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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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:
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 OnlineOnce 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:
A debt consolidation loan could support you on your journey towards better finances. You could benefit from:
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.
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:
Here at Consolidation Express we are regulated by the FCA and have been voted a Trusted Service by our customers!
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?
One affordable payment
Pay as little as £75 per month.
Bad credit?
No problem. We consider all credit scores - even bad ones!
Expert advice
We are experts in debt solutions.
No upfront fees
No hidden upfront fees to worry about.
It is fast
Get your money in as little as 2 hours.
There is no need to worry... We consider all credit histories here!
Consolidate My DebtsUnfortunately, 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.
