit check. Our technology uses a ‘soft search’ algorithm to identify which lenders will accept you based on your personal information. This improves your chances of getting a loan and finds the best APR available from our panel of lenders for your personal circumstances.

Q1 – Payday loans with no credit check – How do they work?
Q2 – Will bad credit stop me from getting a loan?
Q3 – Payday loans no credit check no guarantor, are they legitimate?
Q4 – Is a payday loan no guarantor right for me?
Q5 – How can New Horizons help me?

No Credit Check Loan

 

Find your best rate loan without needing an initial credit check.*

Our ‘Soft Credit Match’ technology matches your profile to over 50 Financial Conduct Authority (FCA) approved loan companies without leaving any mark on your credit record.

With no obligation & no cost – it’s the best way to find a loan with no credit check.*

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Payday loans with no credit check – How do they work?

Concerns and uncertainty regarding credit scores and credit checks have unfortunately resulted in lots of confusion. With there being no universal criteria for credit scores, and many people scared of applying for loans simply in case they are turned down and thereby negatively affecting their credit scores, an increasing number of people are seeking to bypass credit checks entirely. As such, there has been a growing demand and subsequent market created for payday loans with no credit check at all. However, the problem with this is that there is no such thing as no credit check payday loans. The Financial Conduct Authority requires all direct lenders to perform mandatory credit checks. This means that if a company claims to offer such a loan, they are not telling you the whole truth.

Therefore, when applying for a loan the lender will perform their own type of credit check to check your suitability. However, this does not mean that people worried about their credit scores should not apply for such loans. Understanding that people can have a bad credit score for a variety of reasons, many of which are often accidental, an increasing number of payday loan lenders in the UK are now using new criteria in regards to how they view your suitability for a loan. Looking past previous credit scores, many lenders now take into consideration your present-day situation, such as your current employment status. As such, many lenders are now approving loans for people who previously would have had difficulty getting access to such funds.

Will bad credit stop me from getting a loan?

The truth is that if you require a loan and want to use a reputable, authorised direct lender, there is no way of doing so without having a credit check. This, of course, creates a problem. If you have bad credit, how can you get loans if there is no way to avoid a credit check? When you apply for a loan, the direct lenders performs its own form of credit check to gauge your suitability. However, this does not mean that people with bad credit should not apply for loans. Understanding that a person can have a bad credit score for a variety of reasons, many of which are often no fault of their own, UK direct lenders are now using new criteria in regards to how they view a person’s loan suitability. Looking past outmoded credit scores, many lenders now prefer to take into consideration your present-day situation, such as your current employment status. Therefore, many lenders are now approving loans for people who previously would have had difficulty being approved.

How we compare

Why use us?
How much can new customers borrow?
Up to £2500
No fees, ever!
What are the repayment terms?
3 to 18 Months
No paperwork
Approximate monthly cost of borrowing £100
£13
No obligation quote
Percentage of people accepted
92%
Instant offer
Can I repay in instalments
Yes
Flexible repayment
Do we credit check?*
No
No credit footprint

Payday loans no credit check no guarantor, are they legitimate?

Traditionally, direct payday lenders would insist loan applicants met certain criteria before approving a loan. One such requirement was the need for a guarantor. A guarantor was a person who would repay the loan should you not and was seen by many lenders as an essential part of a person’s application. Because of this, many people were simply unable to get a loan because they did not or could not get access to a guarantor. Luckily, things are now changing. Understanding that everyone has their own unique circumstances, many companies are now advertising payday loans with no credit check and no guarantor. Whilst we know there is no such thing as payday loans with no credit check, direct lenders are being truthful in claiming they offer no guarantor loans. Looking past this need for a guarantor, many lenders are now focusing on different criteria, such as your current employment status. As such, people previously unable to get such loans because they did not have a guarantor are now being given the same access to emergency funds as everyone else.

As a loan introducer, we do not charge for our service nor have any alliance with any lenders. Striving to match people with the best lenders for them based on their individual situation, many lenders are featured that now provide payday loans no guarantor. Such loans are as competitive to those that require guarantors in that you will not be penalised in the form of higher repayments etc., simply because you do not have a guarantor. This, as well as changes in how new payday loan lenders now assess a person’s suitability regarding a loan, means more people now have access to no guarantor than ever before.

Payday Loans No Credit Check Process

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Is a payday loan no guarantor right for me?

A payday loan is a very specific type of loan and therefore should only be used in the way it is designed to be used. The most important thing to remember about this type of loan is that they generally feature a very high APR. As such, A payday loans should only be used in an emergency and when you know you can quickly repay the money you borrow. These loans are designed to help people who suddenly find themselves unexpectedly needing extra funds, such as for an emergency car or home repair. If only used in such situations and repaid within the agreed time, payday loans can serve as a useful, quick solution.

Because of their high APR, there must be caution when considering such loans. We recommend that A payday loans are only used in emergency situations and not for simply getting quick cash or as a solution to a long-term financial problem, don’t get duped by companies offering payday loans no credit check no guarantor. It is of course always important to ensure you know exactly what you are getting into before taking out a loan.

All of the direct payday lenders that feature adhere to strict FCA guidelines. As such, all of the payday lenders that feature on the panel are required to offer full disclosure regarding every aspect of their loans. Such transparency gives you the information you need to make the best decision and helps you avoid payday loans companies who claim online to offer no credit check loans.

How can New Horizons help me?

As a loan introducer, our role is to help you get the best loan possible. We do this in various ways. First, the information you provide is used to find the lenders best suited to your specific requirements. This allows you to quickly see and compare the best loan deals currently available to you from a panel of lenders, with no credit check. Second, your information is also used to identify which lenders are most likely to approve your loan before you even apply. This helps to protect your credit score from being negatively affected by a loan refusal. Furthermore, by identifying those lenders most likely to approve your loan, you can significantly reduce the time it takes to apply for a loan; thereby helping you get access to the money you need as quickly as possible.

As an independent broker, our role is to help you get the best loan possible. We do this in various ways. First, we use the information you provide us to find which lenders are most suited to your individual requirements. This allows you to quickly see and compare the best loan deals currently available, as well as eliminating any direct lenders falsely claiming to offer loans with no credit check. In addition, we use your information to identify which lenders are most likely to approve your loan before you apply. This helps to protect your credit score from being negatively affected by a loan refusal. Furthermore, by identifying the lenders most likely to approve your loan, you can also significantly reduce the time it takes to apply for a loan; allowing you to get the money you need faster than ever before.

How we compare

Why use us?
How much can new customers borrow?
Up to £2500
No fees, ever!
What are the repayment terms?
3 to 18 Months
No paperwork
Approximate monthly cost of borrowing £100
£13
No obligation quote
Percentage of people accepted
92%
Instant offer
Can I repay in instalments
Yes
Flexible repayment
Do we credit check?*
No
No credit footprint

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Access £50 to £2500 today

Secure UK Site Secure UK Site

100% No obligation loan quote

Accept and get your cash in 15 minutes

We don't charge any fees, ever!

We don't credit check*