Payday Loans - Perfect Credit Not Required

Loan Amount
£
Duration
Days
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You would like to borrow £100 over 28 days

The table below has been updated, with the cheapest lending option at the top.  Please use the Visit Site buttons to apply, or re-enter loan information for another comparison.
Please note only two lenders offer more than £1000. If you want a much larger choice, please lower the amount to £1000.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.


Readies is rated 4.8 stars by Reviews.co.uk based on 15 reviews

Real reviews from our customers with bad credit

After my car broke down I was desperate for a quick loan or I was going to lose my job. Thanks Readies, you saved the day. Money was there in less than an hour.

Steven

I didn't expect to be approved after other lenders turned me down. Readies managed to sort out a £500 loan which meant I had a lovely birthday weekend.

Susan

I'd definitely recommend your service. I was in major need of a short term loan and you guys came through - £750 in my hands in less than 30 minutes.

Jenny

After being declined by Wonga I gave Readies.co.uk a go and what a difference. Thank you very much, £500 in my account quickly and my wife loved the weekend away!

Joe

A simpler option

Usually, there’s nothing simple about getting approved for a loan. A typical lender might require you to fill out an enormous number of forms detailing your credit history, income, employment history, and more.  With many lenders, the process of applying for this type of loan can literally be completed in minutes. You’ll be surprised at how little effort it takes to find a lender that’s eager and willing to help you in your time of need.

Avoid the headaches and get on with your life. If you thought that taking out a loan was not an option for you because of your credit history, think again. Regardless of your past, you can be approved today for the loan you need and have loan funds quickly deposited into your account thanks to the convenience of no credit check loans.

Compare No Credit Check Payday Loans

Your credit history shouldn’t stand in the way of getting a fair deal on a loan when you need to borrow. Thanks to no credit check loans, it doesn’t have to. When you take out this type of loan, you don’t have to worry that you will be rejected because of the past. Instead, you can simply look forward to a healthy and stable financial future.

Not only can you find a no credit check loan that’s available to you when you need, but you can even shop around for the best deal. Many different lenders offer this type of loan, so you can be sure to find a financial product that perfectly meets your unique needs.

What are the advantages of no credit check loans?

The advantages of this type of loan lie in its simplicity. The credit check process can be nerve-wracking, drawn out, and frustrating. Avoid the frustrations with a loan that doesn’t require a traditional credit check. If you want to get a fast decision and have loan funds deposited into your account quickly, this is the type of loan for you.

Getting the loan you need

How much money do you need? Taking out a loan from a lender that doesn’t require credit checks can instantly qualify you for a loan on the amount money you need. Your loan amount will in part be determined by your projected ability to repay, but you will typically have some flexibility in deciding on the amount. Not only will individual lenders give you options in regards to your loan amount, but you can comparison shop and see which lender offers you the amount you need to pay any bills or meet any expenses. Once you’ve been approved, you’ll soon be on your way. But you will have left the stress and pressure of dealing with unpaid bills behind.

A simpler option

Usually, there’s nothing simple about getting approved for a loan. A typical lender might require you to fill out an enormous number of forms detailing your current credit history, employment history, and more. However, this is not the case with a no check payday loan. With many lenders, the process of applying for this type of loan can literally be completed in minutes. You’ll be surprised at how little effort it takes to find a lender that’s eager and willing to help you in your time of need.

Avoid the headaches and get on with your life. If you thought that taking out a loan was not an option for you because of your credit history, think again. Regardless of your past, you can be approved today for the loan you need and have loan funds quickly deposited into your account thanks to the convenience of no credit check loans.

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ProviderMax Loan AmountRepayable on £100
(over 28 days)
Representative
APR
Good Practice
Charter
(?)
Good Practice Charter

This indicates if the lender is signed up to the Good Practice Charter which encourages responsible lending from payday lenders and brokers.

User Reviews
Credit On Demand
£100
30
£123

No yet rated

Write Review

Representative Example:
Loan amount £400 repayable over 28 days, Total amount repayable £487.36, Interest: £87.36 Interest rate 284% p.a. fixed.

Bongaloans
£100
30
£124

Rated 3.8 / 5 by
by 58 users

Read Reviews

Representative Example:
Representative example: Amount of credit £300 for 30 days. Total amount repayable £372. Interest £72. Interest rate 292% p.a fixed. Representative 1272% APR (variable).

247Moneybox
£100
30
£129

Rated 3.8 / 5 by
by 92 users

Read Reviews

Representative Example:
Total amount of credit £80, duration of the agreement 29 days, rate of interest 292.8% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1291.8% APR.

Ferratum
£100
30
£129

Rated 3.9 / 5 by
by 21 users

Read Reviews

Representative Example:
Representative Example: Amount of credit £300 for 37 days. Interest £88.80. Interest rate 292% p.a. (fixed). Representative 1190% APR. Total amount repayable by one repayment of £388.80.

Direct Money
£100
30
£130

Rated 3.5 / 5 by
by 18 users

Read Reviews

Representative Example:
Amount of credit £100 for 30 days. A £5 Faster Payment Fee will be deducted form your loan. Interest £25.Total amount payable £125. Interest rate 300% pa (Fixed). Single repayment of £125 Representative APR 2333.9%

Whilst we make every effort to ensure that the information is up to date, you should always confirm the terms of the offer with the product provider.

5 most recent payday loan reviews

Review of 247Moneybox
I think 24/7 Moneybox need to rethink their policy on charging for a Fast Process because it should be standard with all payday loans that within reason you get your loan money the same day you apply for it. Unless you are applying late on a weekend night you should be able to expect that the money transfer can be done easily and quickly once your credit check and affordability assessment is done. I appreciate 24/7 Moneybox have really good interest rates but for some people like me it's not just about getting the lowest rate only to have it cancelled out by paying extra to get your money quickly.

Review posted by Jamie Burroughs, Croydon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 247Moneybox
If I use 24/7 Moneybox again I won't pay the extra for the Fast Process because it really wasn't worth it and it makes a small payday loan much more expensive than it needs to be. I don't think its fair that 24/7 Moneybox charge this fee so that you can get your money on the same day. Not all the payday lenders charge this fee so if they can do it why can't 24/7Moneybox? Maybe their interest rates are better but I still don't think their good enough for them to be able to justify charging a fee for you to get your money on the same day. I hope they don't mind me saying this but I think they ought to know what their customers think so that they can improve their loan service.

Review posted by Casey Taylor, Dartford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 247Moneybox
Provided you don't opt for the Fast Process and are happy to wait 2 or 3 days for your cash then I would recommend 24/7 Moneybox especially if you are only borrowing a small amount. If not this payday loan can work out much more expensive than most of the other payday loans that are available currently. Whilst I was quite happy with this loan I am not sure I'd use 24/7 Moneybox again because even if I am just borrowing a small sum of money I would like to have the money available to me the same day without having to pay extra for the Fast Process. I haven't read all the other reviews but I wouldn't be surprised if a lot of them mention this point. Apart from that I don't think 24/7 Moneybox are a bad lender in other ways and will award my stars accordingly.

Review posted by Eddie Dalton, Hounslow

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 247Moneybox
If I use 24/7 Moneybox again it will be because I have planned ahead and applied for the loan in plenty of time so that I don't have to use the fast process and therefore pay 20 quid on top of what the loan is already costing me. I got caught out with the first loan I got from 24/7 Moneybox and rather than back down I just paid the extra but I won't be doing that again if I can help it otherwise it just makes what is generally a very reasonable loan become a bit too expensive to be taking out on a frequent basis. If I've left it too late I will probably have to go with another payday lender rather than pay that extra fee.

Review posted by Rebecca Ecclestone, Chigwell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 247Moneybox
I try not to use the Fast process service whenever I get a payday loan from 24/7 Moneybox because it bumps the overall cost up quite a bit which is ok if you are borrowing say the maximum amount they offer and really need it in a hurry but for the usual small payday loans just to tide you over to the end of the month I don't think it is worth it and that's why I don't use 24/7 for all my payday loans. I only use them when I need quite a bit of extra cash for something like a weekend away with my pals or my girlfriends birthday. For that loan amount they are one of the best I think because you have usually thought ahead and get your application in in plenty of time. that's how it works for me anyway and I'll keep using 24/7 Moneybox for those type of occasions.

Review posted by Jon Bentley, Gidea Park

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money