Bad Credit No Credit Check Loans *

£100 - £5,000 paid out by 09:08pm

How much would you like?


Representative 669.35% APR

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
*Omacl will not perform a credit check but lenders will determine your loan eligibility by performing a soft search. If you accept the loan offer presented to you, a hard credit search will be performed.

Can I find bad credit no credit check loans?

If you want to borrow some money but have heard of bad credit no credit check loans, then you may feel that there will be many options for you. There are actually quite a few different types of loan that are available to you and the main category would be short term loans. However, bad credit no credit check loans don’t actually exist as all lenders will need to perform a credit check of some sort.

What are short term loans?

Payday loans UK are a little different to a conventional loan. They are not normally offered by traditional lenders but by companies that specialise in just short term loans. They tend to offer smaller amounts of money, perhaps hundreds or a few thousand pounds. They will require money to be paid back over a short period of time, which means that you will not have the loan for long. They tend to be arranged very quickly as well, which means many people use them when they need money quickly. Some also advertise no credit check which means that if you need bad credit, no credit check loans, then you may think that this will help you but it won’t.

Who are they for?

These loans are advertised to those with a poor credit rating. It was seen that they had very few borrowing options and therefore if they needed money in an emergency they may have to turn to loan sharks or illegal activity to get the money that they needed. By creating a loan which is on offer to those with a poor credit rating it means that they have a safer option.

How much would you like?

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

How do they work?

You have to apply for the loan in the usual way. However, it is quite simple and fast and you can apply online, over the phone and sometimes even by text. Once you have given your details, they will do some identity checks and offer you an amount and you will then be able to decide how much you want to borrow. It takes very little time and you could get the money the same day or in a few days. You will then be asked to repay, in one or several instalments.

pay day loans

Can I afford one?

Obviously all lending comes with a cost. You will find that if you look at a lenders website, it will allow you to inform them of how much you would like to borrow and it will let you know how much you will have to repay, therefore allowing you to see the cost of it. You will normally have to pay a fee and interest but these should be clearly calculated for you to see before you sign up. Therefore you will know how much it costs. The cost will vary between lenders and so you may want to comb them so that you get the best deal.

How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

Where do I get one?

There are now quite a few lenders offering this sort of loan. In fact it can be quite overwhelming to work out exactly what sort of loan might be the best for you and perhaps even where to start looking for a loan. There is help available though. Omacl is a company which will help you to find the best loan for your needs. If you let them know what you are looking for, they will send you details of loans that could suit your needs and then you can easily take a look and borrow one if you like the look of them.

bad credit loans

It is always wise to do a bit of the research yourself though. Especially if you have an urgent need to get money now. Make sure that you check the details of the loan and ensure that you are happy with the cost as well as the repayment terms and things like that. It is wise to take a look at the terms and conditions so that you are aware of everything they are charging and what they may charge you if you miss a repayment. Ideally you will plan how you will manage the cost of the repayments before taking out the loan. Some tips on doing this are:

  • Working some overtime to get more money
  • Selling things to make some extra cash
  • Take on an extra job to earn a bit more
  • If people owe you money ask for it back
  • Set a spending budget to leave enough money
  • Spend less on luxury goods
  • Switch suppliers to get cheaper deals

There are many other things that you could try as well, all depending on your own personal situation.

Warning: Late repayment can cause you serious money problems. For help, go to Omacl is a broker, not a lender, and does not make credit decisions.