No Credit Check Loans*

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£100 – £5,000 paid out by 21:48 Today

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Money deposited in 15 minutes 

We don’t perform a credit check*

Can I get a loan with no credit check?

No credit check loans in the true sense of the term do not really exist, and it is not possible to get a loan without a direct lender carrying out a hard credit check. All direct lenders must perform a mandatory credit check on every loan application, this is done to access your suitability to repay the loan.

It is important to bear in mind that The Financial Conduct Authority demands that all lenders (at least those which are authorised) perform a credit check on all applications for short term loans. So if you see any company offering no credit check loans you may want to stay clear of them.

We at Cashute works with our partner who has access to a panel of lenders who will check your eligibility for a loan by performing a soft search. This soft search does not leave a footprint on your credit rating. The soft search is used to match which lenders are more likely to accept your application based on the information which you provide during the application process.

Applying is Free and No-Obligation

Payday loans with no credit check explained

No two direct lenders have the same set of criteria when assessing a short term loan application. Nowadays direct lenders look at more than your credit score. So in the past people have been put off applying for a loan believing that their poor credit rating would prevent them from getting a loan. Therefore, they look for loans with no credit checks, the issue here is that The Financial Conduct Authority prohibits any loan with no credit checks as it will put the consumer in more financial difficulty than before. Credit checks are there to assess your suitability to afford to repay and short term loan.

Each lender will carry out their own propriety credit check based on the details in your application. Direct lenders understand that people looking for short term loans may have bad credit score due to mistakes in the past which are often no fault of their own, so now more and more payday loan lenders now look at more than just your credit history, they will look at your employment status, how many hours you work, your residential status, can you afford to pay back the loan you are requesting. Lenders are now more willing to lend to those with a not so perfect credit history.

Annual interest rate of 292% (Fixed)

For example:

£200 borrowed for 35 days

Annual interest rate of 292% (Fixed)

Total amount payable is £256

1212% APR Representative



Applying for short term loan on mobile

Will my bad credit score prevent me from getting a loan?

When you are looking for a short term loan, we would recommend that you use a direct lender that has been authorised by The Financial Conduct Authority. Using a reputable authorised firm will ensure that you are treated fairly as per the guidelines set out by The Financial Conduct Authority, so if you do have bad credit you are more likely to be granted a quick loan and be treated fairly if the firm is authorised.

When you apply for the loan via a direct lender they will always carry out a credit check but recall that the direct lender has their own set of criteria they will look at your personal circumstances to determine your suitability. So it means that even if you do have bad credit that you can still apply for loans. Our lenders understand that anyone can have a bad credit score for any number of reasons. More and more people with bad credit ratings are being approved for short term loans since lenders now look at more parameters than just your credit rating.

What do I need to apply?

Applying for a loan is straightforward and is all online.

Before you start your application have this ready:

Details of your regular monthly income and outgoings

Mobile phone number

Valid email address

Home address for the last three years

Your Bank account

Your Debit card information

Fast, Free & Easy No-Obligation Application Process


Choose Loan Amount & Term

Simply chose how much you wish to borrow and over how many months you wish to repay the loan


Fill in the Application form

Fill in our simple application form which takes only a few minutes and then apply for your loan


Receive Your Cash

We send your application to our panel of lenders, once approved you will receive the funds directly to your bank account

Why choose Cashute

Authorised by the Financial Conduct Authority

Fast Online Application

No Payout Fees

No obligation quote

No paperwork

100% UK Based

Very High Acceptance Rates

No Hidden Costs

How legitimate are Payday loans no credit check no guarantor?

Are guarantor is someone you know and who knows you and will repay the loan for you should you be unable to do so. Some direct payday lenders used to expect you have a guarantor on your loan application, but many people could not apply for a loan since they did not have anyone they could put down as their guarantor.

Everyone has their own unique set of circumstances and understanding these many companies have begun advertising payday loans with no credit check and no guarantor. We know that there is no legitimate direct lender out there who would offer loans with no credit check. Although having said that direct lenders can offer a no guarantor loan but will look at your personal circumstances such as your employment status, do you work full time or part time and the like. What this means is that people who in the past may not have qualified for a  loan due to not having access to a guarantor now have the chance to apply for loans to fund that unexpected emergency.

We at Cashute do not charge for our service, you may apply completely free and no obligation and even better we have no preference or obligations to any of the lenders and act totally impartially. Our role is to help you to be matched with the best direct lender which provide payday loans no guarantor. We are paid a commission for our services

These direct lenders will offer you loans which will be as competitive as those which require guarantors.

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Is a payday loan no guarantor a good choice for me?

Loans are for small amounts of money for a very short period of time and are offered to meet a special need which is to cover a small emergency expense at short notice and as such payday loans should only ever be used as an emergency loan where you can repay the loan on your next payday hence the name payday loan.

These payday loans are used by people that find that they need an extra one or two hundred pounds until next payday whereas short term loans are loans offered by our direct lenders which are for slightly higher amounts over longer terms such as 3 to 12 months.

Therefore, these small loans are a great idea if used correctly to fix a sudden emergency loan requirement.

But be aware that these loans come with a higher APR and should be paid back as per the terms agreed with your lender if not before. Provided the loan is paid back in full and in time you will not incur any late payment fees, (Check your terms and conditions). If you need access to quick cash loan payday loans to work fine but they should never be used to solve a long-term financial problem. Also, there is no such thing as a short term loan with no credit check there are equally no payday loans with no credit check no guarantor.

Since all the negative publicity surrounding payday lenders started to surface a few years back The Financial Conduct Authority had to step in and start enforcing stricter rules on all direct payday lenders who now have to follow stringent rules regarding who they lend to, how much they can lend and the maximum rate of interest which they can charge per day.

Cashutes partner panel of lenders are all fully authorised and are expected to adhere to all FCA rules, this means that you will never be dealing with companies who claim to offer payday loans with no credit check loans.

Looking for the Best Quick Loans?

Benefits of Small loans

The biggest benefit is, of course, the ability to respond to an unexpected event with a lump sum of cash. But, compared to other types of credit, there are other benefits to applying for a short-term loan through Cashute:

  • Funds in your account within the hour (hourly payouts between 6am-11pm)
  • Pay back your loan in manageable installments
  • You don’t need a guarantor
  • Borrow from £100 to £5000 (subject to affordability)
  • Short-term loans can help to build up your credit rating

Should I apply for a quick loan?

Depending on your circumstances, you should apply if:

  • Have an unexpected expense needing a lump sum
  • Would like to replace tired or worn out furniture or items at home
  • Need a quick decision at that moment
  • Do not want to take out a payday loan
  • Wish to repay your loan by monthly instalments
  • Like the peace of mind knowing exactly how much you will have to repay each month

How do I apply for a loan?

To apply for a loan is simple, collect your bank details. Provided you meet the criteria listed below you can start your application process:

  • 18 years old
  • UK resident
  • Hold a UK bank account
  • Employed with a regular salary (so you can repay the money that you borrow).
  • Bank details to hand

Once completed submit the application form by clicking on the “Apply” button and wait for a response from one of our direct lenders as soon as we find the best match for you, this should not take long.

When you receive the loan proposal can decide if you wish to proceed with offer, if you do want to proceed with the loan just apply and the funds will be deposited into your bank account within hours, always remember that you can apply with no obligation even if you have bad credit as many direct lenders support payday loans bad credit.

I am finding handing my debts difficult, what should I do?

Should you find yourself in a bit of trouble and are unable to pay the loan back you need to contact your creditor as soon as possible, also visit the following sites which may also provide you with assistance.

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