No CREDIT CHECKS
Just
AFFORDABILITY CHECKS
Your current finances are more important than your previous ones. In our experience, Credit Checks aren't the best way to assess applicants
Being refused credit because of past mistakes can be disappointing but not loan sites are the same. Did you know the FCA do NOT insist that credit checks are performed? They do insist that affordability checks are completed and there is a big difference.
Borrow Up To £3000 With Zero Credit Checks
Credit checks are a look into the past, we want to look towards your current circumstances. If we looked at people's cirumstances 5 years ago, we'd be lending to people we shouldn't be and not lending to those that we should - which would you be?
Responsible Lending
Although we don't do credit checks, we do affordability checks to make sure your income exceeds your outgoings.
Who Decides
This site makes the decision about your application. Applying is FREE so we only make money if we lend to you.
Don't Be Fooled By Our Name
We will not lend to people who we think can't make repayments, nobody gains from that. Please be responsible with your application.
Refused Credit? We Are Different
Applying For A Loan
Our application form can be completed in as little as 100 seconds. Very simple and no paperwork.
Getting Your Money
If your loan request is accepted, we will aim to send your money within 15 minutes. There is no paperwork to send.
Making The Decision
We look at your incomings and outgoings then make a decision based on your CURRENT circumstances. This takes about 1 minute to complete.
If We Can't Accept You?
Don't worry, we have other lenders on our system that can also check for you - if you want them to check it. No need to fill in your details again.
What Credit Checks Don't Do
Indicate Your Current Status
Credit checkers are a look into your past. Viewing someone's short term financial past isn't a bad thing but lenders don't need to see 6 years of history in order to grant a loan for 6 months.
Tell Us The Economy
Most people that default on a loan do so because of factors that they cannot control. No amount of credit checks are going to tell a lender if you are going to be made redundant in the coming months.
Stop Fraud
We no longer solely use credit checks to alert us to fraudulent applications. There are now better ways available to highlight identity theft. Most lenders will still use these checks as anti fraud measures.
Tell Us You Are About To Start Work
Some people will have missed payments due to being out of work. These people are just about to start back at work and need help through until their first wage comes through. No Credit Check will tell us that.
We Decide Who We Lend To - Not Others
A lot of lenders say that they are not allowed to lend to people because of regulations.
We don't always agree with that, whilst regulators are interfering more and more in our industry. Some lenders use them as a convienient excuses not to lend, when they just don't want to lend.
We promise that we will give you a straight decision, directly from us using our own decision making engine.
We don't always agree with that, whilst regulators are interfering more and more in our industry. Some lenders use them as a convienient excuses not to lend, when they just don't want to lend.
We promise that we will give you a straight decision, directly from us using our own decision making engine.
What Previous Customers Say
Our Loans
We have a number of different loans available without Credit Checks
Here are our 3 main loan types.
UNSECURED BASIC
46.2% APR
- No Paperwork
- Instant Decision
- Fast Payout
- Acceptance Rate - 75.6%
UNSECURED PRIME
18.2% APR
- No Paperwork
- Instant Decision
- Fast Payout
- Acceptance Rate 40%
CAR LOAN
15.8% APR
- No Credit Check Car Loans
- Instant Decision
- Secured On The Car
- Acceptance Rate 84%