Short Term Loans No Credit Check *

£100 to £5,000, same day payout*

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

Representative Example: 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).

*Boutell does not perform a credit check on any of our applicants however lenders will determine if you're eligible for a loan via a soft search. If you accept the loan offer a hard search is performed.


How to Get Short Term Loans No Credit Check

All lenders, no matter how big or small will be interested in one very important thing when you apply for a loan: your credit score.

Unfortunately, while it takes years to build a great credit score, and a lot of hard work, it only takes a few seconds and a silly mistake to bring your credit rating tumbling down. The complicated nature of credit scores is why so many people around the UK find themselves searching for short-term loans without any credit check requirements whatsoever.

How much would you like to borrow?

Representative Example: 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).

If you’ve found yourself looking for short term loans no credit check on Google in the hope that you’ll find someone who will give you a loan for 12 months without looking at your history, you might be in for some bad news. The truth is that no lender in the UK can give you a loan without considering your credit history. However, having a bad credit score might not be as bad for your lending opportunities as you think.

Credit Scores are Complicated Things

UK lenders need to look at your credit score for a lot of reasons when you apply for a loan. First of all, they want to make sure that you have a history of paying back the money that you owe on time. If you do, then lending to you isn’t as risky as it would be if you were constantly defaulting on your loans. Your lender wants to know that they can trust you to use the money that you get responsibly and find the right amount of cash to pay off what you owe.

There’s another reason that lenders conduct credit checks too – and that’s to make sure that you can actually afford to borrow the money that you’re asking for. Sometimes, getting yourself into more debt if you can’t pay off what you already owe isn’t the answer. For that reason, the FCA – or financial conduct authority – requires all lenders to check your affordability levels.

The trouble is that even a little mistake can make a huge difference to your credit score – preventing you from getting the money that you need. As you may already know, if you have bad credit, then your chances of getting a loan go way down – and your chances of high-interest rates go up. However, that doesn’t mean that you should be avoiding credit checks like the plague. All you need to do is make sure that you’re using the right credit checks first!

Soft or Hard Credit Checks? What’s the Difference?

Usually, when you complete an application for a loan with a traditional lender, they’ll conduct a hard credit check, dragging up all of the information that credit agencies have gathered about your spending habits over the years. This is the kind of credit check that leaves a mark on your credit score and may scare other lenders off if you apply for another loan too soon after the first application.

different between credit checks

However, not all credit checks are the same. If you apply for short term loans through a broker like Boutell, then we can take some of the headaches of credit checks off your shoulders. We go and find you a loan that suits your needs with the appropriate payday loan provider, and they do soft credit checks to determine whether you can actually afford the loan. Those soft credit checks mean that you can approach a lender that’s ready to approve you from day one, but there are no marks left on your credit history. Soft credit checks make life a lot easier. Usually, when people refer to instant loans no credit check, they’re actually referring to payday loans that only require a soft credit check, before a harder check happens later on.

What Do Lenders Look for with Credit Checks?

Lenders look for a lot of different things when they’re assessing your credit history and deciding whether to approve you for a loan. Interestingly, different lenders use different formulas to decide how they’re going to evaluate candidates. This could mean that you’re turned down by one lender, even after a soft credit check, and approved by another. Many online short-term loan providers are more flexible when it comes to providing loans to their borrowers.

Payday loan providers can afford to take more risks with people who don’t have the best credit because they know that they aren’t giving you a lot of money, or lending to you for an extended period of time. They’re going to get their money back fast, so their risk is limited. However, they may still need to check things like:

  • Whether you have any county court judgements (CCJs) against your name.
  • Whether you’ve ever been bankrupt before.
  • If you have a history of late payments when borrowing money.
  • If you’re on the electoral roll with your current address.
  • Whether your home has been repossessed in the past.
  • Whether you have any current debt balances that you’re already dealing with.

Checking details such as those will help your lender to determine if you can afford to borrow more money or not. They may also ask you for information such as what your income was for the last few months, and how long you’ve been employed at your current job.

Getting a Short Term Loan the Easy Way

A hard credit pull will leave a mark on your credit file, and all lenders will need to eventually check all of your credit history, which means they do need to go beyond a soft credit check. However, with a lot of payday providers, it’s possible to make sure that you’re going to be eligible for a loan before you continue with your application. When a broker presents your details to a lender and they conduct a soft credit check they can tell the broker if you’re likely to receive your loan.

This means that when you decide to go ahead and apply for the loan that you want, you probably won’t walk away with a mark on your file and no cash to show for it. Short term loan brokers like Boutell can make it easy to borrow the money you need without the risk to your credit. Once we match you with a suitable lender, you may get an offer for the exact amount you wanted to borrow, or a different amount, and you can decide if you want to take the offer.

The good news is that being approved for a payday loan that suits your needs is often much easier than being approved for other kinds of loans. What’s more, short-term loans also come with a lot of extra benefits like:

  • No spending restrictions: you don’t have to explain what you want to spend your money on or get approval for the thing that you want to buy.
  • Fast turnaround: Most lenders can approve your loan and start getting the money into your bank account in a 24-hour period, making this kind of lending excellent for emergencies.
  • Quick repayment: Because you pay your money back within a month, you don’t have to worry about adjusting your spending and budget for a long time.
  • Easy application: You can usually apply for your short-term loan using an online form that is provided to you by the lender or your broker. This takes a matter of minutes, unlike applying for a traditional loan.

How We Compare

  • Boutell
    Why Use Us?
  • How much can I borrow?
    £100 - £5000
    No hidden fees
  • Over how long?
    1 - 36 months
    Flexible repayments
  • Can I apply with bad credit?
    Quick decision
  • How do I apply?
    Online fully SSL secured
  • When can I apply?
    Even on bank holidays
apply now!

You Don’t Need Good Credit to Get a Loan

Despite popular belief, the truth is that you don’t need good credit to get a great loan anymore. Today’s borrowers don’t have to worry about having to hide their credit score from potential loan providers. The chances are that you’ll be able to get the money that you need, even if your credit isn’t perfect. There are even bad credit loan providers out there that specialise specifically in giving money to people with a poor history in their credit.

If you’re a UK citizen over the age of 18 and you have a valid bank account that your money can be paid into, then you’re already on the right track. If you can prove that you have a regular source of income that you can use to pay back the money that you borrow and show your lender that you’ve been in employment for a while, then your chances of getting the loan that you need are even greater.

With a broker like Boutell, hiding your credit rating from lenders can finally be a thing of the past. Just make sure that you don’t take the risk and try to apply for a loan from a lender that claims that they can guarantee you money without a credit check. Any lender who claims to be able to offer a loan without a credit check isn’t following the rules and regulations of the FCA. That means that borrowing from that lender could put you and your future finances at risk.
Take the easy approach and work with Boutell instead.

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