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I would like to borrow £

£ 100

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For how long? months

3 month

36 months

Representative 49.9% APR. Representative example: Amount of credit: £750 for 12 months at £77.29 per month. Total amount repayable is £927.48. Interest charged is £177.48, interest rate 49.9% pa (variable). Rates from 11.8% APR to 1575% APR - your Free*, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority. We are a credit broker and not a lender.

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Credit Check Loans?

Credit check loans what are they?

Individuals may look for “no credit check loan” in the event that they have a poor financial record that could keep them from being accepted for a loan. They may also choose to examine sort of payday loans or short term loans on the off chance that they have no record as a consumer, or they need quick cash and feel that a credit check procedure would defer their approval.

Getting a “no credit check payday loan” may sound good, particularly on the off chance that you have a poor credit history record in a previous or on the off chance that you don’t want your credit profile to be influenced by taking out a payday loan advance.

Despite the fact that a few moneylenders and payday lenders will have some solution saying no credit check loans, but still all regulated Payday Loans Direct Lenders and Personal loan providers are required to do an extensive affordability test, to make sure you can afford to repay loan in time and in full including the interest.

Things to look for

Any Payday Direct Lender who is saying they won’t run any credit checks is being negligent, as they can’t know whether the borrower can afford the loan, its payments and they have enough affordable money to service the loan. Applying to a scam site or an regulated payday loans or short term loan lender can create big future money problems .

You can, obviously, check your own credit score by any of the online offers to know your score best is from a credit reference company such as Experian , some will offer a limited free of charge and others will ask for a small monthly fee. Seeing your credit score, will show you what the perspective payday loans direct lender will be seeing when you will need to assess your credit worthiness.

What can i do with a bad credit score?

One should remember that a bad credit score does not immediately mean that the person will not be approved for a payday loan from a direct lender. This is due to the fact that a credit score is only one of several points that any reputable and regulated lender will look at while considering the clients application form.

Regardless of whether you have no history of applying or taking on loans, or you were late in paying some bills and other debt that you owe, one can always improve their credit score. The better your credit score, you will have better chances to be approved for a loan.in better terms.

Below are some of the ways to improve your credit score:

Make sure you are registered on the electoral register.
Make sure you repay your debt, in time and if possible do a direct debit so you wont be late in paying your bills.
Cancel any unused credit and debit cards
Don’t apply to for any loans or credit until you improve your credit score.

Stay away from companies who claim to be able to fix your credit score. They will be charging you a big fee for simple things that you can often do yourself for free. Be carful from any companies offering trick as these can also be illegal practices. Stay away from them.

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