No Credit Check Payday Lenders

Even though most of the lenders today (if not all) conduct credit checks, some have a more flexible policy when looking at your credit history. That means you might be eligible for those payday loans even if you have a bad credit history.
Indeed, they will consider your application by looking at other criteria to asses whether you can afford to repay your loan on time. To do so they developed their own scoring system based on a combination of criteria and using complex algorithms. So depending on your circumstances you still could be approved by the following so called 'low credit score' lenders even with a low credit score:

Low credit score Payday Lenders

Rep. APR Loan Term Repay per £100 Review
289.59% 6-12 months £910.34
(£500, 6 month)
Read Review
Representative Example: Borrow £1000 for 12 months. Total repayment: £1937.24 in 6 monthly payments of £161.44.Interest p.a: 146.10% (fixed). Representative 289.59%APR
947% 3-12 months £151.70
(£100, 1 month)
Read Review
Representative Example: Borrow £400 for 6 months. Total repayment: £750.75 in 6 monthly payments of £125.13. Interest p.a: 259.33% (fixed). Representative 947%APR.

Low credit Lenders
Payday Lenders
Warning: late repayment can cause you serious financial issues. Get help on

The table above is displaying a list of direct payday lenders considering every application even if you have a low or bad credit score. That means they do conduct credit checks - but rather than focusing only on the credit check itself they will also pay attention to many other criteria to determine whether you can actually afford the loan you are applying for.
If you are still declined and own a vehicle, you could still try to apply to logbook loan lenders which do not perform credit checks since the loan would be secured against your car.

The Impact on your credit rating: when you repay your loan, the lenders conducting credit checks report it to the Credit Reference Agency who will then know that your loan is repaid, hence it might help improve your credit rating. Conversely, if you do not repay your loan, it will also be reported and it can have a negative impact on your credit rating since other lenders or credit providers can see this information. In the future it can also negatively impact your ability to access any credit (mobile phone, vehicle...).
Example of credit history:
check your credit history

6 things you need to know about your credit score

    Lenders not performing credit checks are rare
  • Why is my credit rating important?
Credit scores are very useful to lenders since this is the base for them to decide whether or not they should lend you money. When lenders are performing a credit check (note that this has a cost to them), this is to predict your future behavior. They use all the data they get from your credit file and pull that into complex predictic algorithms to try to anticipate your behaviour based on historic data.

Obviously, having a poor credit history will play against you. Also, having little or no history at all will also make things complex since there is no data about you, hence it is very hard to predict how you will behave.

  • Blacklists do not exist
You might feel that because your applications have been rejected you are on a sort of blacklist - but no, such thing does not exist. There is no universal scoring system either as each lender will score you differently and place different weighst on different criterion to evaluate your application. Other lenders that are more risk-bearing might lend you money but beware since the cost will very likly be much higher!

  • Check your credit file for errors
You applied several times and have doubts as to why you are being declined systematically? You might want to check your file for potential errors. Indeed, those files usually contain a huge amount of data and, while some errors can have no impact at all, some might be catastrophic for your credit application. Go through your credit file line by line (if possible check at least the 2 biggest agencies: Equifax and Experian) to make sure everything is correct.

  • What information will a credit check give to lenders? 
First of all, a lot of data about you will come from the application you complete on the lender's website: personal information, bank information, employment status, salary, address, marital status... however most will run both an identity check and a credit check.

If you have already borrowed money from the same lender, they have some additional data about your repayment behaviour, so that gives you an edge.

Then lenders can use all the data provided by credit agencies - most will use a unique source  (Equifax, Experian or Callcredit) but some might use more than one. Your file will contain the below:
- Electoral roll information: address and residential details
- Searches: it includes all lenders that have conducted a search on your file.
- Court records: County court judgments (CCJs), bankruptcies... as well as any kind of fraud
- Account data: all your activity from the past 6 years on credit cards, store credit, loans, bank accounts, mortgages, energy, mobile phones are reported there

  • What can't be found on your credit file?
- student loans (since 1998)
- council tax arrears
- driving and parking fines
- partner's information: who you are married to for instance
- declined application: only credit checks leave a footprint but nobody can see whether you have been approved or declined.
- you checking your own credit file
- any kind of personal details about your ethnicity or religion
- salary and saving accounts
- medical information
- criminal record
- child support agency payments

  • What can my credit score affect?
Simply put, it can impact your access to any type of credit, such as:
- mortgages: if you have a poor credit history, you have no chance of being accepted. You better anticipate and start working on improving your credit file.
- credit cards: it will impact whether will be accepted and what kind of rates you will be offered
- loans: similar to mortgages and it will also impact the % you will be given
- mobile phones: when getting a contract mobile phone, you will be credit checked. I you are rejected you won't be able to get a contract, hence will have to go for a pay-as-you-go phone

How can you improve your credit rating?

Payday loans and impact on credit score
When applying for a loan, most serious lenders will perform a credit check and/or an affordability check. Lenders have different acceptance criteria and are looking for different profiles. While having a poor credit score is not exactly in your favour, there are some lenders out there looking exactly for such people - waiting to charge them more since the risk is higher.

If you are looking to make yourself as attractive as possible when being credit-checked, below are a few tips to improve your credit rating.
  • Don't be late to repay any credit - ever !
This is the first tip and the most obvious one but the consequences of missing or paying late a credit repayment can be enormous - especially any kind of default in the past 12 months but defaulting a couple of times can be costly for a very long time.

If you are struggling to repay on time, don't wait and contact your lender as soon as you can to find an alternative and reschedule the payment. It will still have a negative impact but not as high as defaulting or even worse...

The easiest way not to miss any payment is to set up everything with direct debit. 

  • Check you credit file every year or before completing an application
While it might not seem like this could lead to a direct improvement, it is actually important to keep an eye on your files held at the 3 major credit agencies (Equifax, Experian, CallCredit). Those files contain huge amount of data and even the smallest mistake in there could kill your rating, hence would make you fail a credit check. If possible verify your file at the 3 agencies.

  • Register to vote to get access to credit
One of the scoring criteria that often comes back is being present (or not) in the electoral roll. Even when this is not considered into the equation, it can delay the decision as lenders also use that information to verify your address and identity.

So if you are not on the electoral roll we strongly advise you to register to vote as soon as possible (prepare your National Insurance number). If you are not present on the list, you are very unlikely to get any kind of credit.

Not eligible to vote?
If you can't register to vote, you can still send a proof of residency to all 3 credit reference agencies.

  • Don't apply wildly everywhere
Any application you send leaves a footprint on your credit file for a year, so apply wisely. You will argue that the only way to know whether you will be approved is actually to apply. Yes and no.

Indeed, there are some free eligibility calculators available but the easiest way is to consult the lender's website that most of the time detail in the FAQ or the How it Works section what are the eligibility criteria. Most of the time you will need to be a UK resident, be employed, have a minimum wage... but again criteria differ from lender to lender.

So if you don't earn the minimum requested, don't burn a card and keep it for a more ''loose'' lender. Too many applications sent in a short period of time can really hurt you and lower your chances of being approved.

  • Grab a credit rebuild card to show you can be responsible with credit
  • Don't withdraw cash with any credit card. Besides being very expensive it shows lenders that you are not good at managing your money.
  • Avoid payday loans. Yes taking out payday loans again show to other credit providers that you can't manage your funds reasonably
  • If you have any credit card that you are not using, why keep it? Cancel it asap since it can be detrimental to your application
  • Decrease your debt level - that's obvious again but lenders can see how big your debt is so lowering it will help

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