Payday Loans No Credit Check *

£100 - £5,000 paid out by 09:28pm

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).

Payday Loans With No Credit Check?

Conventional UK lenders are interested in credit applicants’ financial histories, because they want their customers to pay them back on time. The greater assurance you can provide that you’re a safe investment, the more likely a bank or building society is to approve your loan application. One of the tools available for making your case is your personal credit file, which shines a light on your past performance managing credit card balances and loan repayment.

Have you paid your bills on time and used credit responsibly? Or is your credit history chequered with late payments and occasional monetary missteps? Background credit checks conducted during the loan approval process answer these and other questions about your financial history, beginning with a credit “score” assigned by credit reference agencies.

A long history without repayment problems can help you get bank financing, but loans are also available for applicants with imperfect credit. You can’t exactly get UK payday loans with no credit check, but the flexible finance alternative may come through when other types of financing fall short.

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). 

Are All Credit Checks the Same?

Although you may have heard about payday loans with no credit check, UK lenders almost always use credit reporting to evaluate applicants for an online loan without a credit check, credit cards, personal lines of credit, and other consumer finance alternatives.

For the benefit of lenders, private credit reference agencies (CRAs) continually update individual profiles, maintaining detailed records about UK consumers’ credit habits. If you failed to pay in the past or presently struggle with excessive debt, CRAs such as Equifax and Experian know all the details – and they’re ready to share them with lenders. Past problems don’t always interfere with cash loans today, particularly when you have a steady paycheck coming in and a stable employment history.

Credit checks conducted by banks, building societies, and non-traditional lenders rely on CRA reporting for accurate accounts of people’s history with loans, credit card accounts, mobile contracts, and other types of credit utilised in the past. The most comprehensive type of credit review is called a “hard” credit pull, which leaves a mark on your credit file. Another type of credit check known as a “soft” pull may be used to pre-qualify applicants for payday loans and other finance products; soft checks don’t show up on your credit report.

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

Lenders use distinct proprietary formulas to evaluate loan candidates, so it is possible that you will experience getting turned down by one lender, only to be approved for fast payday financing by another. Online lenders may have greater flexibility making loan offers than big banks, because payday loans are limited to relatively small sums of money, which is soon paid back.

payday loans no credit check

Though it’s a useful tool for assessing applicants, your credit file is only a reference; CRAs have no say in the loan approval process. When banks pull credit checks, they base approval decisions on finance details contained in credit reports, such as:

  • County Court Judgments (CCJ) – Legal actions filed against you for non-payment drag down your credit score.
  • Bankruptcy – Insolvency results in negative credit reporting that is shared when lenders run credit checks.
  • Home Repossession – Losing your house to creditors leaves a lasting imprint on your credit record.
  • Late Payments Past and Present – It isn’t uncommon for consumers to pay late at some point in their financial lives. Credit card companies and lenders may even be willing to overlook a first offence. Get in the habit of paying late, however, and your credit score will suffer.
  • Electoral Roll – Are you on the electoral roll at your current address?
  • Current Debt Balances – Before extending loan offers, providers want to know you’re in a position to take on the debt. The ratio of available credit in use, compared to your total open lines is one metric banks use to assess your credit habits; maxed-out credit limits work against you.

In addition to specifics about your financial history, credit reference agencies also provide accurate, up-to-date, personal information such as you name, current and recent addresses, and your date of birth.

Qualify For a Payday Loan Online

Loans with no credit check may not ring true, but payday loans provide fast cash for qualified UK workers seeking financial relief between paychecks. The approval process starts online, with a straightforward payday loan application.

playday loans no credit check

Upon receiving your completed loan request, Omacl loan brokers match your financing need with a top UK lender specialising in short-term payday funding. After being matched with a suitable lender, you may receive an offer for the exact amount requested or for a different amount, based upon eligibility criteria.

In addition to the easy online application process, payday loans provide these advantages, when compared to conventional financing:

  • No Spending Restrictions – Various types of credit serve a wide array of spending demands. From home loans to store cards, diverse finance opportunities help UK consumers meet short- and long-term financial obligations. The good news for UK borrowers seeking flexible spending solutions; payday loans are not restricted, so you can spend the money however you want.
  • Fast Response and Turnaround – When you need cash now, you can’t wait out a lengthy approval period. Online lenders specialise in providing fast cash, so the payday loan application and review process is designed to return rapid results. Once submitted online, your payday loan request receives immediate attention, generating a quick lender response. And after your application has been approved, the money is transferred directly to your current account, within hours.
  • Flexible Loan Amounts – Payday loans work best addressing short-term spending demands, so the loans are relatively small, compared to long-term finance solutions. You can borrow up to £2,500, but there’s no obligation to take the full amount. Instead, calculate how much money you need, and then apply for a payday loan in the exact amount.

Your employment and earnings histories are important to payday lenders, because your paycheck serves as a form of guarantee, ensuring you’re prepared to repay your loan as agreed. In addition to completing an online application, you must meet these basic eligibility requirements in order to be considered for a payday loan:

  • Maintain a current account at bank or CU
  • Be at least 18 years old when you apply
  • Be a citizen of the UK
  • Demonstrate adequate earnings to repay your loan on schedule

Payday Loan Alternatives

When you need outside financial help, there are several different ways to answer the call. UK payday loans provide fast relief, or you can turn to these tactics to ease financial pressure at home.

  • Credit Cards – Revolving credit is convenient, but you may already be up to your spending limit. If you do lean on credit cards to navigate financial challenges, strive to eliminate the balance as soon as possible; rolling it over from month to month adds interest charges each time, creating a cycle that’s hard to break.
  • Family and Friends Loan – A generous friend or family member may be willing to extend a financial lifeline when a short-term lift is required. For positive outcomes, enter into friends and family finance arrangements with all your cards on the table, and clearly spell out the loan terms in a written agreement.
  • Payment Plan – Depending upon who you owe and how far you’ve fallen in arears, it may be possible to work out a payment plan, avoiding negative credit consequences.
  • Household Emergency Fund – Every home should have savings in reserve, but data indicates UK families aren’t always prepared for financial emergencies. If your rainy day fund is flush, the resource can help carry you through financial hard times, without adding to your debt load. Without adequate cash on hand, a payday loan may be the next best thing, providing fast cash until payday arrives.
  • Refunds and Returns – It isn’t always possible to turn back the clock on personal spending, but you may be able to raise money returning recent purchases. Mind restocking fees to get the most from your refunds, and try not to return a good deal, only to replace it later at a higher cost.
  • Extra Earnings – Balancing cash flow sometimes requires extra weight on the earnings side of the equation. If you consistently come up short, a second job or part-time income can help correct your long-term financial outlook. In the meantime, payday loans provide a financial bridge, keeping your finances on track between paychecks.

If you expect a payday loan with no credit check, you may be disappointed; lenders are required to evaluate applicants before making loan offers. Despite their credit review, payday lenders may approve your online request for fast cash – even with an imperfect credit history. If you’re employed full-time, with a paycheck pending; payday loans may provide short-term finance solutions for your pressing money needs.

Do I need to have a credit check before getting a payday loan?

Omacl will not carry out any credit checks on our applicants. When we match you with a lender, they will run their own affordability checks which may include a credit check.

How can I apply for an Omacl loan?

You can complete our simple application form in under 5 minutes. We can pay out loans within 30 minutes and your decision will be instant. To get started, please fill in the form here.

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