No Credit Check Payday Loans
Apply for your no credit check payday loan today. Get an instant decision with no fees and no credit checks.^
Representative 79.5% APR. Warning: Late repayment can cause serious money problems. For help, please go to Moneyhelper
We are an authorised credit broker and not a lender.
Representative 79.5% APR
Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
Lendability is a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
No Credit Check Payday Loans from Lendability
Do no credit check payday loans exist? No, they do not. Whilst we offer a no credit check service, it’s important to remember this is just the first stage of the loan process – if a lender considers you suitable to lend to and you wish to apply fully with them, they will always run a full credit check.
Applying for a loan with Lendability will not harm your credit score because we only perform a soft search of your credit profile and this is what lenders consider in the first instance – it’s a snapshot of your financial history and it gives them an idea as to whether they would lend to you or not and they return this decision to us.
If a lender says yes then you are sent to the lenders website to review your loan terms and costs and if you are happy with this and wish to proceed, the lender will perform a full credit check.
If you come across a loan offer and they are still saying there are no credit checks then it’s likely either a rogue lender or a broker and you should proceed with caution.
If you are unsure if a lender is legitimate you can always verify them on the FCA’s website – you can search the register here.
How it works
We have worked hard to make the loan application process as simple as possible to ensure you get your loan when you need it.
APPLY ONLINE
This application is 100% safe and secure, your data is encrypted. Applying with Lendability will not affect your credit score.^
CHECK OFFERS
Wait for your loan results and check the loan terms and conditions. You must ensure it is affordable before accepting any offer.
GET FUNDS
Once you have signed your loan documents and the lender has made their final checks, your loan will be sent to your bank account.
No Credit Check Payday Loans
Are no credit check payday loans real?
You cannot complete a loan and receive the funds without having a credit check. The service we offer is a loan matching service where we find you real loan offers with no credit checks, but the final loan decision from the lender will be subject to a credit check.
What is a soft search?
A soft search of your credit report returns basic information about your financial history, it is not visible to lenders and has no effect on your credit score.
What is a full credit search?
When a lender needs to make a lending decision, they will perform a full credit check. This is a registered search of your full credit history and it will be visible to other lenders and companies that search your report. Having a lot of full searches on your credit report in a short time may harm your credit score.
Can I get a loan with no credit checks at all?
No, not from a regulated lender you cannot.
Ready to apply for a loan?
Guides & Articles
Take a look at a selection of our most popular guides and articles about personal finance and the loans that we offer.
^Lendability will not perform a credit check, lenders may complete a soft check when considering your application for a loan. If you accept a loan offer, the lender will perform a hard search which may be recorded on your credit report. Not all lenders are able to make same day payments and this may also depend on your bank.
Lendability does not charge its customers for using its credit broking services but we may receive a commission from lenders or other brokers if a customer accepts any credit related offer or enters a credit agreement through this website.
Lendability is a trading name of Warwick Financial Services Limited, a company registered in England and Wales with company number 09011092. Registered office: 4th Floor, 18 St Cross Street, London, EC1N 8UN. FCA Licence number 622839. ICO registration number ZA101793.