Same Day Loans No Credit Check *

£100 - £5,000 paid out by 11:21pm

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).

Which Lenders Offer Same Day Loans With No Credit Check?

Despite the demand for same day loans with no credit check, lending rules require banks to consider credit references before extending finance offers. The practice reduces risk for lenders, allowing them to measure creditworthiness and diminish instances of default.

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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). 

Adverts for same day loans with no credit check often refer to online options, but the claims may be misleading. Like their brick and mortar counterparts, online lenders are also required to review applicants’ credit when considering loan requests.

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You Can’t Get a Bank Loan With No Credit Check

Whether you apply online or seek conventional bank financing, various aspects of your credit history may come under review. In particular, comprehensive credit checks conducted by banks and other traditional lending institutions highlight exhaustive details about of your finances – past and present.

In addition to personal identifying information such as your name and date of birth, your credit file may contain information about payday loans online, credit cards, service accounts, student debt, and other relevant elements of your finances.

  • Unpaid Card Balances – Prospective lenders consider your existing debts when measuring your ability to repay a new loan, Debt-to-income ratios and other metrics are used to evaluate applicants, assuring lenders that approved candidates have adequate means to make timely payments. Excessive debt may interfere with a new credit obligation, so a high existing balance can work against you when seeking conventional bank loans.
  • Recent Addresses – For the best results obtaining financing, keep the address information in your credit reference file current, by updating the electoral roll each time you move. Inaccurate information and administrative inconsistencies can slow the funding process.
  • Payment Histories – The past predicts the future, so creditors evaluate your history managing money, seeking to confirm you are a reasonable risk. A history of timely payments and responsible credit management keeps you on the right side of lenders, granting access to low interest rates and preferred lender terms. Late payments, on the other hand, damage your credit rating and may prevent you from obtaining future financing. In addition to ruining your financial reputation, late payments may also result in penalties and finance fees imposed by creditors.
  • Account Information – Records about active and closed store card accounts, credit cards, and lines of credit illustrate your history managing various credit opportunities. Long-lived relationships with creditors are favoured; it pays to maintain the same accounts over time. The practice contributes a sense of stability and continuity, strengthening your credit report and reassuring prospective lenders. A credit reference file cluttered with seldom used accounts and short-lived relationships may have the opposite effect. In addition to identifying the age and health of your accounts, credit reports may also include information about credit limits, average balances, and minimum payments.
  • County Court Judgments – Under certain conditions, lenders may pursue judgements against delinquent account holders. The legal action protects lenders’ financial interest in the event of non-payment. County court judgements serve as legal notice that a particular individual is indeed responsible for the debt in question. After a judgement has been handed down by the court, the matter becomes part of the public record, impacting the debtor’s credit rating.
  • Bankruptcy and Repossession – Late payments and other inconsistencies cause reversible credit damage, but it is hard to recover from catastrophic financial conditions such as bankruptcy and house repossession. Major setbacks such as these devastate credit ratings, requiring years to overcome. If your recent history includes insolvency or repossession, alternative £200 loans for bad credit may be your only finance option, until a a bad credit rating is restored.

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

Credit Scoring Ranks Consumers’ Financial Histories

Credit reference agencies maintain financial data about UK consumers, tracking individual account balances, payment histories, debts, and other monetary matters. Each time you apply for a new line of credit or request service from a mobile provider or utility company, reference agencies provide creditors relevant information about your finances, upon request.

Credit checks help lenders and service providers measure creditworthiness, determining who qualifies for bank financing and service contracts. Landlords also rely on credit checks when letting residential property, evaluating applicants based upon their rental and payment histories.

In order to simplify the credit reporting process and furnish a standardised reference for creditors, credit agencies also assign “scores.” Credit scores offer three-digit representations of each individual’s position on a performance scale, measuring credit health. A lengthy history of prompt payments and positive credit outcomes results in a high credit score. On the other end of the credit scoring scale, past payment problems and negative credit reporting diminish an individual’s score.

same day loan no credit check

Your credit score is an important figure, because creditors frequently use credit scoring to establish thresholds for lending. If your credit score does not measure up to the set standard, you may not qualify for a bank loan. Same day loans and other online finance opportunities offer flexible alternatives with high acceptance rates. Even a so-so credit score doesn’t automatically undermine access to small, short-term, same day loans.

6 Ways to Strengthen and Preserve a Healthy Credit Score

Recovering from credit scoring setbacks is much more difficult than establishing and maintaining a healthy credit score. Beginning with your first credit interaction, it is important to build a strong credit score and protect it from damage and downgrades.

  • Utilise diverse financial resources – Balanced and varied usage is an important credit scoring concern. Ahistory of utilising diverse credit resources can help improve your credit status, illustrating your ability to effectively manage various consumer credit opportunities. If your finances are stuck in one lane, branching out may strengthen your score. Altering your usage habits may include venturing beyond your credit cards for a personal instalment loan, same day loan, car loan, or long-term finance solution.
  • Check your credit file for accuracy – Your credit score is derived from information contained in your credit reference file. Though accuracy is a priority, Experian, TransUnion, and other top credit reference agencies make mistakes; your credit report is subject to inaccuracies, errors, and omissions. False information in your file affects credit checks, misleading prospective lenders about your financial history. The best way to guard against prolonged exposure and correct bad information in your credit file is to periodically review your credit report. You are entitled to a free copy of your report, supplied annually, upon request. When checking your report, focus on misspellings, typographical errors, outdated address information, unfamiliar accounts, false reporting, and other inconsistencies.
  • Always pay on time – Revolving credit accounts, same day loans, mortgages, quick cash funding, and other types of financing are all built upon credit agreements, outlining the terms of each finance relationship. Instalment amounts, grace periods, late penalties, and payment due dates are documented in personal credit arrangements, defining the particulars of each transaction. Of utmost importance, payment expectations answer questions such as: how much and when? Without exception, on-time payments are essential for finance success. Your credit score will suffer under the weight of late payments, and you may face fees from your lender, for failing to pay on time. The best way to establish and protect a healthy credit score is paying on-time, every single time.
  • Satisfy your debts – In addition to rewarding you for timely payments, credit scoring also accounts for your history eliminating debts. Each time you satisfy a repayment obligation, wiping the entire debt down to a zero balance, your credit file reflects the accomplishment. Consistent success eliminating debts can ultimately strengthen your credit score. When lack of credit references hampers your credit score, same day loans and other satisfied debts can be used to boost your credit score.
  • Avoid overutilising available credit – Credit limits establish maximum spending thresholds for credit cards and lines of credit. The limits apply to revolving balances, setting the uppermost allowable amount of money that can be utilised at a given time. Commonly referred to as maxing-out a credit card, utilising the entire allowable balance leaves nothing left to spend. As the card balance is paid down, charges are again allowed, as space opens up below a card’s credit limit. Overutilisation occurs when too much of your available credit is in use at any given time. For better results strengthening your credit score, strive to balance utilisation, leaving a substantial portion of your credit line unused.
  • Don’t open unnecessary credit lines – Credit card companies and other lenders offer competitive promotions and perks for new customers. Although cash back offers and card benefits may be tempting, opening unneeded accounts can stunt your credit score. Rather than move from one card to next, or filling your file with idle accounts, build on your history with a few regularly used accounts.

Same day loans and other online resources may require quick credit checks, but the alternative lending resources still deliver fast cash. When you can’t afford to wait for financing that is slow to fund, same day loans offer immediate access to cash.

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