The Very Best Loans with Loantra
Short-Term Loans
Apply Today to Borrow up to £995
*Online decision
*Responsible lenders
*Rates from 278% to 1576%
*3-12 month repayment
Personal Loans
Apply Today to Borrow up to £25,000
*Instant Decision
*60-Second Application Form
*Rates from 4.7% to 278%
*3-36 month repayment
What Loantra can do for You
Small Loans Without Credit Checks
Do you need small loans without credit checks?
If you have a bad credit score, then it can sometimes feel like you contracted cooties. Suddenly, no lender wants to deal with you and you can find your custom being turned away everywhere you go. It’s certainly not a nice feeling and it can be particularly distressing if you badly need the money in order to afford reparations to your home, to run your vehicle or to keep up with your financial commitments.
Fortunately, there is always a way and with so many different financial products available you can almost always find a solution to suit your requirements. Let’s take a look at some of them…
Payday Loans
Payday loans are small loans that you take out over a short period of time and usually pay off in a single payment. These loans tend to come with very high APR, meaning that you are paying a lot of interest over the course of a year. But because the amount is so small and the duration is so short, this won’t usually be a problem.
When you take out a payday loan, you’ll normally be paying it off over a couple of weeks or maybe months and by choosing the duration and amount using an online tool, you should be able to get an accurate prediction for the total you’ll pay including fees. Because the loan is so small and the APR is so high, these companies can normally afford to offer their small loans without credit checks.

Installment Loans
If you need a little more money over a slightly longer period though, then installment loans may be a safer option. These are loans that are similar to payday loans except that you will pay them off in a series of small installments and the APR will likely be closer to 50%.
A great added advantage here is that by using installment loans, you are making multiple smaller payments and thereby demonstrating an ability to make repayments on time. This is great for your credit score and can fix the bad rating you had previously.

PayPal Loans
If you can’t find a loan you like online, another option is to try a PayPal loan. The fees here are actually relatively very high – possibly even comparable to some payday loans. However, because you are going through PayPal, your eligibility is based on your use of PayPal and not your general financial history. And failure to pay back the loan won’t result in any marks against you. Repayments also come out of payments you receive via PayPal!
Pawnbroker Loans
Another way to get small loans without credit checks is to go to a pawnbrokers and offer an item as collateral. They will assess the value of the item and then use this as a way to secure the loan.
There are more ways to get small loans without credit checks too, so keep looking and don’t give up. If you need the money, you should be able to find at least one option that will be suitable for your requirements.
See How We Compare to Our Competitors
Representative example
Representative 49.9% APR (variable). Borrowing £4000 over 36 months, repaying £195.16 per month, total repayable £7,025.76. Interest rate 49.9% (variable). Repayment terms available between 1 and 5 years. Maximum APR 99.99%
Representative APR Example:
Borrow £2500 and pay £ 168.35 per month for 18 months with a fixed interest rate of 22.6% per year. The total interest for the loan is £480.31. The Total Repayable is £3,030.31.
Loantra is a licensed credit broker and not a lender.
We will never charge you for our service and the lender will not increase the rate to cover our fee to them.
We work with over 40 different lenders to bring you the very best rates from across the UK market.
Representative 305.9% APR. Representative example: £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)
Warning: Late repayment can cause you serious money problems. For help, go to moneyadvice.org.uk.
Do not borrow more than you can pay back as defaulting on payments can lead to serious monetary problems.
Any collateral you have against the amount may be at risk of repossession.
5 most recent personal loan reviews

My personal loan from NatWest was planned in advance because I like to do plenty of research before committing to something as important as a building extension. I wanted to make sure the loan would be possible and that it was at a competitive rate before I started employing architects and builders. I was in regular contact with our local branch’s loan adviser and they finally sorted out a very good loan for me and once that was agreed I got on to the job of planning this extension. We’d already had the go ahead from the local council so it was all systems go once that all important loan was finalised. Sometimes it’s best to deal with your own bank for such an important loan and I am pleased that I entrusted NatWest with my loan.
Review posted by Wayne Crouch, Plymouth
- Customer Service
- Flexibility
- Ease Of Use
- Value For Money

In our position your company treats us well. We have the income but unfortunately due to circumstances beyond our control our credit rating is bad. Thank you Uswitch for giving us a chance.
Review posted by Neil Morrison, Perth
- Customer Service
- Flexibility
- Ease Of Use
- Value For Money

Suprised at ease of application. Never wanted to use these kind of things but had a very tough month and needed a few pounds before payday. After checking different options I found the small amount to payback manageable and it’s all payed back 2 days after payday. Easy process with quick response.
Review posted by Anthony Bell, Chelmsford
- Customer Service
- Flexibility
- Ease Of Use
- Value For Money
All reviews have been sourced from Trust Pilot to ensure authenticity of testimonials.