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No Credit Check Loans

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Warning: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK
Credit subject to status & affordability assessment by Lenders.
Oyster Loan is a credit broker and not a lender

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Representative APR example

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative APR Example: On an assumed loan amount of £1,000.00 over 18 months. Rate of interest 71.3% per annum (fixed). Representative 99.89% APR. Total amount payable £1,655.10 of which £655.10 is interest. 18 monthly repayments of £91.95.

What is a No Credit Check Loan in the UK?

There is a marketing gimmick on Google that a no credit check loan is a short-term loan that is given to a borrower without conducting any credit checks on their report,. However, in reality, such loans are illegal and invalid in the UK. Generally, lenders use a soft credit check to assess the affordability of loan repayment before providing an initial loan quote to the borrower.

A soft credit check helps in protecting your credit score as it doesn’t leave any footprint on your credit report. That means you get an idea of what rates of interest you will be offered without affecting your history.

Can I Get a Short-term Loan with No Credit Check in the UK?

No, there is no such thing as loan without credit check. The financial regulator of the UK – the Financial Conduct Authority – has made credit checks mandatory. Borrowers used to borrow a hefty amount of money and when they failed to repay, they had to pay more than twice the borrowed loan amount. Hence, a proper review of the credit history will a lender to evaluate a borrower’s financial conditions and his capability to repay the loan so that the borrower doesn’t get caught in a debt trap.

You may avail short-term loans with no guarantor to cover your emergency expenses. These loans don’t require any collateral or guarantor. Moreover, they are easy to use and are quite flexible in terms of repayment. A borrower may repay the loan within a period of a year in easy monthly instalments. You can check Oyster loan for no processing fees no guarantor loans.

Benefits of an online Loan with a Credit Check UK

Considering the aspect of financial management, there are several benefits of availing a loan with credit check rather than falling for a trap of availing loan without credit check

  • Safe: If you decide to choose a lender or credit broker who conducts a formal review of your credit history, then you are in safe hands. The lenders and the credit providers are responsible enough to know your financial circumstances to help you avoid any adversities.
  • Reliable: The FCA has made it mandatory to run a check against a credit report before availing a loan. Suppose, you have opted for a payday loan with no credit check from a lender and after that, you face some serious troubles, you cannot report it to the FCA.
  • Credit Score: Once you take a loan from a lender who runs credit checks, there are chances your credit score may improve if you follow the repayment schedule.
  • Regulated: All the FCA authorised lenders to prefer to conduct a credit check or else, they may get into serious trouble by the administrators. Those lenders will never create any unnecessary trouble and they will follow all the rules of the regulator to avoid any inconvenience.

Borrow Safely – With Oyster Loan in the UK | No credit check loans is a false trap

Oyster Loan is an FCA registered credit broker that deals with a panel of FCA authorised lenders of the UK. We promote responsible lending and hence, our lenders conduct a credit check to safeguard the interests of the borrowers. We deal in a wide variety of short-term loans to cater to the financial needs of borrowers.

We do not charge any upfront fees and our simple process of a loan application will help you avail a loan in a relatively faster time and in a trouble-free manner. Borrowers must repay the loan on time to avoid any negative impact on their credit score. And timely repayments always contributes to building a good credit score.

We strive to maintain the standard and fair industry practices to enhance transparency and systematic approach in our conducts.


Oyster Loan is a licensed LOAN BROKER and not a lender. The website is registered in the UK and is authorised and regulated by the FINANCIAL CONDUCT AUTHORITY (FCA). WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYHELPER.ORG.UK.

Oyster Loan does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loan and requesting you to make a payment, report it to

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

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Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom £100-£35000
+44 203 633 1699
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