Payday Loans - Perfect Credit Not Required

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You would like to borrow £100 over 6 months

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.

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Real reviews from our customers with bad credit

My credit card was declined when I was trying to buy binders before going on a date on Friday. Readies to the rescue, I had the money in my account in an hour.


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.


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.


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


Information About No Credit Check Payday Loans

If you've struggled with a poor credit history in the past, or you find that your financial situation is currently holding you back from getting the support you need, then you might want to avoid credit checks like the plague. In fact, you might have even started to look at things like "no credit check payday loans." The question is, what is a no credit check payday loan, and is it the right way forward for your finances?

In simple terms, a no credit check payday loan would seem to define a loan where your credit file remains untouched by the lender. Of course, depending on who you apply for a loan with, it's worth noting that the definition they use of a "no credit check" loan may differ.

Most payday loans will include at least some kind of credit check - at the very least, your loan provider will need to know that you are who you say you are. At the same time, your lender needs to know that they're not giving money to someone who's already bankrupt.

  • Who Can Use a No Credit Check Loan?
  • What is The Loan Application Process?
  • Borrowing Money Without Any Checks. Wise?
  • How Does a No Check Payday Loan Work?
  • Understanding How Lenders Evaluate Customers
  • Instant Payday Loans & How They Are Approved
  • Testimonials From Our Customers
  • How To Get a Payday Loan Today
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Not ready? Read on to see different kinds of credit checks with Payday Loans

Different Kinds of Credit Checks with Payday Loans

Most of the time, a no credit check payday loan doesn't mean that you're not going to have any checks performed into your account at all. Instead, it simply means that you're going to have a different kind of check before you can get your money. Most payday loans offer small amounts of money for a small amount of time to help you pay for something that you simply can't wait until your next pay to get. For instance, if you need to pay for an emergency repair to your car so you can get to work the next day.

Often, the features of a no credit check payday loan include:

  • No fingerprint of a credit check on your file: The people behind these loans are careful not to leave a mark on your file when they're searching through your history, this means that you won't have a reduced chance of getting a loan elsewhere if you apply with a different lender. Often, multiple marks for credit checks on your file can make it harder to get the money you need.
  • Small loan amounts and short terms: The amount of money you can borrow with a no credit check payday loan is limited, because the lender may see you as a higher risk. Some lenders will offer somewhere in the region of £2,000, but often the amount you can access will be less. Additionally, the risky nature of the loan means that you get less time to repay what you borrow.
  • Interest rates: The interest rates on no credit check payday loans are often higher than they are with mainstream loans because there's a greater amount of risk involved for the person providing the loan. However, if you do use the loan wisely, you shouldn't have too much trouble paying it back and avoiding problems with the interest rates.

What Makes a No Credit Check Payday Loan Different

So, how does a no credit check payday loan differ from a standard payday loan?

When you take out most kinds of loan, including the standard payday loan, the lender that you deal with will take a credit check out on you that examines your previous history with money. A credit check involves your lender contacting at least one of the credit reference agencies in the UK, such as Experian, or Equifax. When your lender contacts the credit agencies, they'll receive some important information about how you've handled credit in the past.

Most banks and lenders believe that the history of how you've managed your credit in the past is a good sign of how you're going to handle it in the future. In other words, if you've missed payments before, or you've had issues with County Court Judgements, for instance, you might not be accepted for a traditional loan. In the UK, there's currently no such think as a no credit check loan, but if there were, the lender would still need to check specific details, such as:

  • Your name - the name you put on your application would need to link back to details about you.
  • Your Address: You would need to give your address to comply with the UK anti money laundering and fraud laws. To make sure that your application is handled as well as possible, your current address details should match the details on your bank account.
  • Your monthly income: payday loans that wouldn’t have a credit check associated with them would need to be able to find out more about your ability to pay back the loan you borrow by examining your current income.
  • Employment history: Your employment history would be needed not to contact your employer, but to simply show that you have a strong and steady supply of income.

Why Does Everyone Have A Credit Score?

At this point, you might be wondering why there's such a thing as a credit score in the first place. The first thing you need to know is that your credit score is based on what you've done with money in the past, and how you've handled previous forms of credit. Generally, credit scores are put in place to help predict your future behaviour, by looking at the way you acted in the past.

Whenever a bank or building society gives you money, or a payday loan lender agrees to give you the cash you ask for, they're essentially trusting you to pay that money back. Some people are riskier investments than others, and the best way to determine how much risk you pose to a lender is to look at your credit score.

One thing to keep in mind is that you can always check your credit score yourself by looking at your information with one of the credit reference agencies. The credit reference agencies in the UK are Experian, Equifax, and CallCredit. These organisations are responsible for compiling information about your spending habits, and they supply that information to a lender when you apply for money. The information about your credit is gathered using information from the electoral roll, as well as information from other lenders that you've taken money out with, mortgage companies, mobile phone agencies and more.

Because the lenders you've worked with in the past might not necessarily send the same information to all three agencies, there's no universal credit score for someone in the UK. Each of the credit reference agencies that a lender speaks to in the UK can score you slightly differently depending on the information that they have about you.

Payday Loans With No Credit ChecksAmount BorrowedInterest RateRepayable APRDirect Lender Bad Credit Accepted
Representative Example: Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60.
Representative Example: £400 loan for 113 days (4 instalments). Total: £597.48. Interest £197.48. Interest rate 255.5% pa (fixed). Repay £149.37 for 4 payments. Representative 939.5% APR.
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.
Representative Example: Borrowing £300 over 90 days, 3 x payments of £151.42, Total amount repaid: £454, Interest rate 292% (Fixed), Representative APR 1265%.
Representative Example: Borrow £250 for 3 months. Total repayment: £379.44 in 3 monthly payments of £126.48. Interest p.a: 292.25% (fixed). Representative 1255.66% APR.