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Why can’t I get a loan with no credit check?

As all of the direct lenders on our panel are fully authorised and regulated by The Financial Conduct Authority, they do not offer ‘no credit check loans’. This is because all applications must go through affordability and credit checks. However, this does not mean that you will not be able to get a short term loans if you have a bad credit history.

Understanding that credit scores sometimes do not tell the entire story when it comes to your finances and suitability for a loan, the direct lenders we feature aim to help people with poor credit scores still get access to loans. However, because they are reputable and licensed, all of the lenders will be very truthful and transparent in everything they do; and will not pretend to offer payday loans or short-term loans with no credit check. Therefore, you should not be afraid of having a credit check performed as you still stand an excellent chance of being approved for your loan.

Why Choose Xav Loans?

Adaptable loans from friendly people

Flexible Instalments
Over 3-24 months
Instant Offer
Borrow up to £2,500
No fees
No initial credit check**
No paperwork
Cash in 10 minutes*
All credit histories considered
UK based company
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Not sure if you’ll be accepted? Try our Eligibility Check

Can I get a payday loan whilst unemployed?

There are now many different types of payday loans available, including quick loans for people who may receive benefits, are retired or not currently in employment. Whilst such loans will feature certain criteria that you must meet in order to qualify, some direct lenders will consider applications as long as you can display an ability to repay the loan.

Such loans are often required by people needing the money urgently, some unlicensed lenders will claim to offer payday loans with no credit check. However, as we have shown, such lenders and loans should be avoided as they may feature high repayment rates and further unfavourable terms. Therefore, if you are tempted by a payday loan claiming to have no credit check, you should first see what we can offer you.

This is because we believe you stand just as good a chance of being approved with one of our lenders. Furthermore, loans with these lenders will be much more competitive in terms of what you repay back, as well as being fully protected.

Can I get a payday loan delivered to my door?

Whilst we cannot help you get a loan without a credit check, we can help you get virtually every other type of payday loan. With there being so much selection now, we are confident that we can help you find the right loan, regardless of what specific requirements you have. Therefore, you will be able to find loans that do not require a guarantor, as well as others designed for people on benefits.

One of the most specific types of payday loan are those delivered to your home, known more commonly as doorstep loans. Removing the need to have a bank account or even leave your home, these loans can be delivered to you at your front door. Furthermore, most lenders will then visit your home once a week to collect the repayments; providing you with a convenient way of repaying what you borrow.

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