No credit check loans alternative

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Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45 , 4 monthly repayments of £224.60 , last monthly repayment of £112.20. Total repayment of £1,179.05. Interest Rate p.a. (fixed) 185.39%. Representative APR 611.74%.

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

Payday Bad Credit aims to help customers looking for a safe alternative to payday loans with no credit checks to borrow up to £1,500 repaid over 3 to 9 months. Whilst borrowers in the UK regularly search for payday loans without credit checks, this is not a common product. Since the loan is unsecured, direct lenders must carry out a number of sufficient checks. This is to ensure customer can repay without falling into financial difficulty. Such checks involve carrying out a creditworthiness check and affordability check to ensure suitability.

At Payday Bad Credit, we allow customers to borrow up to £1,500 repaid over a 3 to 9 months. We allow people to spread repayments and repay early if they have the means to do so. Our online application only takes 5 minutes to complete. You will be asked a series of basic questions such as name, age, address, income and bank details, so we know where to send funds.

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There are no fees for applying and if successful, funds are transferred to your bank account within 15 minutes to an hour. We are a direct lender but should your loan be unsuccessful, you can activate our free brokerage service to find another lender who may be able to approve the loan.


Key Features From Payday Bad Credit

  • No fees
  • No guarantors
  • Direct lender
  • Applicants must be over 18 and UK resident
  • Applicants must be employed and able to afford repayments

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Why Would You Want a Payday Loan No Credit Check?

Borrowers may search for payday loans no credit checks if they feel that they have bad credit. As a result, those with bad credit may be declined. Thus, many believe avoiding all credit checks may result in a better chance of approval of any loan.

Customers may still want payday loans, commonly used for emergency purposes such as car repairs, pressing bills or home emergencies. The idea is to borrow money upfront in one lump sum and receive funds to your bank account within a few hours. You can then pay for expenses immediately, providing some breathing space. Then, you can repay your loan on your next payday, on a scheduled repayment date that you choose in the month.

Whilst there are over 1 million payday loans funded per year in the UK, the industry is regulated by the Financial Conduct Authority. Lenders must carry out sufficient checks. This is to ensure that customers can afford to repay their loans without falling into arrears or financial difficulty. Whilst you may be looking for payday loans no credit checks, this is unlikely to be offered by most UK payday lenders.

As a result, you may be offered alternative products if you have bad credit, including a guarantor or adding more security to your loan. Some customers do not like being passed onto other companies, or  ‘brokers.’ Hence, they may type in payday loans no credit check no brokers.

payday-loans-no-credit-checkWhat Alternatives to Payday Loans No Credit Checks Are Available?

There are many alternatives to payday loans in the UK. These include guarantor loans, second charge secured and unsecured loans, logbook loans and various others. Many lenders also package and sell loans with no credit checks as something else, although they are one and the same. When applying for no credit check loans, if you are looking for alternatives your main options are:

Guarantor Loans

Adding a guarantor to your loan application is one of the most effective ways to access a short term loan for bad credit. The idea is that you have a guarantor, which is someone you know, to co-sign your loan agreement who agrees to cover repayments if you default. This is typically a close family member or friend who can help you get the finances you need to get back on track. This person must have a good credit rating and ideally homeowner status. This adds a lot of credibility to your application that your loan payments will be covered eventually.

Customers can borrow £1,000 upwards, which is very close to a payday loans alternative and you can typically receive funds on the same day too. Make sure that you choose a guarantor who you trust and has a good credit score – since the probability of approval will depend heavily on this.

Second Charge Loans

This is also known as secured loans. Instead of basing the success of your application on your credit score, you are using something valuable you own as security. If you have equity in a flat or home, you can get your loan secured against it, allowing you to extract value from your valuable asset. It is known as second charge because it becomes the second thing charged every month after your mortgage. The risk is that if you cannot keep up with repayments, the lender has a right to repossess your property in order to cover their loan sum. This is typically for borrowing much larger amounts.

Secured loans also come in the form of art, jewellery or anything valuable that you own. You may have to speak to the lender directly about its value and how much they will lender against it.

Logbook Loans

If you own a car, bike or van, you can borrow money secured against your vehicle. You have to show the lender a copy of your logbook, which shows that you are the owner or registered keeper of your vehicle. Funds can be made available very quickly and are also typically used for emergencies and other lifestyle purposes. Again, if you cannot keep up with repayments long term, the lender has the right to repossess your vehicle.

Improve Your Credit Score

If you are worried about being declined for payday loans, you can look at improving your credit score. This means that you have a greater chance of being approved for unsecured loans, like payday loans, and other financial products too.

Start by getting your free credit report copy offered by Experian, Equifax, Noddle and Call Credit. They will give you suggestions and ways to improve your credit rating which could include joining the electoral roll, closing any store cards, unused credit cards and slowly paying off other debt you may have from credit cards and loans. Read our guide on 7 ways to improve your credit score.


Your credit score can always change and improve and Payday Bad Credit is very passionate about helping people improve their credit status and get their finances on track.

If you apply with Payday Bad Credit today, you have peace of mind that there are no upfront fees, and we will not pass on your data without your permission. If you are not approved, with your consent, we can try find another lender that is better suited to your requirements. To start, simply click apply now below:

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Representative example:

Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment of £1,179.05. Interest Rate p.a. (fixed) 185.39%, RAPR 611.74%. Our APR includes all applicable fees. Daily interest is capped at 0.798%.

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority.
FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply.

Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Payday Bad Credit responsible lending policy. Loan limit maximum of £1,500.

In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.

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