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No Credit Check Loans

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

You can easily compare and choose the best loans from £1,000 to £20,000
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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

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

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Bad Credit? No Problem with Personal Loans Now

We understand not everyone has the perfect credit score, which is why we are here to help you. Even if you have bad credit, resulting from a CCJ for example, we can show you what’s available. Our list of 40+ direct lenders 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 us will show you all 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. This will give you plenty of information before you decide to go ahead with one of our lenders. This way you’ll be able to avoid less trusted avenues for credit, such as doorstep loans

 

 

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 Lenders – if our lenders can approve your loan request, you will be funded directly.
  • Personalised Table of Offers – we can show you instant loans with no credit check needed until you apply.

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These are some of the 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 requirements you’ll 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 the minimum requirements, we can look to help you. We’ll find, with no credit check, direct lenders who can help you apply for between £1,000 up to £7,500 for bad credit. This is not a guarantee you’ll be approved for the loan you want. Some lenders have additional requirements to be able to approve your application. If you can meet the above, you stand a good chance of being accepted. You will get to choose from many lenders we work with.

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

We can show you available loan offers from direct lenders without a credit check first. But you’ll need to have a search of your credit file during the application. No lender will be able to offer you a loan without conducting a credit search as part of an application. Personal Loans Now is a trustworthy credit broker and all our lenders are fully FCA authorised. As committed responsible lenders to treating customers fairly, we need to ensure you can afford the loan. Therefore, our lenders will need to conduct the relevant credit and affordability checks before approval as well.

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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’ll need to have a good credit score. Without a good credit score, you’ll find the loan offers will have higher rates of interest. They may also have less desirable repayment terms, due to the higher risk presented to a lender. If you’re unsure what your current score is, use a credit reference agency such as Experian or Equifax. Each credit reference agency will have a similar rating score from poor to excellent. The higher your score, the better your approval chances are. If, for example, you’re looking for secure lending of £25,000 and higher, you’ll need a good score.

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. This will help you build up your current score by showing commitment to making repayments. It can be a slow process. But if you maintain repayments with small amounts of borrowing, you will help your credit score in the long run. To eventually apply for larger amounts of credit, you’ll need to focus on this aspect of your finances. You should avoid applying for credit too often or for amounts too high when trying to improve your score.

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

Yes, the lenders we connect you with, are safe to use. Following FCA guidelines, we strive to provide an online process that will keep your personal details secure. We will only share your details with lenders you want to deal with. As a trusted broker, we’ll always ensure you meet strict affordability checks before being approved for a loan. This way, you are protected from being approved for more than you can afford. This will also ensure a lender conducts responsible lending correctly. If you have any questions, don’t hesitate to contact us.

Do I Need a Guarantor for a Bad Credit Loan?

You’re not required to have a guarantor to 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. As bad credit loans are capped at £7,500, you’ll need a guarantor to apply successfully.

A guarantor loan will enable you to apply for higher amounts and provide an increased chance of approval. This is because 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. If you’re currently unemployed, the only way you can be considered is with a guarantor.

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

If you miss repayments with bad credit loans, you’ll need to contact the lender at the earliest opportunity. If you get into difficulty, you run the risk of legal action being taken by the lender. This will be to recover any lost payments, or possibly, the full loan amount. By contacting the lender 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’re struggling with your finances, we recommend you seek independent advice. Companies such as the Money Advice Service will be able to offer impartial financial advice to help. Bad credit loans are designed for the short term. We do not recommend they are used for helping to make repayments for other forms of borrowing. You’ll need to carefully consider your current situation before applying for any form of credit. This is so you can avoid falling into further difficulties. We recommend going through your income and outgoings so that you can see exactly what your disposable income is. That way, you can see if you have the affordability after your main bills to pay for a bad credit loan.

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