Borrow from £100 to £25,000

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N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

Unsecured Loans No Credit Check

Is there such a thing can you actually get a Unsecured Loans and not ever have to have a credit check this is a question I’m asked on a regular occasion mainly from people that worry that the credit score isn’t high enough to get themselves a loan. I think about this logically from the lender’s point of view why do they credit check payday loan companies often dont what they credit check to establish what kind of risk they’re looking to take on that customer so should they credit check Mr a customer has a hundred at the hundred credit score he is a very minimal risk Mr B has a credit score 10 obviously he is a high risk to them most lenders operate this way.

Now obviously makes sense for lenders to credit check to understand if you have bad credit they don’t just want to throw away their money and for the sake of the country if every lender didn’t credit check I just gave money willy-nilly the country would be in a continual recession. So for these reasons people should expect to be credit checked and should expect to have to pay the rates that they credit worthiness defines. I do agree with a lot of people when they say why should they pay the same somebody has never paid their credit they should be rewards they should get a better rate and asked that the heart works.

Each lender will look your application individually so possible they will check your credit score again to address oil the voters roll how much you earn what risk do you raise to them are they likely to get the money back if they feel they’re not likely to get the money back policy your application will be declined and that is defined by your credit score these days should your credit score be 400 and you need to have a critical 500 to be able to get a loan with HSBC for example they then decline your application straightaway.

This doesn’t mean that because your application has been the kind of one lender that you have no options there are hundreds of lenders these days that all have different criteria to which they make their decisions on. There are quite a few lenders these days are happy to accept a lower credit score if you can prove that comfortably payback the monthly instalment each month, one thing you probably will notice is that your APR or interest rate will be a little bit higher than someone that has a spotless credit file.

There are a few lenders that have come into the market over the last few years known as payday loan lenders these lenders have been known to give out money without performing a credit check on who they give the money to and this comes with its own risks so this is reflected in the amount of money and the interest rate that your customer will pay. These loans I would suggest to everyone reading this that you avoid these or costs as they are known to roll on month after month with the interest building taking a loan of £500 and the up owing £5000 because the interest rate can be as high as 500% a month this is something we feel very strongly about and suggest you don’t look at payday loans as an option.