When you have a bad credit history, getting a short term personal loan can be difficult

Representative 49.7% APR

Representative example: Borrowing: ?1,200 Interest: 0.34% per day for up to 75 days (124% per annum, variable) Representative: 49.7% APR (variable)

We match your details against 40+ direct lenders to find you the best quote. No obligation. No impact on your credit score•

Representative APR 8%

Representative example: ?500 borrowed for 90 days. Total amount repayable is ?. Interest charged is ?, interest rate 140.0% (variable).

Short Term Loans No Credit Checks

Too many lenders either won’t extend credit to those with poor credit ratings, or cause further damage by undertaking hard credit checks before extending an offer. Those few lenders who might consider those with bad credit often don’t give competitive rates. If you find yourself in this position, the service we offer here at Now Loan may be helpful.

How NowLoan Works

Now Loan uses intelligent software to connect your application with an array of lenders with different lending criteria. We’ll connect you with payday loan no bank account Eaton OH short term loan providers willing to lend to you from our extensive lending panel. We won’t do a hard credit search when retrieving your quote (although upon formal application the lender likely will).

Apply Without Leaving a Credit Footprint

In just a few minutes, you could find out how likely you are to get the short term loan you need with no hard credit checks done in the process!

We will conduct a soft search in order to get an idea of your history so that we can determine which lenders on our panel will accept you. Once the results are in (which is usually right away), we’ll redirect you so that you can view the deal in detail. No hard credit checks until you click ‘yes’; which means there are no nasty surprises for you or your lender!

Gentle Checking, Ethical Lending

Of course, when it comes to personal loans (short or long term) no lender will extend credit without undertaking any checks. However, by undertaking one soft search and using the results to approach lenders that we know are open to those with poor credit, Now Loan is gentle on your credit score.

Get Your Quick Quote

Our application process is safe and easy; you can fill out our form in less time than it takes to have a cup of coffee (why not do both at once?), and you’ll get a decision in seconds. Once you review your best offer, all you need to do is decide whether it ticks all of the right boxes for you.

As we work with a number of finance providers, the time which you will have to wait before receiving any funds can vary. However, many of the lenders we work with offer same-day or next-day payment, and some will send the money to you within the hour!

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NowLoan is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

does not charge customers a fee for using its broker services, but it might receive a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website.

NowLoan is a registered trading name of PJG Financial Limited which is authorised and regulated by the Financial Conduct Authority under reference number: 919697. PJG Financial Limited is registered in Scotland (company number SC535782), registered office 272 Bath Street Glasgow G24JR. We’re a fully regulated and authorised credit broker and not a lender.

* Although lending partners initial eligibility checks involve a soft pull of your credit information, and there is no impact on your credit file at this stage, lending partners may subsequently conduct a hard search, prior to finalising your loan offer. This hard search would stay on your report for 12 months.

?subject to lender requirements and approval. It may take longer for you to receive your funds. This will depend on your lender, whether your bank accepts faster payments and whether the lender requires any additional information or documentation from you to progress your application.