No Credit Check Loans

£100 - £5,000 paid out in 20 minutes

How much would you like?

Apply Now
Representative Example: Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

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

We understand that sometimes you need money quickly to cover an unexpected expense. When emergencies happen, payday can simply seem too far away. You might struggle to pay all your bills if you don’t get some speedy help. We are here to match you with a loan company who can transfer money into your bank account within a few hours. No matter what you need the cash for, we can put you in touch with a lender who can consider your application.

Your poor credit history should not be a barrier to borrowing cash – it is your present circumstances that will be taken into consideration, not your past.

What are no credit check loans?

Life doesn’t always to go plan. Unforeseen problems can happen to everyone, with things cropping up like a boiler break down, a freezer that fails or a flat tyre on the car. To see you through until payday, a short-term loan can be really useful. No credit check payday loans are a way to borrow money quickly and simply to help pay for the things you need.

Some lenders will offer a loan without carrying out a hard search into your credit history. Instead, your current circumstances are checked and your ability to pay back the loan is considered. A soft search is performed before a decision is made, and a soft search will not stay on your credit history for others to see. Palma Violets Loans match understanding lenders with customers who are looking for a no credit check loan.

We are here to put people searching for a loan together with companies who are happy to lend in these circumstances. The interest rate for this type of loan can be more expensive than regular loans, so they are usually used as a short term solution and are ideal for emergency situations.

Can I get a no credit check payday loan?

Not everyone has a perfect credit history, but that doesn’t mean that a loan is out of the question. No credit check payday loan can be an option for a person who has experienced some financial difficulties in the past. If you’ve had a CCJ, late payment issues or employment gaps some time ago, you could still be considered for a bad credit loan. There are companies who offer no credit check loans to help people who need quick access to cash. Our role is to find the right lender for your circumstances and put you in touch.

There are some straightforward questions to answer with a no credit check payday loan. It would be irresponsible of a company to lend money without first making sure that the customer is able to repay the money borrowed. Firstly, you must be over 18 years old to apply. You will need to be employed before you can be considered for a poor credit loan and you must have a UK bank account that allows direct debit payments.

After you have submitted your application, your ability to afford the repayments will be looked at, rather than your credit history. Lending money to anyone who could not comfortable repay it would be wrong, but a bad credit lender is more flexible than the high street bankers and more likely to issue the cash needed.

Compare Lenders

LenderRepresentative APRAvailable AmountsLoan Duration
Lending Stream1333%£50 to £1,500Up to 6 months
Cash4unow1314%£150 to £10004 or 6 months
Oakam1421%£100 to £5003, 6 or 12 months
THL Direct1306.21%Up to £125Up to 3 months
Buffa1124%£100 to £10003-6 months
QuidMarket1301%£300 to £1,5003-6 months
Loans 2 Go1013.3%£250 to £100018 months
Ferratum1270%£300 to £70062 days to 4 months
MyJar1081%£100 to £20003, 6 or 12 months
Sunny1267%£100 to £2500 6, 7, 9 or 14 months

How quickly can I have the money?

The speed at which the loan reaches your bank account will depend on the lender, but all bad credit companies understand you can’t wait too long for the cash. When you apply for money through a regular lender, they can take several days or even weeks processing your application. They complete a thorough search into your credit history and take time coming to a decision.

If you want the loan for an emergency, you can’t wait to see whether you have been approved or not. With a no credit check loan, your application is considered by a range of interested lenders almost instantly. A soft credit search is performed at speed, and you’ll get an answer quickly. If you are turned down for the loan, a soft credit check will not appear on your credit history or impact it.

You are much more likely to have your loan application approved with Palma Violets Loans, putting your mind at rest instantly. You can deal with your difficult situation and get on with your life when you have a solution at hand.


How much can I borrow with a no credit check payday loan?

You can borrow as little as £100, and with some lenders, you can apply for loans up to £5,000.

How do I apply for the loan?

There is a short, online application which includes a few simple-to-answer questions.

Do you carry out a credit check?

We don’t check your credit history but a lender who is matched with you might want to. Look carefully at the conditions of any offer to understand whether a hard credit check will be required.

What happens after I apply?

Our panel of flexible lenders will consider your situation and ability to repay the cash, and give you a decision within minutes. If you are successful, you will be linked to the lender that has been matched with you to complete the loan process.

How quickly will I get the funds?

Once all the electronic paperwork has been completed, you could have the money in your bank account the same day.

Am I eligible for a loan?

The exact criteria will be different depending on the lender you are paired with, but some things will be the same for all companies. For example, all lenders will require you to be over 18, have a regular income, live in the UK and have an open bank account that will permit you to have a direct debit set up.

Who do I contact if I can’t manage the repayments?

We are not the lender, we are a broker who matches people looking to borrow cash with companies prepared to offer them a loan. Once you have agreed one company’s terms and conditions, you should contact them directly as soon as you realise you cannot make the repayments on time.