Finding a loan that best suits your financial circumstances can be a stressful experience at the best of times. Finding no credit check loans can sometimes feel like an impossible one.
If you’re searching for ‘no credit check loans’ then you certainly don’t need us to tell you the importance of having a good credit score.
The higher your score, the better your chances are of being approved for loans, credit cards, mortgages etc. You’re also far more likely to be offered a better rate of interest.
Lenders don’t do credit checks to pass judgement on your spending choices. They do them to see how much risk there would be attached to lending you money.
Unfortunately for borrowers, this process can all feel a little ‘black and white’, with a slightly less than perfect credit score often meaning you won’t be accepted.

Why is PCCU different from other lenders?

We should start off by saying that at PCCU we do perform credit history checks on some applications.
But that doesn’t mean if you’re looking for ‘no credit check loans’ you’ve ended up in the wrong place. Not at all.
What sets PCCU apart from other lenders is the fact we don’t operate on a computer says ‘no’ basis. Each and every application we receive is assessed individually by a real person.
What does this mean?
Well, it means that our experienced and knowledgeable staff take into account all the circumstances surrounding your finances. This includes affordability, income, expenditure, payment history – and only lend amounts we are confident you can afford to pay back.
It means you have the best possible chance of being approved for a loan; rather than your application being at the mercy of an automated algorithm.
For those solely in the market for no credit check loans, then our £500 family loan and saving scheme could be right up your street.
This scheme is available to anyone in receipt of child benefit and does not require a credit check only an affordability check. We aim to reach a decision within one working day, and if successful can make a £500 BACS payment that same day.

What else does PCCU have to offer?

‘No credit check loans‘ are just a very small part of what PCCU has to offer.
Fast decisions – usually within 24 working hours. No early settlement penalties. No setup fees. And loans from £150 all the way up to £15,000.
Most importantly, we’re an organisation you can trust.
That trust is borne from four decades of dedicated service, helping our account holders to provide a better future not just for themselves, but their families, their children and their grandchildren.
This could be through our low interest rates, our save as you borrow scheme, or the friendly, helpful advice we happily provide on topics such as ‘no credit check loans’.