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For how long?

1 month
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I would like to borrow


£ 100

£ 10000

For how long?


3 month

48 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. Authorised and regulated by the Financial Conduct Authority.

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Credit Check Loans?


What are Credit Check Loans?


People might search for “no credit check loans” if they have a poor credit history that could prevent them from being approved for a short term loan. They may also decide to investigate this type of funding if they have no credit history, or they need money in a hurry and think that the credit check process would delay their application.

Getting a “no credit check loan” might sound attractive, especially if you have a poor credit history or if you do not want your credit file to be affected by taking out a payday loan.

Even though some lenders and brokers advertise this type of loan, all FCA regulated lenders are required to ensure that you can afford to pay back the amount you borrow and the interest.


What you need to look for

Any lender that says that they will not run any credit checks is being irresponsible, as they cannot know if you can afford to repay the money you are borrowing, and there is the risk that the lender is not regulated. Taking out a loan like this from an  ICO and FCA un-regulated lender could cause you serious financial problems.  

That is why you should only deal with a regulated lender. Even then you should carefully read the terms and conditions of the loan and ascertain how your credit file will be used before you make an application.

CashPanda is FCA and ICO regulated credit Broker, we will always put our customers fist and protect them as much as we can while they are in our portal. CashPanda only works the top with FCA and ICO regulated lenders and selective products and will uphold them to the highest standards in particular to GDPR practices.

You can, of course, check your own credit score by using the services of a credit reference agency, some of whom make a small charge and others offer a limited period free trial. Using this type of service enables you to see the information that prospective payday loans direct lenders use to determine your ability to repay a loan, but without adversely affecting your credit rating.


What if I have a bad credit score

It should be remembered that a poor credit score does not automatically mean that you will not be offered a payday loan by a reputable and regulated lender. That is because your credit score is only one of several factors such lenders take into consideration when deciding whether to offer you a loan.

Whether you have no history of borrowing or you have made some financial mistakes , it is always possible to improve your credit score. The better your credit score, the more likely you are to get the loan you want on the best terms. Here are some ways to improve your credit score:

  • Cancel any unused credit cards you have;
  • Ensure your name is on the electoral register – this can help you to get credit in future;
  • Ensure you pay the instalments on your debts on time and, if possible, repay the debt early and set up a direct debit. This shows lenders that you can manage your money responsibly and repay your debts; and
  • Do not apply for credit or a loan until your credit score has improved.

Avoid using credit repair companies that claim to be able to repair your credit score. These companies will charge a fee for doing what you can often do yourself. Others act unscrupulously and may even claim to be able to do things that are illegal.


How Cashpanda can help?

Here at, we believe in giving people the help they need to stay afloat when money is tight. We do not believe in getting people into unmanageable debt.

We at never do a credit check at the time of application but the lenders on our hub might do a light credit check that should not affect your credit score while they will access your application.

Because we only work with regulated lenders, they will carry out the necessary credit checks before finalising the loan to find out if the client is able to pay back the money they want to borrow before the lender approves the application.

Finding out if you qualify for a bad credit loan doesn’t take long, and our quick online application process means we can provide instant payday loan decisions.

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
Quick, easy and efficient service. I been approved and received the cash in the same day.
You been really helpful during my emergency. Thank you very much for your help.
These are great i only took a £200 loan same amount each month and txt and emailed when payment was due cant fault them 😊

How it works?

Fill the form - Cash loans at Cashpanda Payday loans

Apply Online

Simply fill out our secured user friendly online form

payday loans direct lenders high acceptance uk,while yet payday loan direct lenders; 

Looking for a loan - Cash loans at Cashpanda Payday loans

Finding your Loan

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

Getting your cash - Cash loans at Cashpanda Payday loans

Get Cash

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

and bad credit payday loans; so loans for bad credit no guarantor;  

Why Cash Panda?

Our mission

CashPanda’s mission is to genuinely help and protect consumers when they are in need of a Short Term Loan online in the UK. is fully regulated by the UK Financial Conduct Authority (FCA). We have High approval rates and our Panda will help you you get your short term loan online, easily, securely, and Totally Free with no obligation.   


Our new and innovative state of the art technology allows us to put you, the customer in the front while, the top lenders compete to lend you the money you need.

Transparent service

CashPanda 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 straight away

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:

Living in the UK Getting your cash - Cash loans at Cashpanda Payday loans

Be a Legal UK resident 

Instant Payday Loans Online UK

Minimum 18 Years Getting your cash - Cash loans at Cashpanda Payday loans

Be 18 years of age or older

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UK bank account - Getting your cash - Cash loans at Cashpanda Payday loans

Have a valid UK bank account, working phone and email

Instant Payday Loans Online UK

Getting the cash you need - Getting your cash - Cash loans at Cashpanda Payday loans

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

Instant Payday Loans Online UK