Looking for no credit check loans? Payday Loans Net offers an excellent and safe alternative to payday loans with no credit check. With an exceptionally high acceptance rate, we are the number one choice for applicants with bad credit. Apply today for up to £1,000 and receive an instant decision. If approved, money can be in your account in just 1 hour!


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What Are No Credit Check Loans?


No credit check loans from direct lenders in the UK are a form of loan where no search on your credit file is undertaken before you are funded with the money you have applied for. No credit check loans can be for a small or large amount of money, spanning over a short term or long term period. Online loans with no credit check are defined by the fact that your credit report remains unopened. Many individuals who either have poor credit, due to their financial history, or a thin credit files, due to a lack of spending experience, search online for payday loans in the UK with no credit check. This is due to the fact that the believe they are more likely to be approved, with applicants often searching for no credit check loans, with no guarantors.

The risks involved with trying to get a loan with no credit check should be addressed. If you are able to find no credit check loans, the direct lender isn’t checking if you can afford the loan. This can make borrowing much riskier, as you may not be able to make the specified repayments, and face penalties as a consequence.

No Credit Check Loans: What is a Credit Check?


A credit check is an important element involved with borrowing money in the UK. A credit check is when a lender reviews your credit profile which has information about your current financial situation and how you’ve used credit in the past. Lenders perform a credit check online to assess whether you have handled credit responsibly before and how likely you are to pay back credit on time. This helps the lender decide how risky it would be to lend money to you, which influences if you will be approved for a loan and the interest rates that you will get charged.


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Can I Get Payday Loans with No Credit Check?


Yes, it is possible to get a loan with no credit check. There are several no credit check loans direct lenders on the market who advertise payday loans with no credit check. However, if these lenders truly are FCA authorised, what they are really offering are soft search loans, rather than online loans with no credit check.

Soft check loan inquiries do not impact your credit report or credit score, and other lenders can’t see the inquiry. However, lenders who offer soft search loans usually use this as a preliminary way to check if you would qualify for a loan with them or not. If you want to accept their loan offer, they will perform a hard search on your credit file before funding you the money.

Are Payday Loans from a Direct Lender with No Credit Check Legal in the UK?


Absolutely not. A payday loans direct lender with no credit check in the UK is illegal, are not regulated by the FCA, and are both illegal and unsafe. Credit checks assist with responsible lending, so no credit check loans can be an extremely dangerous route to go down. Many individuals think that a loan today with no credit check is the easier, more accessible and quicker option, but be warned, these can severely damage your finances. Brokers and no credit check loans direct lenders may seem convenient, but they do not have your best interests in mind. For your safety, you should always choose an FCA-regulated lender when you need to borrow money.

No Credit Check Loan from Direct Lenders In The UK: The Alternatives


Payday loans with no credit check are not just illegal, they are incredibly unsafe. If you have any concerns about your credit rating, online loans with no credit check are not the answer. There are numerous other options for individuals with low credit scores. At Payday Loans Net, we specialise in helping people with poor credit scores in obtaining the funds that they need. With some of the highest acceptance rates on the market, we can provide a loan option for you, so you don’t have to take the risk of using an illicit lender and get a loan with no credit check.

So you can access money quickly, we’ve listed some alternatives to no credit check loans from direct lenders in the UK below:

  • Bad credit loans – These are designed specifically for applicants with low credit scores. PDNET’s loans for bad credit have very high acceptance rates and are easily accessible from any online device in the UK.

  • Short term loans – When you are borrowing money for a short period of time, there is less of a risk for the lender, and there is often a higher chance of acceptance, even if you have poor credit.

  • Guarantor loans– Once you have someone to act as a guarantor for your loan, there is a backup plan if you cannot manage repayments. We do not offer guarantor loans here at Payday Loans Net, but this is an option. This can make lending you money less of a risk for lenders and can increase your chances of acceptance.

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Bad Credit Loans: No Credit Check Loans With No Guarantors


At Payday Loans Net, all loans we offer are unsecured. This means you will never need a guarantor to co-sign on a loan. As a safe, law-abiding lender, we do not offer payday loans in the UK with no credit check. We perform credit checks for your security, as well as our own!

This is because we need to make sure that when you borrow credit from us, it will not damage your financial stability. Getting loans today with no credit check is not a viable option, however, we do not fixate on your financial history, looking at your overall financial picture and current affordability. This way, we can easily assess if our loans are right for you and won’t cause you any financial damage.

Even if you have bad credit, you don’t need to look for no credit check loans with no guarantors. Payday Loans Net is a fully authorised direct lender with high acceptance rates, so there is no needs to search for no credit check direct lenders.

Why You Shouldn’t Get A Loan With No Credit Check


As many individuals search for no credit check loans from direct lenders in the UK, it is possible that these organisation are there to take advantage of you in your time of need. When you need cash quickly, brokers may well utilise upon the fact that you want cash fast, rushing you into a contract that could be highly damaging.

You might think that payday loans with no credit check will save you time, as you can skip the paperwork and affordability assessments in order to get money quickly. In the long run, the opposite will occur if you get a loan today with no credit check.

Online loans with no credit check are illegal in the UK and lenders offering these products are unsafe, often operating in a predatory manner. These organisation do not have your best interest in mind. Although they may not ask for much information from you up front, this is not a quick win. No one regulates no credit check direct loan lenders, so the interest rates can be sky high. If you struggle to repay no credit check loans in the UK, it is not uncommon for illegal lenders such as these to threaten, abuse and incite fear into those who lend from them. They may even threaten to harm you or your loved ones if you are unable to pay, which is the absolute opposite of the flexible approach a legally operating lenders abides by.

Authorised lenders like Payday Loans Net offer same day funding at no extra cost with a quick affordability check to make sure our loans are the right fit for you. You can get the money funded into your account within the hour and rest assured that you are dealing with a safe and authorised lender. Apply now and receive an instant lending decision!

Avoiding No Credit Check Loans: Beware of Loan Sharks Online


When applying for loans online, it’s essential to make sure you’re dealing with a safe and authorised lender. You may have heard the term “Loan Sharks” in the past, but these are individuals that you want to avoid at all cost. These crooked lenders sugar coat negatives of taking out no credit check loans, before preying on their unsuspecting victims. By preying on the desperate, they often end up getting large amount of money from those who need it most.

There are many loan sharks online who might offer a loans today with no credit check or “payday loans no questions asked”. These offers can sound very appealing, especially if you have very bad credit and are desperate for a loan. Nevertheless, avoid the immediate temptation. As unregulated lending bodies, they can be very dangerous.

Known for their notorious intimidation tactics, the money received for no credit check loans becomes nothing in comparison to what you will have to pay back.

Loan Shark debt collection practices and will not be flexible if you are struggling financially. Learn to spot and avoid Loan Shark no credit check loans online with these tips:

  • FCA License Number – Always look for an FCA permission license number on the website. Double check the license number on the FCA register. Loan sharks and other scammers often use fake license numbers or license numbers of other companies to appear legitimate. Make sure that the license number matches the company name and other details.
  • A Secure Website – look for the padlock symbol next to the website URL
  • A working phone number with helpful customer service – any lender that you are considering applying with should be easy to contact and willing to answer any questions you might have about their loans. If they evade your questions or give vague, unclear answers and pressure you to apply for a loan, stay away!

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No Credit Check Loans In The UK FAQ’s


Where Can I Get No Credit Check Loans?

Although it is entirely possible to find no credit check loans in the UK, this is not a good idea. With steep interest rates, payday loans from no credit check loans direct lenders in the UK are unsafe as they do not perform comprehensive credit and affordability assessments. Luckily, you can find safe alternatives with excellent approval rates here at Payday Loans Net. Submit your application now and get a decision in just 90 seconds!

I Need An Online Loan With No Credit Check. Can Payday Loans Net Help?

option. Payday Loans Net offers great alternatives to cash loans with no credit check that are safe, fast, and have high approval rates for people with all types of credit. We specialise in helping people with poor credit get the instant cash injections they need in a safe and secure way.

Can I Get a £100 Loan With No Credit Check From Payday Loans Net?

Payday Loans Net is an FCA authorised lender, so we don’t offer £100 payday loans with no credit check. We have several great alternatives designed for people with poor credit that have very high acceptance rates! We offer loans from £300 because we want our customers to have the amount they really need from the start, so they don’t have to borrow again and again. There are no early repayment fees so you can pay back money early and save on interest.

What are guaranteed loans with no credit check?

Guaranteed loans with no credit check are loans which a lender guarantees they will approve you for without checking your credit file. These products may sound good as you won’t have to go through an approval process, but they are illegal and unsafe. Loan sharks may advertise guaranteed payday loans from direct lenders with no credit check, but they often charge exorbitant interest rates. Furthermore, they will not check if you can afford such a costly loan, and they will demand repayments on time even if you are experiencing financial difficulties. Guaranteed payday loans with no credit check are not recommended.

Which loans are easy to get approved for?

If you have bad credit you might be worried that it will be hard to get approved for credit when you need it. Don’t worry. Payday Loans Net’s bad credit loans are designed for people with poor credit and have excellent approval rates. We emphasize affordability over your credit score, so we’ll take your entire financial picture into account when reviewing your application. Our simple application form takes just a couple minutes to fill out. Apply now and if approved, you’ll receive the money in your account in just 1 hour!

Can I get credit builder loans with no credit check?

Loans with no credit check are not legal and will not help you build your credit score. A better option would be to borrow a small loan from an FCA authorised lender like PDNET and make repayments on time (or early at no extra cost!) Using credit responsibly helps build your credit file and shows lenders that you are creditworthy.

Payday Loans with No Credit Check


As part of the payday loan process, FCA authorised and regulated lenders check the applicant’s credit file and assess how they have managed finances in the past. New payday lenders like Payday Loans Net use more than one credit reference agency to increase your chance of approval. Be aware that even if lenders offer payday loans with no credit check, all regulated lenders carry out checks to see if you can afford to borrow money. Unregulated lenders will not be on the financial services register and you shouldn’t trust them with your bank account details.

Representative example

Total amount of credit: £500
Duration of the agreement: 4 months
Repayment total: £863.24
Interest is fixed at rate of 270.10% per year – 0.8% interest per day | Representative 997% APR
£215.81
Instalment 1
£215.81
Instalment 2 & 3
£215.81
Instalment 4