No Credit Check Loans

Representative Example: Borrow £400 for 4 months, 4 monthly repayments of £149.37. Total repayment £597.48, interest rate p.a. (fixed) 255.5%. Representative APR 939.5%. Compare Moneyboat loans.

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

Moneyboat's service is rated Excellent

No Credit Check Loans

Looking for information on no credit check loans? Find out why these types of loans are illegal, and why Moneyboat doesn't offer them. Moneyboat’s payday loan is much more fair, flexible, and responsible. Our payday loan service is easy to apply to, and as a new customer, you could receive a loan ranging from £200 to £800 without any hassle or delay.

Representative Example: Borrow £400 for 4 months, 4 monthly repayments of £149.37. Total repayment £597.48, interest rate p.a. (fixed) 255.5%. Representative APR 939.5%. Compare Moneyboat loans.

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

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Apply for a loan hassle-free with an easy application process.

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    Get the money you need sent directly to your bank.

      Flexible Lenders 1


      Free application process with transparent borrowing charges.

      Moneyboat's service is rated Excellent

      Can I get a payday loan with no credit check?

      All lenders, from payday loan providers to mortgage lenders, are required by law to carry out credit checks before lending, so, legally, short term loans without a credit check simply don’t exist. This is because there are standards that we need to meet to help us be responsible and trustworthy for all our customers, and that means we need to check if you’re able to pay back your debts, which does involve running a credit check.

      If you have a bad credit rating, and you need a loan to cover some emergency costs, Moneyboat can find ways to help, as we consider every application on a case-by-case basis. It’s important to be careful when considering taking out any type of loan - make sure you read the terms and conditions carefully and only borrow what you can afford to pay back.

      Remember, it’s much better to take a loan from lenders that provide loans legally and with authorisation from the Financial Conduct Authority. It can also be beneficial to check out loan alternatives, such as borrowing from friends, getting a wage advance, or a guarantor loan.

      Why can’t you get bad credit loans with no credit check from Moneyboat?

      Moneyboat does not provide these types of loans because we have a responsibility to all our customers to ensure that they don’t borrow money that they cannot, or will struggle to, pay back in a timely manner.

      When you apply for a Moneyboat loan, we’ll check that you have adequate income to repay your loan and that you don’t have a history of significant problems with debt. We do this with a credit check and it’s a vital part of the lending process. You can find more information in our guide on how applying for a loan can affect your credit score.

      Moneyboat's service is rated Excellent

      What’s the alternative to no credit check loans?

      If you're looking for loans but have a poor credit rating, we understand it can be challenging. As we mentioned above, Moneyboat is a lender which operates legally with authorisation from the Financial Conduct Authority. Therefore, we’re required to conduct credit checks before approving any loans, to ensure that vulnerable individuals are protected from taking on debt they can't afford or getting caught in a cycle of borrowing.

      We offer loans to new customers ranging from £200 to £800, with repayment over a minimum of two instalments that can be weekly or monthly, depending on your pay dates. This means you won't have to repay the entire loan balance on your next payday..

      For existing customers who have passed our application process and credit checks, you can borrow up to £1,500. We don't require full repayment within 60 days and you can repay your loan early without incurring any penalties or fees within a maximum of six months.

      How to apply for a 24-hour loan with Moneyboat

      1. Click on the “Apply Now” button and fill in our free and easy, online application form.

      2. We'll then carry out credit and affordability checks.

      3. Sign and send back your loan agreement which will be sent to you via email subject to approval.

      4. Receive your cash directly into your UK bank account.

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      Credible Direct Lending

      We provide a payday loan directly to our customers, without any involvement of intermediaries.

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      Diverse Borrowing Options

      For first-time borrowers, loan options are available from £200 to £800, while existing customers can borrow up to £1,500 after passing our credit checks.

      Payday feature

      No Guarantor Required

      We offer affordable loan solutions based on your unique financial needs, so you don't need a guarantor to apply for our payday loans.

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      Supportive Advisors

      Our friendly and experienced team are available to assist you throughout the entire application process and answer any queries.

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      Can I get free financial advice in the UK?

      If you are struggling with your finances or not sure where to start, there are many options offering free advice. The below companies are authorised by the FCA and offer free financial advice:

      • MoneyHelper: Government service offering free financial advice by chat, WhatsApp or phone

      • Shelter: Free advice on debt, housing and healthcare by phone and chat

      Other resources for help with debt:

      How can I make a complaint?

      Please take a look at our Complaints Procedure page or contact our friendly customer support by mail or phone.

      Representative Example

      Based on the last working day of each month

      Interest rate 255.5% pa (fixed) Representative 939.5% APR

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

      *Our guide to financial promotions:

      For everything else, please contact us, we'd love to hear from you...

      Getting in touch

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      Moneyboat Customer Service

      • Postal address :

        3rd Floor Newman Flexible Workspace 2/2a Newman Road, Bromley, Greater London, BR1 1RJ

      • Our office hours :

        Weekdays 8am to 5pm
        020 3818 7470

      • Send us an email :