No Credit Loans

Have Zero Credit Rating? Proper Finance Can Help

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.

Find a Loan with No Credit

If you have no credit, such as having a bad credit score or you have not had a chance to build up credit, you may find it difficult to access finance and loans when you need them. Whether it is personal loans or credit cards, these can be hard to access if you have no real credit history.

At Proper Finance, we are here to help, whether you need money for emergencies, an important purchase or to buy a property. We work with the esteemed Lending Expert who have access to UK lenders and by offering secured loans for bad credit, you can use any property that you own in partial or outright to access £10,000 or more.

Simply click on the ‘apply now’ button below to enter you details and our partner and their advisors will be in touch with you as fast as possible.


Can You Get a Loan With No Credit?

Yes, it is still definitely possible for you to get a loan if you have no credit, or if you have a poor credit history.

Whilst bad credit loans are not always offered by every lender, Proper Finance does work with a number of reputable lenders who do.



We Run Soft Searches

When you make an application with Proper Finance, our partners will carry out a soft credit check on your file to ensure that you would be a suitable applicant for a loan.

You may be worried that this may have a negative impact on your credit score. Don’t worry!

Soft searches aren’t visible to companies – so they have no impact on your credit score or any future credit applications you might make. Only you can see them on your report.

loans with no credit


Can a No Credit Loan Help Me?

If you decide to apply for a no credit loan with Proper Finance, you could help to get your credit record back on the right track.

This is because as long as you take out a loan you know that you can afford (therefore always carefully check the terms and conditions of any loan agreement with a lender prior to accepting it) and keep up with the repayment plan and also pay off the loan in time, all can help to improve your overall credit score, or build your file in the first place.

This is because your credit score never remains static: it can go up and down due to a number of factors.

So don’t worry that you will always be stuck with a low credit score: there are different ways to get yourself out of the situation if you are willing to tackle it in a sensible manner.


Key Features Of A No Credit Loan

Loan Amount £10,000 to £500,000
Loan Duration 3 to 30 years
Rates From 6.5% APR
Bad Credit Accepted Yes
Direct Lenders Yes
Security Required Yes
Free to Apply Yes
Bad Credit Accepted Yes


What Types of No Credit Loan Can You Get?

There are certain products where the lenders are able to accept no credit, or where credit checks play less of a role. Specifically, homeowner loans and secured loans use valuable assets, such as your home, in order to help you get the loan you need.

Whether you own a house, flat or other property, you can use this as security and during the loan term and the lender is able to advance you £10,000 to £500,000 depending on the value of your asset.

Once the loan is repaid in full over 3 to 30 years, if you fail to repay and no repayment plans can be concluded, the lender may be able to repossess your property to cover their costs.


no credit loans


Can I Get a Secured Loan With No Credit?

Yes, it is possible to get a loan with no credit if you use security, especially if you have something value. Some lenders will run credit checks, but some will be willing to take a view and consider applications with security such as:

  • Flats
  • Bungalows
  • Homes

If you did not keep up with repayments, it is important to note that you could lose your property.


Who Can Apply For A No-Credit Loan?

The exact eligibility criteria will vary amongst the different lenders that Proper Finance works with, but factors can include:

  • To be aged over 18
  • To be able to afford loan repayments, usually having an income of at least £500 a month
  • To be a UK based resident
  • Employed, part-time or full-time
  • Have a working phone, email address and bank account
  • Requires security in the form of your property, house or flat


How Can I Apply For A No-Credit Loan?

To get started, click on Proper Finance’s apply now button in order to fill out an application form.

To complete it will take you less than 5 minutes, and you will receive a fast decision too.

No need to have to wait and wait about a decision on your no credit loan! So get started today.