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Rates from 35.9% APR to 1304% APR. Minimum Loan Length is 3 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

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The truth about no credit check loans

No Credit Check Loan Are you in the position where you need to apply for a short-term loan but are worried that your credit score might hold you back? If you have been searching on the internet for a loan product to suit your situation, the chances are that you have come across “no credit check loans”. You may well be skeptical; the idea that lenders might approve your loan application without conducting a credit check sounds almost too good to be true, doesn’t it?

Well, we’re here to tell you that it isn’t necessarily too good to be true, but it is slightly more complex than we are often lead to believe. Let’s get the bad news out of the way first and foremost: there is actually no such thing as a “no credit check loan”. However, many lenders are now moving away from the traditional credit check method of assessing loan applications, so your actual credit score may not be taken into account and you could be eligible for a loan, even with a poor credit rating!

How your credit score affects traditional credit checks

If you have ever had a credit card, rental agreement, phone contract, loan or any other contract of this nature, you will have a “credit score” with one (or all) of the major credit referencing agencies, Equifax, Callcredit or Experian. Your score reflects how well you have managed your financial agreements in the past and whether or not you have kept up with payments. Traditionally, lenders would base their decision to award you a loan on your credit score; if you had trouble managing money in the past they would consider you too high a risk and decline your application.

There are a couple of problems with this method of decision making. Firstly, having a good financial history does not necessarily mean that you can afford to borrow now. So lenders ran the risk of awarding loans to customers with shining credit scores, but who actually couldn’t afford the repayments – which is bad news for everybody! On the flip side of this coin, is the problem that good potential customers who could afford a loan in the present were being turned away due to past financial problems. Consequently, many online lenders have found a better way to go about things…

What the term “no credit check loan” really means…

No Credit Check Loans Any loan which is advertised as a no credit check loan will still require the lender to access your credit report. However, rather than performing a traditional credit check, the lender will use what is known as a “soft search” of your report. Soft searches do not mean that your application will be based on your numerical credit score. Instead, your prospective lender will access your credit file as a way of confirming important information, such as your identity and address.

When it comes to making a decision on your loan application, more and more lenders are choosing to use their own system of scoring, awarding or deducting points based on the information you provide on your application form. In most cases this is a far more effective method of calculation, as the resulting decision will be based on your current income and affordability, rather than some figure from the past which may or may not accurately reflect your current financial situation.

So, applying for a no credit check loan will still mean that your credit file is accessed, but no mark will be left on your file if your application is declined and the decision will not be based on your credit rating. This means that more people are able to get access to the emergency money they need without their credit rating getting in the way! If you are worried about your credit rating, a no credit check loan could indeed be the right choice for you – apply now to see if you qualify!

Green Leaf Loan Group could increase your chances of getting a loan!

We compare your application to loans offered by dozens of reputable lenders. The scoring system used to access your application will differ slightly from lender to lender, so being turned away by one company does not mean you will be turned away by the next! Jump straight to our quick and easy online form or handy mobile app to see if we can help you find the loan you need, today. No credit check loans can be a sensible borrowing option.

As your application will be based on affordability rather than your credit score, no credit check loans can actually be a safe and responsible short-term cash flow solution. Your potential lender will carefully consider your ability to manage a loan and will only make you an offer if they feel you are comfortably able to meet the repayments – so you can trust that you’re in good hands!

Make sure that you fill out your application honestly and consider other funding options before applying for a loan. Failing to pay back your loan can eventually result in debt collection activities.

Why might you apply for a no credit check loan with Green Leaf Loan Group?

No Credt Check Loans You are under no obligation to accept a loan you are offered and the result will not affect your credit score! The application process is designed to be user-friendly, quick and efficient. You could receive an instant decision and once you have signed your agreement online, your cash loan could be paid to your bank account in under an hour.

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