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No Credit Check Loans

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We search the entire loan market,
so you don't have to, without affecting your credit score!

You can easily compare and choose the best loan for you, from £2,000 to £25,000.
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If you want no credit check loans, choose Personal Loans Now to see what is available across the market. We can show you with no credit check, direct lenders who can lend up to £7,500 if you have bad credit. All you have to do is click apply now and we can show you with no credit check, instant decision loans for you. Our approval process is quick and only needs one application to have access to the whole market. Why not apply today and see exactly how Personal Loans Now can help you!

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No Credit Check, Direct Lenders Who Can Help

Having a service that can show you the very best deals and rates available without the need for a credit check is a reality with Personal Loans Now. Why submit to a credit check when all you want to see is what’s available to apply for? We understand that you don’t want to have a search of your credit file undertaken just for browsing, which is why our credit on demand system is the perfect way to research what’s out there. You’ll be able to see all of the online loans with no credit check needed with just a few clicks. Just enter the loan amount you need, and the repayment terms you want, and we’ll show you short term loans with no credit check needed so you can see the information before you apply.

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Bad Credit? No Problem with Personal Loans Now

We understand not everybody has the perfect credit score, which is why we are here to help you. Even if you have bad credit, we can show you what’s available from 40+ direct lenders who are willing to offer credit to applicants with a poor credit score. If you can prove you have the affordability, there is a good chance you may get the loan you want. One application through Personal Loans Now will enable you to see all of the bad credit loans with no credit check needed before you apply. See what’s available first before having a search of your credit file conducted, giving you plenty of information before you decide to go ahead with one of our lenders.

 

 

Why Choose Personal Loans Now to See Quick Loans with no Credit Check Needed First?

Processing an application through us provides you with many benefits to help get you the best deals available. These include:

  • Fast Online Application – It only takes 3 minutes to fill in an application online with us.
  • Instant Approval – in just 90 seconds you will get a decision on your loan.
  • High Acceptance Rates – we have agreed over 50,000 loans and are eager to help provide more.
  • Low APR Rates – you’ll find the best deals available for your circumstances.
  • Direct Lender – if we can approve your loan request, we can fund your account directly.
  • Personalised Table of Offers – we can show you all the instant loans with no credit check needed until you apply.

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These are some of the many reasons people have applied through Personal Loans Now for bad credit loans, so why try for yourself today by clicking apply now.

 

What Do I Need to be Eligible for Small Loans with No Credit Check Needed First?

There are a few eligibility requirements you will need to meet first before you can apply for fast loans with no credit check before applying. This includes:

  • You must be aged 18 years or older
  • Have a UK bank account
  • You are a current UK resident
  • Have a regular source of income

If you can meet these minimum requirements then we can look to help you find, with no credit check, direct lenders who can help you apply for between £2,000 up to £7,500 for bad credit. This is not a guarantee you will be approved for the loan you want, with some lenders having additional requirements to be able to approve your application. If you can meet the above, you stand a very good chance of being accepted and will get to choose from the many lenders we work with.

Can I Get No Credit Check Loans Approved without a Credit Search?

Whilst we can show you the available loan offers from direct lenders without the need for a credit search first, you will be required to have a search of your credit file during an application. Unfortunately, no lender will be able to offer you borrowing without conducting a credit search as part of an application. Personal Loans Now are an FCA authorised direct lender, with the lenders we connect you with also following FCA guidelines. Due to our commitment to responsible lending and treating customers fairly, we need to ensure your affordability meets the loan requirements you’ve applied for. If we cannot approve your application, we will connect you with other direct lenders, however, they will need to conduct the relevant credit and affordability checks before approval also.

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No Credit Check Loans FAQ

How Can I Improve My Credit Score?

To be able to get the best rates on a loan, you will need to have a good credit score. Without a good credit score, you will find that the loan offers you will receive will have higher rates of interest and less desirable repayment terms, due to the higher risk presented to a lender. If you’re not sure what your current credit rating is, you can use one of the UK-based credit reference agencies to find out more, such as Experian or Equifax. Each credit reference agency will have a similar rating score from poor to excellent, with the higher your score the better.

If you find that your rating is low, then there are some ways to try to improve it. Applying for bad credit loans can help you, especially if you have not had a lot of borrowing previously, as this will help to build up your score by showing commitment to repayments. It can be a slow process, but if you keep maintaining repayments with small amounts of borrowing, you will help your credit score in the long run. To be able to eventually apply for larger amounts of credit, you will need to focus on this aspect of your finances and avoid applying for credit too often or for amounts too high to begin with.

No Credit Check Direct Lenders – Are They Safe To Apply For?

Yes, the lenders we connect you with, like ourselves, are safe to use. Following the FCA guidelines, we strive to provide an online process that will keep your personal details secure and only shared with lenders you want to deal with. As a trusted lender, we will always ensure that you meet strict affordability checks first before being approved for any loan amount. This way, you are protected from being approved more than you can afford as well as ensuring a lender is conducting responsible lending correctly. If you have any questions about the application process and the lenders we use, don’t hesitate to contact us to find out more.

Do I Need a Guarantor for a Bad Credit Loan?

You are not required to have a guarantor co-sign a loan offer when applying for bad credit loans, however, some lenders may only be able to offer the money and terms you want with a guarantor. Because bad credit loans are capped at £7,500, if you are looking to apply for higher amounts of borrowing up to £25,000 with a poor credit score, a guarantor will be needed.

A guarantor loan will enable you to apply for higher amounts and provide you with an increased chance of being approved as you will present less of a risk. Your guarantor will need to have a good credit score to be eligible to co-sign, among other conditions.

What Happens if I Miss Repayments on No Credit Check Loans?

If you miss repayments with bad credit loans, you will need to contact the lender directly at the earliest opportunity. If you get into difficulty, you run the risk of legal action being taken by the lender to recover any lost payments, or possibly, the full loan term to be repaid. By contacting the lender, ideally before you have missed the first payment, you stand a better chance of coming to an agreement.

I’m Experiencing Financial Difficulty, can Personal Loans Now Help?

If you are struggling with your finances, we recommend that you seek independent advice, such as from the Money Advice Service, who will be able to offer impartial financial advice to help. Bad credit loans are designed for the short term and we do not recommend they are used to help make payments for other forms of borrowing. You will need to carefully consider your current situation before applying for any form of credit so that you can avoid falling into further difficulties. We recommend that you fully go through your current income and outgoings so that you can see exactly what your disposable income is. That way, you can easily see if you have the affordability after your main bills to pay for a bad credit loan.

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