Can I get a Payday Loan with no credit check?

£100 to £5,000 paid out by 6:14am *

Fast 3 to 36 month loans.

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

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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.

Payday Loans without credit checks

Fearful of being declined, many people often look for payday loans with no credit check. However, as has been shown, FCA regulations require all licensed direct lenders operating in the UK to perform a credit check on every single application. Intended to protect people from further financial difficulties by preventing them from taking out loans they cannot afford, these checks also protect the money lenders.

No matter what type of short term loan you are looking for, your application will be subject to a credit check. Whilst this means there are no payday loans in the UK with no credit check, it does not mean that you will be automatically denied simply because of a bad credit score. Instead, lenders will take into consideration various other criteria when assessing your suitability for a loan, in addition to your credit score. This includes details regarding your employment status, monthly outgoings, and whether you are a homeowner or not. Taking into consideration these different factors, all of the lenders we feature strive to offer loans to as many people as possible.

£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.

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Can I find a payday loan online with no credit check?

In the past, applying for a loan was often time-consuming and complicated. Often requiring multiple visits to a bank, the entire process usually became quite frustrating; even if your application was approved, which it often could not be. However, thanks to the internet and modern technology, this is now a thing of the past. The majority of direct lenders we feature now provide their application forms completely online.

You no longer have to visit a branch, nor worry about stressful face-to-face interviews. Providing some simple information, such as your address and employment status, these lenders will quickly process your application and give you a decision almost instantly. Because payday loans are available online, some believe there is no credit check. Whilst this is may not be true, what is true is that our online lenders still offer people with bad credit the best opportunity of being approved for a loan. Furthermore, because these loans are available online, you can often get a decision almost instantaneously, regardless of where you are applying from and when.

When applying for a loan through CashUpJar, we refer your application to our panel of lenders. We are able to obtain a decision that does not impact on your credit file. We do this using “soft search” technology so you can rest assured that we have found you the best deal quickly and with no negative mark against you.

Payday loans can be a useful product for people leading busy lives and who want quick, easy access to emergency funds. As such, whilst we cannot offer any no credit check payday loans, we can offer you a fast, streamlined process, from some of the most reputable lenders in the UK, and the highest chance of being approved for a loan if you have bad credit. Our confidence is reflected by the fact that 95% of all applicants who apply for a loan through us are successful. Specialising in helping people with poor credit scores get access to competitive loans, we will do our best to match you up with the best lender and help you get the loan you need. As with all loans, we recommend only borrowing what you know you can afford to repay back within the agreed time, as well as refraining from using short-term loans to pay off long-term debts.

Many of the lenders that we work with offer loans to customers who may have experienced credit problems in the past. This is because modern money lenders now realise that your credit score is often not a true reflection of your current financial status. Featuring a simple online application process, the majority of lenders have striven to make the entire process as quick and straightforward as possible. We refer your application to our panel of lenders and get an instant decision without impacting your credit score. Offering a wide selection of bad credit loans, our direct lenders help customers everyday to find the short term loans that they need, even if they have a very bad credit rating.

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

When looking for a loan, we understand that people have lots of different questions, one of the most common is whether it is possible to access payday loans with no credit check or no guarantor. Whilst loans with no credit check are not legal, it is possible to get a loan without the need for a guarantor. Therefore, if you do not have access to a guarantor, or prefer to not have to ask someone to be a guarantor, you can still apply for a short term loan.


Whilst perhaps more difficult to be approved by some lenders, loans that do not require a guarantor are becoming increasingly common. As such, you now have a much better chance of being approved for such a loan than ever before. Of course, some lenders have their own specific requirements, including those that only provide loans to people with a guarantor. To help you avoid these lenders and ensure you can quickly compare and identify the right lender for you, we will use your information to filter out any unsuitable lenders. Not only does this ensure you don’t waste your time pursuing lenders that have no intention of lending to you, but it also enables you to see what the best deals are; allowing you to make a much more informed decision.

Having a guarantor can make you more appealing to a lender if you have no credit history or have impaired credit. Direct payday lenders generally do not require a guarantor, however, some more specialised lenders may give you the choice to add a guarantor to the loan. This can sometimes bring the cost of the loan down as the guarantor is liable to make the repayments should you not do so.

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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