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No credit check loans for Bad Credit

If you’re considering a loan but are worried about whether bad credit could reduce your chances of being approved, you may be looking for no credit check loans.

Undergoing credit checks as part of your application is a sign of responsible lending, and doesn’t necessarily mean that you will be declined for a loan.

In fact, you could still be accepted for a bad credit loan from a responsible lender, like Dot Dot Loans.

What is a no credit check loan?

Are you trying to contact a no credit check loans lender? UK no credit check loans don’t tend to exist, although some lenders may appear to offer no credit check loans. In this case, you may still have to undergo initial checks before you complete an application with them. In fact, under consumer credit regulation, lenders must carry out credit and affordability checks.

Rules are set by the Financial Conduct Authority to ensure that customers are able to manage the repayments of any loan they take out. All lenders are supposed to carry out credit checks for this reason.

Therefore, it’s in your best interests to undergo an affordability check as part of your loan application, even if you have bad credit.

Be wary of lenders who appear to offer no credit check loans, this is either a sign of irresponsible lending or it is likely that the loans offered will still require initial affordability checks. If you need a loan and are worried about having bad credit, there are some responsible lenders who can help you, such as Dot Dot Loans.

Can I get no credit check loans with no guarantor?

Sometimes unexpected costs crop up which need to be resolved quickly. Here at Dot Dot, we can help, and you don’t need a guarantor for any of our loans - even if you have less than perfect credit.

We practise responsible lending and therefore use affordability checks to reassure both us and you that your loan will be manageable.

At the beginning of your application, we conduct a ‘soft’ credit check which helps us give our customers an instant decision. These checks will not affect your credit rating.

If initially approved for a Dot Dot loan, we will then carry out a ‘hard’ credit check. This will come up on your credit rating; however, proving that you can make repayments on time should not put your credit score at risk.

Can I get no credit check loans with an instant decision?

When you apply for a Dot Dot loan, you will receive an instant decision as to whether you’ve been initially approved or not, it’s that simple!

Of course, we are a responsible lender, and will need to carry out a ‘soft’ credit check to help us provide an instant decision. Don’t worry – this ‘soft’ assessment won’t affect your credit rating.

Can I get no credit check loans for bad credit?

Unexpected costs crop up from time to time. A less than perfect credit score doesn’t have to get in the way of accessing essential funds that you may need to cover these.

If you are looking for no credit check loans because you’re worried about having less than perfect credit, a bad credit loan from Dot Dot could help you out.

We still conduct affordability checks before issuing our bad credit loans. This check is in place to reassure both us and you that you’ll be able to manage the repayments.

How do Dot Dot loans work?

Sometimes you need funds quickly and urgently for unexpected bills. Here at Dot Dot, we understand that this situation could add pressure to your every-day life. You could ease some financial pressure with a Dot Dot loan from £100 to £5000 and choose from repayment instalments between 3 and 48 months, depending on how much you borrow.

At Dot Dot Loans, we like to keep things simple. You can apply in minutes from the comfort of your own home or even on the go.

We don’t ask for a guarantor and will provide an instant decision as to whether you’ve been initially approved for a loan. We also offer bad credit loans if you’re worried about a less than perfect credit score getting in the way.

If we say yes, we’ll transfer your money upfront and collect repayments automatically through Direct Debit. All our loans are funded every hour 24/7.

How much does a Dot Dot loan cost?

You can use our handy tool below to work out how much your loan could cost, depending on how much you choose to borrow.

Short term loan

Representative Example

Borrow £250 over 6 months with monthly repayment of £81.41. Total amount payable £488.46. Interest rate 248.19% p.a. (fixed). 824.7% APR Representative.

If you’re looking for a larger loan, check out our long-term loan calculator.

We’ll always agree on all your loan costs upfront and never charge any extra or hidden fees.

Why choose Dot Dot Loans?

If you’re looking for no credit check loans from a direct lender, a Dot Dot loan could be a suitable alternative. We are a direct lender which means that you will not pay broker fees if you apply directly through our website.

Our loans can be a suitable alternative to high-interest no credit check loans. In fact, there are plenty of great reasons to choose us:

  • Quick process: Apply online in minutes and get a quick decision. If it’s a yes, we could even transfer your loan the same day.
  • Accessible criteria: We don’t ask for a guarantor and an imperfect credit score won’t rule you out.
  • Flexible repayment terms: Choose from short and long-term repayment options of 3 – 48 months to suit you, depending on how much you borrow.
  • Transparent costs: We never charge late payment fees or other hidden penalties like some no credit check lenders do.
  • Friendly service: Our UK-based customer service team are here to help if you need advice about your loan.
  • Recommended: Don’t just take our word for it – our customers rate us ‘excellent’ on the independent review website Trustpilot.

Got everything you need?

If an emergency has left you searching for UK no credit check loans for bad credit, we could be able to offer a more responsible option.

Use our short-term loan calculator or long-term loan calculator to see how your Dot Dot loan could work. You can then hit ‘Apply now’ to move on to our short application form. We’ll get back to you right away to let you know what happens next.

Remember that loans aren’t always right for everyone, so please carefully review your situation before applying.

If you have any questions, feel free to check our FAQs or get in touch.

Borrow from Dot Dot Loans

Approved loans are funded every hour 24/7 No hidden fees or costs Less than perfect credit accepted UK based Customer Service Team

Loans from £100 to £1000

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Representative 824.7% APR

Loans from £1500 to £5000

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Representative 79.4% APR

Short-term loans: 824.7% APR Representative Long-term loans: 79.4% APR Representative