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No credit check loans

If you're looking for a loan but are worried about a less than perfect credit score reducing your chances of being approved, you may be looking for no credit check loans.

This type of loan is uncommon as most responsible lenders will usually want some proof that you will be able to afford your repayments.

In fact, undergoing credit checks as part of your application is actually a sign of responsible lending, and doesn't necessarily mean you will be declined for a loan. Responsible lenders like Morses Club use credit checks to help provide assurance that the loan will be manageable for you. These checks usually only become visible to other lenders on your credit file once you have applied for a loan.

Credit checks are a key aspect to getting a loan, as responsible lenders can't provide a decision on your application without looking at your credit file.

Find out more below about the importance of credit checks, and how Morses Club could help you get the funds you need.

Can I apply for no credit check loans with an instant decision from Morses Club?

No - at Morses Club, we aim to provide an initial decision on your loan application as soon as possible. However, we always conduct affordability checks as part of every application.

If you are worried about having less than perfect credit, you could still be offered a bad credit loan from Morses Club, following your affordability assessment. This is because we don’t just look at your credit score. Morses Club will consider all of your circumstances, such as income and outgoings, before making a decision.*

*Excludes people who have been declared bankrupt, applied for Sequestration, had a Debt Relief Order or an Individual Voluntary Agreement within the past 6 years.

Can I apply for no credit check loans from a direct lender?

No - we are a responsible lender and therefore undergo a credit check and take part in an affordability assessment as part of your application. This does not necessarily mean you will be declined for a loan, even with less than perfect credit. It just provides reassurance that your loan will be manageable.

Morses Club is a UK direct lender, which means that you’ll only ever deal with us throughout the application process and beyond.

How do loans from Morses Club work?

Morses Club is the UK’s leading doorstep lender with a network of agents right across the UK, offering loans between £300 and £1000. Our loans for new customers are repaid in fixed weekly instalments over a 35 or 52 week period, depending on the amount borrowed.

If you are approved for a loan in principle after completing our online application form, one of our friendly agents will phone to finalise your loan, should you wish to proceed.

During this process, you can choose whether you would like your agent to deliver your cash to your front door, or have your funds deposited directly into your bank account.

You will also be able to decide whether you would like your agent to collect your loan repayments from your home, over the phone, or if you would prefer to make repayments online via our Customer App.

Why not use our loan calculator below to explore your potential loan options with Morses Club.

I'd like to apply for... £300.00
£300 £1000
Paying back over...
Repay... £10.00 per week
Interest rate 75.0% APR 498.34% Finance charge £150.00 Total to repay £350.00
Repay... £10.00 per week
Total to repay £350.00
Existing customers can borrow between £100 and £1500 subject to approval, please login here
Minimum Term 35 weeks
Maximum Term 52 weeks
Maximum Apr 498.34%

Why should I choose Morses Club?

Morses Club Is a reputable direct lender with a history of over 130 years, offering a personal lending service thanks to our friendly network of agents.

If you are worried about undergoing credit checks because of a less than perfect credit score, one of our bad credit loans could still help, subject to affordability. This is because we consider more than just your credit score and look at other factors before making a decision*.

*Excludes people who have been declared bankrupt, applied for Sequestration, had a Debt Relief Order or an Individual Voluntary Agreement within the past 6 years.

In fact, there are plenty of great reasons to choose us:

  • Initial online decision
  • No hidden charges or administration fees
  • No guarantor needed
  • Fixed weekly payment amounts
  • Friendly agent home-collection service or repay online
  • Fixed interest rates

To find out what our customers think, you can read some of our testimonials.

We encourage that you always review your circumstances carefully before applying for a loan. If you have any questions or queries about Morses Club loans, please contact us and one of our friendly customer service team will be happy to help.