6.99% Fixed Direct Lender Secured Loans for Bad Credit

Find out if secured loans are right for you in 2023.

  • Loan to value up to 90%
  • Up to 2 penalty-free payment holidays a year
  • Full open market valuations applied to all homes including flats and other leasehold titles
  • Use the money for anything you like including debt consolidation
  • 6.99% fixed for life
  • Direct lender so no broker fees

Please complete the form below and get a fast in-principal decision with no hard credit searches.

  • Please enter a number from 7000 to 20000000.
  • Please enter a number from 30000 to 30000000.
  • Please enter a number from 1 to 30000000.
  • Please enter a number from 18 to 110.

Do you have a poor credit rating?

Hard-working people know that late repayment can cause you serious money problems.  Express Finance can start to offer no credit check loans to people whose circumstances have improved.

The global pandemic has made people’s incomes quite volatile in the UK.  As a result, many people’s credit scores may be a bit reduced, and going to a traditional credit broker to get a loan may be difficult.

A no-credit check loan can be agreed upon using a no-fees loan quote, some people are looking for short-term loans, and others looking for longer-term ways to repay payday loans that have resulted in some bad credit.

Secured loans no credit check loans

Don’t even think of using loan sharks!

It’s an easy application process to get a free no-obligation loan quote without paying a fee or risking harm to yourself or your family without the need for a loan shark who is not authorised and regulated by the financial conduct authority and is not part of the financial services register under any reference number.

What about getting a payday loan – no credit check loans?

Many normal working British people go from month to month being paid and near the end of the month ending up with no money left. When an unexpected bill arrives you could be left in a very bad situation. Help is at hand with same-day payday loans.

Most payday lenders are not too bothered about your credit history, and some even have no credit check, all they really care about is your payday for your cash advance. Some online lenders can offer same-day CHAPS payment with no extra charge to your bank account.

Online payday loan websites or retail shop-based one-hour payday loans can involve a five-minute application, instant approval for many people with many circumstances, and nothing to fax or other paperwork to send through the mail.

It’s common for such companies to have friendly and helpful customer support, with an online account accessible 24 hours a day. Some lenders have rates and fees that are around £20 per £100 borrowed, which equates to over 1000% APR.

A costly Cash Advance – no credit check loans?

It’s also possible to get extensions to your online loans with no credit check too, but the interest will start to roll up – but without further credit checks.

It’s often that no fax payday loan companies require your debit card information so poor credit payday loans they can collect their payment for your cash advance. You don’t have to have a debit card, although many payday loan companies prefer it, your repayment can be done through a direct debit.

No fax lenders include flux funding limited, New Horizons Finance Limited, Flex Finance Limited, Costly Cash Advance and Morses Club are all lenders with quite high interest rates compared with the Provident who is a typical door to door loans man, who has been around a long time.

For first-time borrowers, it’s often that no-fax payday loan companies will only lend up to £300, but in the longer term they will lend up to £750.

Payday loans are only really for the short term, and because they are at such high rates.

Quick short term loans and online cash advances are popular in London and Birmingham, but have the biggest market penetration in the North of England and Scotland, in particular Leeds, Bradford, Manchester and Glasgow.

They are less popular in Essex and Surrey. Do not get so many payday loans that you need to consolidate payday loans as they are usually a very high interest rate.

If you are in the forces you could get a better deal with a choice of military payday loans.

What about fees for no credit check loans?

You have no need to worry, the express finance lender does not charge lenders fees or brokers fees.  No introducer appointed representative exists.

If you have no credit history in the UK, for example, you have only recently come to the UK before Brexit a loan with no credit could be an ideal option for you. 

No credit check loans can be released to your bank account in as little as 48 hours in some circumstances – literally like emergency loans. 

Some affordability assessments may be necessary before credit decisions can be made, which could involve an online application form by the loan applicant.

It is not registered with the information commissioner’s office.  Warning late repayment will not improve your credit and the direct lender could do damage to your credit file.

Long-term cash loans with no credit search – pay back over years not months

Loan Brokers For Bad Credit
Loan Bad Credit Instant Decision
Online Loans For Bad Credit UK
Bad Credit Loans Instant Decision Direct Lender
Halifax Homeowner Loan
No Credit Check Loans Direct Lender
HSBC Homeowner Loans

Considering fast Santander mortgages for over 70s for home improvements?

The appetite for a Santander renew mortgage is high. The main features of a Santander mortgage for over 60s are the servicing of existing revolving credit, the impact of credit defaults, the 3rd party valuation of the property pledged as collateral and the borrower not on the electoral register.

Do Natwest Do Secured Loans
Santander Homeowner Loans
Homeowner Loan TSB


no credit check loans


Are you considering a post office bank retirement interest only mortgage without an early repayment charge?

The forecast appetite for a post office mortgage review is substantial. The key characteristics of a post office retirement interest-only mortgage are early repayment fees, the effect of credit defaults, disappointing home valuation and insufficient personal income.

Is it possible to borrow money without a credit check?

It is possible to borrow money without a credit check, but it may be difficult to find lenders who offer this kind of loan. It is important to be cautious and research any potential lender thoroughly before committing to any type of loan agreement.

What’s the easiest loan to get?

The easiest loan to get is typically a secured loan, such as a car or home loan. These types of loans are typically easier to qualify for because they offer the lender collateral in exchange for the loan. They also tend to have lower interest rates and more flexible repayment plans.

Are no credit check payday loans safe?

When you’re in need of quick cash, no credit check payday loans may seem like a good option. While they may be easy to get and provide fast access to money, there are potential drawbacks. Before making a decision about taking out one of these loans, it’s important to understand how they work and the risks associated with them.

No credit check payday loans are short-term loan options that require very little in the way of qualifications or paperwork. Because these loans do not involve any kind of credit check, they are seen as an attractive option for those with bad credit or no credit history at all.
However, no credit check payday loans often come with high interest rates that can make repayment difficult. These types of loans also have higher default rates than traditional consumer loans because borrowers are more likely to default on their payments due to the higher costs involved.
In addition, many lenders who offer no credit check payday loans have lax regulations when it comes to regulation and consumer protection laws. This means borrowers might not receive the same level of protection they would from other types of lenders. If you cannot repay your loan on time, you could be faced with late fees or even legal action taken by the lender against you.
Overall, no credit check payday loans can be helpful if used responsibly but should be considered as a last resort due to their high cost and risk involved. It’s important to fully understand the terms and conditions before signing up for one of these loans so that you know exactly what you’re getting into and can make an informed decision about whether it’s right for you or not.

Are no credit check payday loans legal?

No credit check payday loans are not legal in the UK. According to the Consumer Financial Protection Bureau, laws regarding these types of loans vary from state to state. For example, in some states they may be allowed but have restrictions on how much money can be borrowed at one time. In other states, no credit check payday loans are completely illegal. It is important to understand the particular laws of your state before engaging in any type of loan.

Can I get a loan without a credit check?

The short answer is yes, it is possible to get a loan without a credit check. However, it should be noted that these types of loans often come with high interest rates and are typically offered by lenders who do not report loan activity to credit bureaus, making them less attractive than traditional loans from established financial institutions.

What’s the easiest loan to get approved for with bad credit?

Finding a loan with bad credit can be challenging, but there are options available. Many banks and financial institutions offer loans specifically designed for people with poor credit histories. These include secured loans, which require the borrower to provide collateral in exchange for the loan, and unsecured loans, which do not require any form of collateral. Other options include payday loans, cash advances, and peer-to-peer lending services. It’s important to shop around for these types of loans to ensure you find the best terms and rates possible.

Are bad credit loans with no credit check easy to find?

It can be difficult to find bad credit loans with no credit check, as many lenders will require a certain level of credit history or score in order to qualify for a loan. However, there are some lenders who specialize in bad credit loans and may not require a credit check. These types of lenders typically have stricter requirements, including higher interest rates and fees, so it is important to shop around and compare offers before deciding on one.

Where do I get guaranteed approval no credit check loans?

If you’re looking for guaranteed approval no credit check loans, you might have better luck with some alternative lenders. Many of these lenders offer short-term loan options with flexible repayment plans tailored to meet your needs. However, it’s important to research the lender thoroughly and make sure they are reputable before signing any agreements.

Is it easy to find small payday loans online no credit check?

Yes, it is relatively easy to find small payday loans—or “quick cash” loans—online with no credit check. However, it’s important to note that the interest rates for these types of loans can be very high and should only be used as a last resort when other more affordable options are not available.

Can I get payday loans online with no credit check?

Yes, it is possible to find payday loans online with no credit check. However, the interest rates for these types of loans can be very high and should only be used as a last resort when other more affordable options are not available.

Are instant loans with no credit check dangerous?

Yes, instant loans with no credit check can be dangerous. Since the lender does not run a credit check, there is no guaranty that the borrower will pay back the loan. The terms of these types of loans may also be unfair and leave borrowers vulnerable to predatory lenders. It is important for borrowers to always read the fine print before signing any loan agreement.

Are UK short term loans no credit check popular in 2023?

It appears that UK short term loans with no credit check are becoming increasingly popular in 2023. With the number of people facing financial uncertainty due to the pandemic, many are opting for these types of financing to help make ends meet. The short-term nature of the loan helps borrowers to more easily manage repayment and minimize potential negative effects on their credit score.

UK no credit check loans repayment terms