Payday Lenders No Credit Check *

£100 - £5,000 paid out by 02:47am

How much would you like?

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).

Can You Get a Payday Loan Without a Credit Check?

Life is full of unexpected financial demands, so it’s good to have options when you need fast cash. Among the various funding alternatives available to UK consumers, payday loans provide straightforward access to flexible funding.

As long as you’re employed, with a paycheck on the way, top lenders are ready to furnish small loans to help bridge your spending needs, until your pay arrives.

One alternative, sometimes called a no credit check payday loan, may be slightly misunderstood by British borrowers. In practice, qualifying for this type of finance will always include a full credit check should you decide to accept the offer presented to you – though the requirements for approval may not be as strict as some conventional loan options.

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). 

Payday Lenders Extend Flexible Funding

With so many financial products on the market, it can be hard sorting out different types of personal loans. If you’re overwhelmed working out the particulars, comparing various alternatives can help you settle on the best type of loan for your funding need. While examples such as mortgages, car finance, and student loans target specific demands, flexible forms of funding offered by payday lenders can be used as you wish.

Whilst comparing loans, you may encounter lenders promoting payday loans with no credit check. The concept is somewhat misleading. You shouldn’t expect to get approved by a payday lender without the provider first considering your credit background. The good news, however, is that you won’t necessarily be declined for a payday loan, simply because your credit file isn’t perfect.

Each payday lender sets its own terms and conditions, so eligibility is based upon individual lenders’ rules. The amount you can borrow, the repayment period, and the terms of the loan are all agreed upon before payday lenders transfer funds to your bank account. Before considering your application, payday lenders may ask you to provide information such as:

  • Legal Name – Lenders need to confirm your identity before approving your application for a payday loan.
  • Current Address – Address verification is required by UK law, so you must provide your current address when requesting short-term funds. It’s also worth noting; the approval process may be slowed if the address you provide doesn’t match the information connected to your bank account.
  • Monthly Earnings – Before issuing funds, payday lenders need assurances you have means with which to repay your loan. Furnishing accurate information about your monthly income helps providers establish how much to lend and the terms to extend with your loan.
  • Work History – Steady employment is essential for payday loan approval. Unlike mortgages and other loans secured with physical property, payday products rely on your pending pay to qualify your application.

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

How Does a Credit Check Affect Payday Loan Eligibility?

Though some payday lenders promote no-credit-check products, approval nonetheless requires that applicants meet various conditions and criteria and a full credit check will always need to be performed. A history of bad credit doesn’t guarantee you’ll be passed over for a payday loan, but it’s still important to protect your credit rating.

payday lenders no credit check

From your earliest credit relationships onward, UK credit reporting agencies maintain information about your repayment history, outstanding balances, and available credit lines.

When you apply for conventional financing, banks and other providers commonly conduct extensive credit research, using information provided by Experian, Equifax, and other credit reporting companies. Taking an in-depth look at your financial past helps banks evaluate creditworthiness for mortgages, car finance, and personal instalment loans of this type. Unfortunately, each time a bank conducts this type of hard credit pull, the practice leaves a mark on your credit file. Accumulating too many marks can have a negative impact on your credit score.

During pre-approval, payday loan providers may instead utilise a process known as a soft search. The abbreviated check takes less time to complete than a full-scale credit check does, without leaving the same type of fingerprint on your credit file, associated with a comprehensive credit pull.

How to Strengthen and Protect Your Credit Score

If you’re just getting started establishing credit credentials, there are a number of things you can do to build a solid credit file. Similarly, if you’re working to restore a damaged credit history, maintaining the following good habits can help boost your score:

  • Always pay on time – Payday lenders offering no-credit-check loans and banks evaluating credit applications are most concerned with your ability to make timely payments. A history of paying on time provides a firm foundation on which to build a good credit score.
  • Provide current information on the electoral role – Getting on the electoral role makes it easier for lenders to confirm your identity. A steady history at the same address and employer, as well as a long-established bank account can also reinforce your credit strength.
  • Pay off your debts – A history of timely payments is an essential feature of a strong credit rating, but paying on time isn’t the only way repayment bolsters your credit score. Wiping debts completely and ahead of schedule may also strengthen your score.
  • Don’t apply for too many credit cards and bank loans – Payday lenders commonly rely on soft credit checks when evaluating eligibility. But when you apply for traditional loans, credit cards, and other financial products, a note is made on your credit file, indicating a full credit check has been conducted. Applying for too many conventional loans, whether or not you’re approved, can downgrade your credit score.
  • Close unused accounts – Over time, your credit file can become littered with unused accounts. In some cases, these active but idle credit file entries can work against you. It’s easy enough to clean up your file by directly contacting creditors, requesting deactivation.

Count These Benefits From Omacl Payday Lenders

In addition to relaxed credit check requirements, payday loans have a number of distinct advantages, compared to other types of finance.

  • Easy Application Process – Submitting your online application enables multiple lenders to evaluate your request, without completing separate paperwork for each provider. The process takes only minutes, from start to finish, which saves valuable time when money’s needed in a hurry.
  • No Hidden Fees – Closing on conventional financing may include fees and charges that drive up the actual cost of borrowing. Omacl’s simplified application sequence doesn’t add extra fees, so you always know the true cost of your loan, without surprises down the road.
  • Loans up to £2,500 – Payday lenders specialise in funding relatively small, short-term loans. You can request up to £2,500 – though your lender may offer a lesser amount, based upon eligibility criteria and information gathered from your application.
  • High Approval Rates – Even with a poor credit history, chances are high your application will be approved.
  • Straightforward Repayment Terms – Your loan terms are worked out in advance, so you can plan for repayment. The full repayment balance is typically due within 3-18 months, providing ample time to wipe the debt with payday payments.
  • Flexible Usage – Payday funds are not restricted, so you can use the money any way you want. Whether you need money for holiday or repairs at home, flexible short-term funding can help you address varied spending demands, when you don’t have cash on hand to cover costs. Electronics, replacement appliances, gifts, car repairs, and everyday bills are all fair game for payday loan proceeds.
  • Fast Funding – Time is of the essence when unexpected spending needs arise. Why wait a lengthy approval period when fast funding is available from top payday lenders?

Getting Started Online

The sooner you apply for a loan, the quicker you’re likely to gain approval from a matched lender. Using our online brokerage further accelerates the funding process, giving you access to multiple lenders from one intuitive platform. Depending when you apply and the lender offer you select, loan proceeds may be transferred to your account within hours of approval.

Before counting on short-term funding, you must meet a set of basic criteria, including these conditions:

  • An applicant must be a legal citizen of the UK to be considered for funding.
  • You must maintain an active current account to get a payday loan.
  • Only citizens age 18 and older are eligible for funding.
  • You must be free of other active loan balances at the time application is made.
  • A loan applicant must have demonstrable means for repaying the loan.

When you need money fast, payday loans provide stand-in cash, until your paycheck arrives. No credit check versions are offered by some lenders, but qualifying for the funding does require a look into your credit past via a full credit check. If you need a short-term financial bridge, completing an online application is your first step toward a lender match.

payday lenders no credit check

How long will it take to receive the money from my loan?

Loans will generally be paid out within an hour of being approved. Payouts may be slower on public holidays, if you have any specific requirements please contact us and we will be happy to assist. We are available via the online support 24/7.

Can I have a payday loan with no credit check?

Omacl will not carry out any credit checks on customers applying for a payday loan. Lenders have a legal obligation to make sure a loan is affordable and they will uses of searches as part of this process. This process is entirely automated and the lender won’t need to contact you by phone or post.

How does the application process work?

It only takes 3-4 minutes to fill in the short application form with Omacl. We aim to give everyone a decision instantly. To start the process, please click here to go to the application form. Omacl will not contact you by phone or post.

Can I get a loan with a poor credit history?

Yes you can still qualify for a loan via Omacl even if you have a poor credit history. The main issue lenders will look at is the affordability of the loan. You shouldn’t apply for a loan if you know you can’t easily make the repayments from your income. We aim to get everyone approved where possible.

Omacl on the FCA Register

Omacl is a registered trading name of Chojin Ltd and is authorised and regulated by the Financial Conduct Authority (FCA). You can view our registration status via reference number 732880.

Free Financial Advice

If you are struggling with debt or are unable to make your loan repayments, please visit the websites below. All of them offer free, impartial advice.

Warning: Late repayment can cause you serious money problems. For help, go to