Loans for people with no credit

£100 to £5,000 paid out by 5:19am *

Fast 3 to 36 month loans.

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome
Quick Eligibility Check

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Loan amount subject to lender's requirements and approval. *Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

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.

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 can not 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 CashUpJar, you can rest assured that your credit score will not be harmed and that when we search the market for a loan on your behalf, we are doing so to get you the best deal possible.

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

£13per month

The approximate interest for borrowing £100

CashUpJar is an authorised and regulated credit broker – not a lender: Rates between 9.3% APRand 1294% APR – your no obligation quote and APR will be based on your personal circumstances – we compare short-term loans from over 50 lenders to get you the best APR possible for you. Loan term lengths from 3 to 36 months.

Try our No Obligation Eligibility Checker

Get your money by 5:19am

Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

Do CashUpJar use Soft Search?

Yes. All of the lenders that we work with use Soft Search technology. This means that when you apply for a loan through CashUpJar, 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.

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

Ready for a quick loan?

Apply for £100 - £5,000 in 60 Seconds
  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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  • No impact on your credit score
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