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

Most FAQ's

Do you really not perform credit checks?

That is 100% true yes, we do not perform credit checks. We perform ID Checks and Affordability checks. These are not credit checks, it does not look at your history from 6 years ago. It focuses on the here and now, what you are earning against what you are spending. If you can afford to make repayments on a loan now, and we can verify who you are then you will receive a loan. 

To see what we check, click here

Will I be Accepted?

We are totally upfront and the honest answer is that we do not know at this point. We get a lot of fraudulent applications for credit. For some reason individuals think that No Credit Check Loans means that we just give money away to anyone that asks. This is not correct. Just because we don't look at your credit history in the same way that other lenders do, doesn't mean that we don't do checks. 

We check that you can afford the loan repayments. On your application form, you need to be truthful about what you earn each month and what you pay out.

We also need to make sure that you are who you claim to be and you live at the address you claim to. 

You Cold Called Me And Asked For Upfront Payment

No that is false, we never call anyone. It is almost certain that you have been called by a foreign call centre who claim to be calling on behalf of lenders here in the UK. One day they claim to be calling on behalf of Wonga, Quick Quid, Quick Loans, Easy Loans and the list goes on.

For the avoidance of doubt, we don't call anyone and we don't charge fees. NEVER pay anyone money upfront for a loan, regardless of what they tell you the reason is. Sometimes they say that you need to pay them so you don't have to have a guarantor, next time it will be for insurance. Whatever the reason, just put the phone down on anyone that cold calls you.

What is the APR?

The rates and charges depend on your circumstances. We have a whole page dedicated to explaining the rates that we charge. Rates and Charges

How Quick Can I get My Money?

Most of the time, money will be in your bank within 30 minutes of being accepted. This assumes that you bank with a UK Bank that accepts faster payments.

Our platform operates 24 hours a day, 7 days a week and 365 days a year. The time of the day you apply makes no difference to the speed at which the money arrives with you.