Short term loans, no credit check?

£100 to £5,000 paid out by 11:05pm*

Fast 3 to 36 month loans.

  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender's requirements and approval. *Once approved, your cash could be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Upwards is a registered trading name of Upward Finance Limited which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker, not a lender.

Short term loan no credit check, can I get one?

Upwards is a credit broker who is fully authorised and regulated by The Financial Conduct Authority. All companies who provide credit are required by law to complete a credit search. Short term loan providers are no different. While they are able to offer loans for bad credit, they are still required to do the mandatory searches along with all other credit providers. In short, that means there is no such thing as a short term loan with no credit check.

Short term loan with no credit check questions:

Q1 – I have bad credit, will a credit check stop me from being approved?
Q2 – Do Upwards use Soft Search?
Q3 – Which loan company is best for customers with bad credit?
Q4 – Can I apply without damaging my credit score?

Some lenders will not lend to customers with a bad credit rating. We believe that just because you may have experienced some credit problems in the past, it shouldn’t mean you can’t borrow money. Working with a great panel of specialist lenders, Upwards is well placed to help you find a loan, no matter what your circumstances. Lenders will look at many areas when deciding whether or not to approve a loan application. Credit history is, of course, one of them. In addition to this, lenders will look at your income and expenses to assess your ability to repay the loan. Residential and employment status’ is also taken into consideration, amongst other things.

Try our No Obligation Eligibility Checker

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Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

Do Upwards use Soft Search?

As a credit broker, Upwards does not perform a credit check. We work with a panel of lenders to find customers who need to borrow money the best short term loans for their circumstances. All of the lenders that we work with use Soft Search technology, this means that when you apply for a loan through Upwards, it does not have an impact on your credit score. A soft search acts like a background check and is used by lenders when initially assessing an application, this search cannot be seen by other lenders. It is only after you have been approved for a loan and you decide to proceed that the lender will perform a hard search. This is completed with your permission when you are ready to take out the loan. A hard search can be seen by other lenders and multiple hard searches can have an adverse impact on your credit rating.

If you have bad credit and have been declined for credit, knowing where to turn next is a difficult decision. As a licensed loan introducer, Upwards work with a variety of lenders and brokers who specialise in helping customers who have been declined, find affordable credit. By completing an online application, you will get a decision in seconds and if approved, the money could be sent to your bank within 15 minutes*.
If you are looking for bad credit short term loans and have been declined elsewhere, this soft search technology is extremely useful as it allows you to apply with the confidence that your credit score is safe from further harm. The soft search is not seen by other lenders so does not count against you. If you decide to proceed with the loan, a hard search is completed at that stage and is visible to other lenders.
  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

Your Loan Starts Here

Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • Only takes 2 minutes to complete
  • No impact on your credit score
  • Get an instant, no obligation quote
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