Debt Consolidation Loans No Credit Check

Our decision to accept a customer for a debt consolidation loan is based on more than credit scores and credit history.

Debt Consolidation Loans from £5,000 - £75,000.

All credit histories considered!

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What is a no credit check loan?

Often people search the internet for "no credit check loans", but unfortunately this type of loan does not exist.

In the UK the Financial Conduct Authority (FCA) made it a legal requirement for all lenders and brokers to carry out checks on the finances and identity of people who apply for a loan or credit agreement. This is done to ensure that:

  • The person is who they say they are.
  • The loan or credit agreement is fair for the applicant.
  • To ensure the loan or credit agreement is affordable.

There are two forms of credit checks – a “hard” credit check and a “soft” credit check. If you have a poor credit score, we recommend applying for a loan that initially only carries out a "soft" credit check. This is because "soft" searches do not harm your credit score.

Our initial online application for a debt consolidation loan includes a soft search and will not harm your credit rating.

Apply Online

What debts can be consolidated?

Once a consolidation loan is approved, you can use the money to repay your debts while just paying one affordable monthly payment. Below are some of the most common debts you can consolidate:

How could a consolidation loan help me?

A debt consolidation loan could support you on your journey towards better finances. You could benefit from:

  • Having fewer payments to make each month.
  • Simpler finances to keep track of.
  • Borrowing at lower interest rates can save you money.
  • Being able to repay your debts sooner.
  • A chance to redeem your credit score.

Check your eligibility today, your credit score will not be affected by our online application.

Do I Qualify?

Representative 12.9% APR


APR (variable)

Representative Example: Borrowing £7,500 over 60 months, repaying £167.57 per month, total repayable £10,054.20.

Total cost of credit £2,554.20.

Interest rate 12.9% (variable).

The lenders on our panel offer loans for 12-120 months, with rates from 4.4% APR to 49.9% APR.

Risks of loans with no credit check

If you find a company that is willing to accept you for a loan without conducting a credit check, this company is likely lending illegally.

Signs of spotting a loan shark include:

  • No sign or indication that they are regulated by the FCA.
  • The application process seems rushed.
  • There is not any paperwork to complete.
  • You cannot find any good reviews about the company’s service.
  • No credit check was performed before loan approval.
  • Insanely high interest and APR.

Here at Consolidation Express we are regulated by the FCA and have been voted a Trusted Service by our customers!

2022 Feefo Trusted Service Award.
Read our customers' stories

Bad credit loans with no credit check

As a fully regulated broker, we will always run credit checks on the people who apply for a debt consolidation loan with us.

Our acceptance criteria is based on a variety of factors, not just your current credit score.

Do I Qualify?

Why Choose Us?

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One affordable payment

Pay as little as £75 per month.

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Bad credit?

No problem. We consider all credit scores - even bad ones!

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Expert advice

We are experts in debt solutions.

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No upfront fees

No hidden upfront fees to worry about.

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It is fast

Get your money in as little as 2 hours.

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It is very fast

Our online application only takes minutes to fill out. Start now >

Struggling to get a loan because of bad credit?

There is no need to worry... We consider all credit histories here!

Consolidate My Debts

No credit check loan FAQs

Unfortunately, no legal company will offer a loan without running a credit check. If you are looking for a no credit check loan because you have a poor credit score, your best option is to look for a loan for bad credit.

In most cases it is a good idea to check your credit score and credit file before applying for a loan. This will give you a good indication of the likelihood of you being accepted for any new lines of credit. You can see your credit score by visiting an online credit reference agency. Usually, this is free to do and does not affect your overall score.