Borrow £100 to £5,000
over 3 to 36 months

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Loans for people with bad or no credit history

Apply to borrow £100 to £5,000 today

3 to 36 month terms.

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


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

Can I get a loan with no credit check?

All companies who provide credit are required by law to complete a credit search. This is to enable the company to identify if a customer has made their contracted payments on other credit that they have used. If a company is advertising no credit check loans, they are breaching regulations and should be avoided at all costs. All short term loan companies have to be authorised and regulated by The Financial Conduct Authority and the FCA do not permit loans without credit checks.

No credit check loan questions:

Q1 – What is a soft credit search?
Q2 – What is your Eligibility Checker?
Q3 – Am I guaranteed to be approved?
Q4 – Do CUJ Loans use Soft Search?

Each time a person applies for credit, a lender will run a check on your credit history. This check leaves a footprint on your credit file and can be seen by future lenders who you apply to for credit. A soft search, however, is a search that cannot be seen by other lenders and acts as a kind of background check. A soft search has no adverse effect on your credit rating, whereas multiple ‘hard’ searches do impact your credit rating.

What this means is that when you apply for a short term loan through CUJ Loans, you can rest assured that your credit score will not be harmed and that when our broker partner searches the market for a loan on your behalf, they are doing so to get you the best deal possible.

At CUJ Loans we believe that customers should not be penalised for applying for credit. As we have explained, no credit check loans, do not exist, however, our partner’s lender panel can use technology to ensure that they can find a suitable short term loan for you without damaging your credit file. By asking some simple questions, they are able to estimate your chances of being accepted by a lender. In addition to this, when they send your application to one of their direct lenders they will return a decision without doing a hard search. As explained previously, this allows them to search the market for the best quick loans without reducing your credit score.
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This will not affect your credit score.

Unfortunately, there is no such thing as guaranteed loans. As explained previously, all lenders have to perform certain checks, including credit checks, before being able to approve a customer for a short term loan. As we have made clear, the FCA requires these checks to be carried out, so anyone advertising guaranteed loans is in breach of the FCA regulations and is likely not fully licenced and approved.

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Do CUJ Loans use Soft Search?

Yes. All of the lenders that our broker partner works with use Soft Search technology. This means that when you apply for a loan via CUJ Loans, it does not have an impact on your credit score. It is only after you have been approved for a loan and you decide to proceed that the lender will perform a hard search. This is completed with your permission when you are ready to take out the loan.

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This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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