**Warning**: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | **Representative APR: 49.9.%** | CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender.
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk

Can I get a Payday Loan with no credit check?

£100 to £5,000 online loans

3 to 36 month terms.

  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
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Representative 49% APR.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


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

Payday Loans without credit checks

Fearful of being declined, many people often look for payday loans with no credit check. However, as has been shown, FCA regulations require all licensed direct lenders operating in the UK to perform a credit check on every single application. Intended to protect people from further financial difficulties by preventing them from taking out loans they cannot afford, these checks also protect the money lenders.

No matter what type of short term loan you are looking for, your application will be subject to a credit check. Whilst this means there are no payday loans in the UK with no credit check, it does not mean that you will be automatically denied simply because of a bad credit score. Instead, lenders will take into consideration various other criteria when assessing your suitability for a loan, in addition to your credit score. This includes details regarding your employment status, monthly outgoings, and whether you are a homeowner or not. Taking into consideration these different factors, all of the lenders on our partner’s panel strive to offer loans to as many people as possible.

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Payday loans wiyth no credit check questions:

Q1 – Can I find a payday loan online with no credit check?
Q2 – Are payday loans for people with bad credit?
Q3 – Will I get a loan with a very bad credit score?
Q4 – Can I get a loan without a guarantor?
Q5 – Will it help me if I do have a guarantor?

Can I find a payday loan online with no credit check?

In the past, applying for a loan was often time-consuming and complicated. Often requiring multiple visits to a bank, the entire process usually became quite frustrating; even if your application was approved, which it often could not be. However, thanks to the internet and modern technology, this is now a thing of the past. The majority of direct lenders we feature now provide their application forms completely online.

You no longer have to visit a branch, nor worry about stressful face-to-face interviews. Providing some simple information, such as your address and employment status, these lenders will quickly process your application and give you a decision almost instantly. Because payday loans are available online, some believe there is no credit check. Whilst this may not be true, what is true is that our online lenders still offer people with bad credit the best opportunity of being approved for a loan. Furthermore, because these loans are available online, you can often get a decision almost instantaneously, regardless of where you are applying from and when.

When applying for a loan through CUJ Loans, our broker partner refer your application to their panel of lenders. They are able to obtain a decision that does not impact your credit file. They do this using “soft search” technology so you can rest assured that we have found you the best deal quickly and with no negative mark against you.

Payday loans can be a useful product for people leading busy lives and who want quick, easy access to emergency funds. As such, whilst we cannot offer access to any no credit check payday loans, we can offer you a fast, streamlined process, from some of the most reputable lenders in the UK, via our partner’s lender panel and the good chance of being approved for a loan if you have bad credit. Specialising in helping people with poor credit scores get access to competitive loans, our broker partner will do their best to match you up with the best lender and help you get the loan you need. As with all loans, we recommend only borrowing what you know you can afford to repay back within the agreed time, as well as refraining from using short-term loans to pay off long-term debts.
Many of the lenders that our partner works with offer loans to customers who may have experienced credit problems in the past. This is because modern money lenders now realise that your credit score is often not a true reflection of your current financial status. Featuring a simple online application process, the majority of lenders have striven to make the entire process as quick and straightforward as possible. Our broker partner will refer your application to their panel of lenders and get an instant decision without impacting your credit score. Offering a wide selection of bad credit loans, the direct lenders help customers every day to find the short term loans that they need, even if they have a very bad credit rating.

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Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

When looking for a loan, we understand that people have lots of different questions, one of the most common is whether it is possible to access payday loans with no credit check or no guarantor. Whilst loans with no credit check are not legal, it is possible to get a loan without the need for a guarantor. Therefore, if you do not have access to a guarantor, or prefer to not have to ask someone to be a guarantor, you can still apply for a short term loan.

Whilst perhaps more difficult to be approved by some lenders, loans that do not require a guarantor are becoming increasingly common. As such, you now have a much better chance of being approved for such a loan than ever before. Of course, some lenders have their own specific requirements, including those that only provide loans to people with a guarantor. To help you avoid these lenders and ensure you can quickly compare and identify the right lender for you, our broker partner will use your information to filter out any unsuitable lenders. Not only does this ensure you don’t waste your time pursuing lenders that have no intention of lending to you, but it also enables you to see what the best deals are; allowing you to make a much more informed decision.

Having a guarantor can make you more appealing to a lender if you have no credit history or have impaired credit. Direct payday lenders generally do not require a guarantor, however, some more specialised lenders may give you the choice to add a guarantor to the loan. This can sometimes bring the cost of the loan down as the guarantor is liable to make the repayments should you not do so.

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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