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?
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.
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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.