Instant Loan No Credit Check *

£100 - £5,000 paid out by 12:30am

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.

Where to find an instant loan with no credit check?

Instant loans without a credit check do not exist. If you have a poor credit record and need some money quickly, it might be that you need a loan. It is not always easy to know where to start looking for a loan like this. You generally have to find a short term loan lender to help you out. There are different ways to find them.

TV/online advertisements

You may have seen advertisements either on the television or online, perhaps even on the radio for short term loans for bad credit. This can be a way of finding a lender and you may be familiar with the companies that advertise as you will have heard their names often. It can be easy to think that, because we know the name of a lender, that we can trust them more. However, knowing their name means no more than not knowing the name of a company. It tells you nothing about what they do, what they are like, what they cost and things like that. Therefore do not feel that you have to go with the familiar and that it could be wiser to use a name that you know. It is far better to find out about these companies and what they have to offer you. It is also worth knowing that there are a lot more companies than those that advertise and so you could find a much better deal with them, especially as they do not have to cover the costs of advertising in their prices.

How much would you like?

Apply Now

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). 

Search engines

Another place to start looking is search engines. These will bring up details of different companies that you can consider. In fact you may find it rather overwhelming as they are likely to be so many. It will allow you to visit their websites and to find out more about them. It can be a useful thing to do as you will discover a lot of different lenders and find out about the different types of loans that they could have available for you. However, you will find that there are a lot of instant loan no credit check options available and this could mean that it will take a long time to go through all of them.

no credit check payday loan


A directory could be an easier way to search compared to a search engine. They may be able to produce a list of lenders which could be easier. When you look in a search engine it will bring up articles, like this one as well as direct links to lenders and so it could be easier to avoid that and just get a list of the lenders and work through each one, so that you can find out more about each one.

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


An introducer is a company that acts as a go between. In the case of instant loan no credit check lending, they will be able to match lenders with those that want to borrow. An example of one of these is Omacl who will take details from you about what you are looking for in a loan and then match you to a lender. This can help to speed up the process of finding a loan and could increase the chances of you finding one which closely meets your needs. If you do not have a lot of time to search or would rather not do all the research then this will save you having to do that. It can be wise to still find out a bit about the lenders that have been recommended, but it can be a lot easier to just do it for a few, rather than all of the lenders that you come across.

instant loan no credit

Even if you need your instant loan borrowing to be extremely fast, it is wise to make sure that you do a little research. Even if you get a company to do it for you, at least you have done something. This should enable you to find a better loan, which will suit your needs, be more manageable to repay and hopefully be cheaper as well. It will allow you to feel secure that you have a loan that is well suited to you and that you have not ended up paying far more than you needed to because you have looked at a selection of lenders and picked the best. It is also important to keep in mind however that ALL reputable lenders will at least perform a soft search on your report, even if not a full credit check.

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.