Help with the £Pounds you need!

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I would like to borrow £

£ 100

£ 10000

For how long? months

3 month

36 months

Representative 49.9% APR.
Representative example: Amount of credit: £750 for 12 months at £77.29 per month.
Total amount repayable is £927.48.
Interest charged is £177.48, interest rate 49.9% pa (variable).

Rates from 11.8% APR to 1575% APR – your Free, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority.
We are regulated and authorised credit broker and not a lender.

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Credit Check Loans?


Credit check loans what are they?


Individuals may look for “no credit check loan” in the event that they have a poor financial record that could keep them from being accepted for a loan. They may also choose to examine sort of payday loans or short term loans on the off chance that they have no record as a consumer, or they need quick cash and feel that a credit check procedure would defer their approval.

Getting a “no credit check payday loan” may sound good, particularly on the off chance that you have a poor credit history record in a previous or on the off chance that you don’t want your credit profile to be influenced by taking out a payday loan advance.

Despite the fact that a few moneylenders and payday lenders will have some solution saying no credit check loans, but still all regulated Payday Loans Direct Lenders and Personal loan providers are required to do an extensive affordability test, to make sure you can afford to repay loan in time and in full including the interest.


Things to look for

Any Payday Direct Lender who is saying they won’t run any credit checks is being negligent, as they can’t know whether the borrower can afford the loan, its payments and they have enough affordable money to service the loan. Applying to a scam site or an regulated payday loans or short term loan lender can create big future money problems .

That is the reason why you should only apply to a regulated broker or lender. Even after making sure the loan broker or lender are regulated you should always read and pay attention all the details in the terms and condition.

Pounds4U is regulated and will always protect and look after its clients who apply via our site. All of the lenders and the products in Pounds4U are carefully selected, continuously monitored for they compliance and GDPR practices.  

You can, obviously, check your own credit score by any of the online offers to know your score best is from a credit reference company such as Experian , some will offer a limited free of charge and others will ask for a small monthly fee. Seeing your credit score, will show you what the perspective payday loans direct lender will be seeing when you will need to assess your credit worthiness.


What can i do with a back credit score?

One should remember that a bad credit score does not immediately mean that the person will not be approved for a payday loan from a direct lender. This is due to the fact that a credit score is only one of several points that any reputable and regulated lender will look at while considering the clients application form.

Regardless of whether you have no history of applying or taking on loans, or you were late in paying some bills and other debt that you owe, one can always improve their credit score. The better your credit score, you will have better chances to be approved for a better terms.  

Below are some of the ways to improve your credit score:

  • Make sure you are registered on the electoral register.
  • Make sure you repay your debt, in time and if possible do a direct debit so you wont be late in paying your bills.
  • Cancel any unused credit and debit cards
  • Don’t apply to for any loans or credit until you improve your credit score.

Stay away from companies who claim to be able to fix your credit score. They will be charging you a big fee for simple things that you can often do yourself for free. Be carful from any companies offering trick as these can also be illegal practices. Stay away from them.


How can Pounds4U help?

At Pounds4U, we have confidence in giving our customers the help and the loan they need in the most responsible way.

Pounds4U does not do a credit check on our clients at the time of application, but the lenders on our panel might do a light credit check on each application for assessing its approval. A light credit check should not hard or effect a credit score.  

All lenders will proceed to a hard credit check before approving a loan to any customers as it is the regulations to do so and the right thing to protect themselves and the borrower.  

To find out if you qualify for a bad credit loan, simply fill out our quick and easy online application form and leave the rest up to us.

Why to choose

  • Borrow between £100 - 10000
  • We search the market for you
  • Totally Free service!
  • 100% Secured UK Site
  • No Obligation Quote
  • Leading Loan Broker
  • Your data is secure
  • One Simple Form
  • Same day Cash*
  • No hidden costs
  • No Paperwork
  • Open 24/7
Get a quote now

Please like our page!​

Excellent service. The application was processed immediately... like 50 seconds and found me a loan. Thank you... I would recommend when in need of assistance....​
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Alen Barker
London Cab Driver
Great response to my application, quick and easy straightforward process, great service all the way.
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Nurse, Manchester

How Cash Loans Online Work?

Apply Online

Simply fill out our secured user friendly online form

Finding your Loan

Our High-Tech will process your application and will look to locate the right loan for you and your circumstances.

Get Cash

Once you are approved, you will be directed to your special lender to finish the process.

Why Pounds4U ?

Our mission

Our mission is to help and protect all consumers when they are in need of a Short Term Loan online in the UK.
We offer a state of the art quick technological solution to help you getting a short term loan online, easily, securely, and Totally Free with no obligation and no commission.


Our advanced state of the art technology allows us to get all the lenders* in to our platform making the customer in the front therefore, the top lenders compete to lend you the money you need.

Transparent service

Pounds4U provide fully transparent service to find you the best** responsible and trusted lender with the cheapest interest rate (APR) possible and terms according to your own special circumstances.


It doesn’t matter if you have bad credit or poor credit, at all credit types are considered. We will use our innovative technology to find you a suitable solution quickly with an user friendly easy form.

Pounds4U is registered with the ICO and regulated by the UK Financial Conduct Authority (FCA).

Selected and
FCA Approved  panel of lenders.
According to the amount you want to borrow, and your ability to repay the loan among other factors. 

Who can apply?

To be eligible to get a loan, you need to:

Be a Legal UK resident 


Be 18 years of age or older


Have a valid UK bank account, working phone and email


Have a regular source of income (min £700 per month)