No Credit Checks! Are We Serious? Yes, Plus No Upfront Fees and No Guarantor Find Out More

  • No Credit Checks

    No Credit Checks

    We perform Affordability checks, not credit checks. Your current finances are more important than your previous ones. In our experience, Credit Checks aren't the best way to assess applicants
    Apply Online

No Checks With Instant Decision

  • Free To Apply
  • No Upfront Fees
  • No Guarantor
  • No Credit Checks
  • No Forms
  • Direct To Your Bank
  • £3000 Maximum
  • Unsecured
  • Instant Decision


Credit Checks Are A Thing Of The Past

Over the last few years, lenders have moved over to affordability checks. They are different from credit checks because they focus more on your current incomings and outgoings each month. Standard checks will look at your credit history from as long ago as 6 years. How can judging your finances from 6 years ago, possibly make sense when assessing your ability to make repayments.

What Do We Check?

Now obviously loans can't be approved for everyone that applies. There are some checks that we need to make, the two biggest checks are affordability checks and ID checks. We need to make sure that you have an income, and that income is larger than your bills each month. This doesn't involve paperwork. We also need to check that the application is being made by you. We won't go into detail but we are very good and fast at spotting loan applications that don't seem quite right.

No Credit Check Fast Loans

All our loans will be paid out quickly. No matter which loan you choose, it will be completed in the same day. We want to make it as Easy as possible, that means no tough questions. All you need is your account number for the loan to be deposited into.

 Deal Direct with us and we'll provide everything from start to finish.  


We've made our application form super easy to complete, just 23 Questions
Apply Online


Once the site has performed affordability checks, you will have an immediate decision.
Affordability Checks?

Getting Paid

Assuming we agree that you can afford repayments, money will be sent within 30 minutes.
Getting Paid