Do you need a No Credit Check Loan now? No credit check loans are illegal in the UK, but you can try our no credit check alternative. Payday Loans Net are fully authorised by the FCA, and we also accept applications for bad credit. Apply for £200 – £2000 for an instant decision and same day payout.


We all need a helping hand from time to time, especially when it comes to money. Whether you’ve fallen behind on your bills or encountered an unexpected expense doesn’t matter. Sometimes, borrowing a few bucks to overcome those financial difficulties is the only option.


Here you will find answers to the following questions, and more

In many cases, that money can be accessed by applying for a personal loan or remortgaging a property. However, standard banks are often very selective about who they will lend to. So what happens if you fail to hit the criteria?

Loans with No Credit Check


You may be searching for a payday loan no credit check or a short term loan no credit check. What’s the difference? And what about no credit check cash loans?


No credit check loans UK are loans with no credit check or guarantor. This type of loan is very appealing for people with low credit scores. In its most basic form, a no credit check line of credit is no different from any other personal loan. You’ll be borrowing a set amount of money from no credit check lenders before making monthly repayment charges to cover those costs plus an interest rate.


Searching for no credit loans? Please read.
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No Credit Check Loans
They may sound tempting, but payday loans no credit check are actually illegal in the UK. However, Paydayloansnet.co.uk do offer bad credit payday loans and you may be eligible for a quick pay day loan. Apply today and find out!
Payday Loans Net offer responsible short term loans to suit a wide variety of needs. We do carry out credit checks on all loan applications to ensure that our loans are right for you – we have your best interests at heart.
Paydayloansnet.co.uk offer fast cash loans online with an instant decision. We take the time to do a credit check to ensure your safety, but even so, our fast loan decision takes only 45 seconds! Apply now with a trusted direct lender.


How much can I get with PDNET?


Our short term loans are available for any amount between £200 and £2000. You can choose whether to repay the loan over any length of time between 1 to 6 months. The advantage of taking a loan over a longer term is that your payments are less, and therefore much more affordable. This can help you to manage your budget better.

How can I get no credit check payday loans?


When it comes to actually applying for no credit check loans online, you might come across some difficulty. Most standard bank lending will require background checks to see what deals they can offer. Unfortunately, if your credit history doesn’t look good, it will either result in limited options or complete exclusion. Additionally, in the UK any type of no credit check short term loan is illegal. On the other hand, applying for a bad credit loan with Payday Loans Net is straightforward and easy. All it requires is for you to fill out our quick online application form. Leave the rest to us.


How quickly can I get a no credit check loan alternative with PDNET?


Our alternatives to no credit check loans are easy and quick to obtain. We understand that if you are taking a payday loan, you probably have an urgent expense to cover. Thats why our loans are so quick. Once you send off your application form, you will receive an instant decision, stating whether the loan has been approved. Once approved, you can receive your money on the very same day. Apply now for a quick and easy online experience.

Are no credit check personal loans available in the UK?


It is an FCA requirement for all short term lenders in the UK to check your credit report before they lend to you. So if you do find a no credit check direct lender who is willing to lend to you without checking your credit report, they are probably an illegal lender. But it goes further than that. Because they are dealing with potentially risky customers, many no credit check loans direct lender in this field work with very steep interest rates. But the longer terms involved make them even more dangerous, especially since no credit check loans are accessible online.

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What is the advantage of no credit check installment loans?


Like any instalment loan from a direct lender, an instalment loan will spread the cost over a longer period. But as usual, if you use a loan with no credit check and monthly payments, meaning that the duration of your no credit check loan is longer, you will pay more interest overall. No credit check loans are dangerous and should not be used. Instead, borrow from a responsible lender that carries out the necessary checks.


No Credit Check


First and foremost, the no credit check loan says that it is designed for people that have bad credit. If standard personal loans aren’t available, this type of borrowing offers the support needed to get your finances back on track. Better still, you’ll be doing it without facing the repercussions looming over your current debts.

No credit check online loans offer plenty of other selling points too. Due to the lack of scrutiny involved during the application, these loans are often the quickest route to cash. In fact, many applicants find that those additional funds are sitting in their accounts within the hour. So if you’re in desperate need of money in an emergency, this can be an attractive prospect. Meanwhile, the fact that no credit loans start with a small minimum value can appeal too.

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Can I get bad credit loans online with PDNET?


Payday Loans Net are open to applications with all credit scores, and it’s free to apply. While no credit check unsecured loans are illegal in the UK, bad credit loans are a legal product, as long as the lender performs the necessary credit checks. If you find lenders offering ‘no credit check loans near me’, this should set alarm bells ringing because anyone offering this option is breaking the law. If they’re doing that so openly, then how can you ever expect your funds to be safe?


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No credit check loans are volatile even in countries where they can be gained. They aren’t the only type of loan to come under intense criticisms, but their dangers are greater than most. Not least because there is seemingly no limit to the damage that can be caused.

Without those precautions regarding affordability, individuals can open up a mountain of debt. Creditors of this ilk don’t care that you can’t make the payments on time. As well as the extortionate interest, you can become victim to taking out several loans to avoid those short-term problems. In turn, though, that immediate safety will come at the expense of long-term security when dealing with no credit check instant loans.


Victims of irresponsible lending can face huge consequences. Creditors can use very aggressive debt collection tactics. These can include forced bank withdrawals and home repossessions. As such, it’s not only the individual at threat but also their families. In some situations, those repercussions can lead to bankruptcy – even if the original debt wasn’t overly significant. You may regret choosing no credit check unsecured loans nz.

For UK citizens, their illegal status means that they offer no protection should a problem surface too. Of course, potential dangers surround all types of lending, particularly if you don’t make timely repayments. However, by their very nature, loans that don’t require credit checks leave individuals more vulnerable than ever.


Payday Loans Worldwide

According to statistics in America, where it is still legal in many states, up to four in five people will resort to taking out further loans also. As a serial borrower, those threats are amplified to an ever greater level. Quite simply, the only solution is to steer clear altogether – particularly in the UK. Although 3 month payday loans no credit check sounds amazing, 300 loan no credit check is not worth the risk.

Why Are No Credit Check Loans Illegal In The UK?

Essentially, lending money without the suitable credit checks was made illegal for the sake of the consumer. That might be why there are no credit check payday loans near me. In many ways, these lenders could be seen as legalised loan sharks, which is why it’s better to have them banned altogether. Even if some individuals could potentially benefit from having this route available, and being able to have cash in 1 hour no credit checks.


Laws over lending have become tighter throughout the short-term loan sector in recent times. The growth of online lending makes borrowing money far more accessible. In turn, this left vulnerable people in an even worse position. Pressure from Compass to end legal loan sharking helped kickstart those movements.

Further payday loan restrictions enforced by the FCA since 2015 have provided greater security. APR limits now prevent individuals from falling into the cycle of mounting interest debts.


Criminalising no credit check options protects consumers from borrowing money they cannot return. In turn, this creates a healthier landscape for honest creditors also. They may be businesses looking to make profits, but they still have a moral responsibility only to accept suitable customers. Apart from anything else, it reduces the threat of defaulted payments.

No credit check payday loans online

Some short-term lenders may market themselves as allowing applicants to access money without the need for a credit check. No credit check loan lenders. However, unless they are acting illegally, your history will be analysed. But rather than being reviewed directly by the no credit check direct lender, an outside company will be used.

Why should I trust Payday Loans Net?


Payday Loans Net is a moral direct lender, and we are fully authorised by the FCA. As part of our responsibility to ensure that our borrowers are borrowing responsibly, we do not offer no credit check loans. We aim to help our consumers to stay on top of their finances by providing a regularly updated blog with informative articles with money news and tips. We also offer early repayment schemes, where the borrower can repay their loan early, and save on costs. Let Payday Loans Net help you too.


In truth, it’s likely to be a very soft search while the requirements will be minimal. Nonetheless, a check is being carried out, which essentially makes them no different to other lenders. If your proposed plan is designed to be cleared in less than 31 days, it’s essentially a payday loan. If it’s longer, it’s essentially a short-term loan with looser criteria. Consequently, though, you will be paying more interest in the long run.

Creditors may present themselves in a slightly misleading manner. However, they all share that responsibility to check a consumer’s ability to meet the repayments. Not only for legal reasons but also to protect their own business interests.

Easy Payday Loans


Reading the terms and conditions is essential for any major financial decision, and this one should be no different. Within those documents, you should find the necessary data regarding who will be checking your credit – and how.

Need a quick online loan?
Apply now to get money fast.


By now, you should have ruled out the no credit check online payday loan altogether. Firstly, they simply aren’t the best option available. Secondly, any deal that you do find either isn’t as it may seem or, worse still, is illegal. But that shouldn’t rule out your hopes of accessing the funds needed to overcome those temporary issues through another method.

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Bad Credit No Credit Check Loan

The fact you were considering this option in the first place suggests that you haven’t got the credit to apply for bank loans with strict criteria. However, you never know what might be available. Credit report agencies won’t only allow you to know where you stand, but they may be able to suggest certain products that may still be open.


A far more common solution, however, is to take a standard payday loan rather than a no credit check payday loans direct lender. Of course, these can still come with dangers, especially if you don’t meet the repayment terms. However, the fact that short term loan lenders will be conducting analysis means that you’ll only be accepted if you are deemed a suitable candidate. Moreover, with those tighter regulations in place, it’s a far more acceptable form of lending than ever before. Just don’t get caught in the cycle of using one payday loan to pay off another.

Of course, there are other options such as relinquishing assets or borrowing from a friend or relative. These avenues need careful consideration but can be your safety net during a time of financial hardship.

Whatever option you take, though, no credit check direct lender loans are not an option. Borrowing no credit check loans is unsafe and should never be considered as a valid form of credit.

FAQ’s about No Credit Check Loans


Does PDNET offer payday loans with no credit check from a direct lender?

No, Payday Loans Net does not provide loans from new payday lenders with no credit check. As an FCA regulated company, (and a proud one at that), we perform a credit check for all our borrowers. Based on our credit check, we see if the borrower is likely to be able to repay his loan. Still, don’t be put off. Even though we don’t provide payday loans in the UK with no credit check, we accept all applications for bad credit, and you will receive an instant decision telling you if your loan application was approved. Get your alternative to instant payday loans with no credit check from direct lenders today.

Why do FCA regulated lenders not offer no credit check loans in the UK?

The FCA state that a lender is required “to make a reasonable assessment of creditworthiness on the basis of sufficient information, obtained from the borrower”. This asserts that a lender who approves loans without a credit check, is, in fact, disobeying the rules that the FCA have set out. Being that the FCA is the governing financial body in the UK, if a lender provides bad credit loans with no credit check, they are conducting illegal behaviour. In turn, a borrower must be aware that they must not borrow from a lender who offers no credit check loans.

Why are bad credit payday loans from direct lenders with no credit check illegal?

No credit check loans for people with bad credit are not legal in the UK. The FCA were concerned that borrowers who require no credit check loans for people with bad credit, and bad credit loans with no guarantor and no credit check, are likely to not be in a position where they can borrow responsibly. If a borrower takes out bad credit loans with no credit check from a direct lender, with no plan of repaying on time, this will only help the borrower to fall into debt. To prevent this, the FCA forbade bad credit loans with an instant decision with no credit check.

What is the best alternative for short term loans with no credit check in the UK?

As we mentioned previously, short term loans with no credit check in the UK are illegal, and you will not find legal short term loan lenders with no credit check. The best alternative, therefore, would be to apply for payday loans with a lender who accepts applications for bad credit loans too. This way, you will not be taking a 3 month loan with no credit check, but simply a 3 month loan for bad credit! Payday Loans Net don’t offer short loans with no credit check from a direct lender, but we do accept applications for bad credit. Give us a go, and we’ll be happy to help.



What can I get instead of no credit check loans?

No credit check loans may be enticing if you have a low credit score, or if you simply don’t want to mark your credit file with a payday loan. Still, its not worth your while. The type of people who offer no credit check loans are usually less than desirable. If you simply require a loan for bad credit, your other option is to find a lender who offers bad credit loans. Payday Loans Net are open to all credit scores, and there is no fee for applying. We are a moral direct lender, regulated by the FCA. Our loans range from £200 – £2000 and if approved you can have your money on the same day. Simply apply online for an instant decision.

Written by: Kelly R
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