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In a past query we addressed high acceptance loans. It was covered there that all known active lenders do run searches today. Some companies may have higher acceptance rates than others, but it has never been easy to quantify this. On this page we will be looking at the current high acceptance no credit check loan options across the local market. In UK subprime lending there is only one niche whereby checks are not commonly processed by multiple competing lenders. This is the logbook loan sector. This field differs to other subprime markets due to the agreement being secured that enables them to cater a wider target audience.
If an agreement isn’t met with a payday lender then the common route is for the account to be defaulted and it will then be sold on to a third party debt collector (often for a fraction of its value). With secured logbook agreements, they can legally take away your vehicle if you don’t pay them and so they have greater freedom to take more risks in lending decisions. They usually lend up to 75% of the vehicle’s value. They commonly require cars less than 10 years old (unless prestige) and so not everyone can meet this demand. For those that can, logbook lenders offer very high acceptance with no credit checks required.
Regardless that no search is made, it doesn’t matter if you have a CCJ or several defaults. They do however commonly request documents that would be recent bank statements heading back a few months. Pay slips may be required, but less so since they tend to target the self-employed. Bank statements help to demonstrate that you have a wage coming in and that you can meet the proposed repayments. Logbook firms may cater more people, but they aren’t likely to accept those where the risk is too high. The last thing they want is to run through the process of repossession that is expensive, time consuming and damaging to their reputation (through negative feedback online).
With the element of risk comes high pricing. Considering that the agreement is secured, you’d expect the rates to be much more reasonable though. However, for a £1000 sum taken over a year you can often pay well over £1000 in charges. For a competitive deal, this is where guarantor lenders can step in. These are also high acceptance loans, but credit checks are processed both on the applicant and on the guarantor. The search just checks that the applicant isn’t currently bankrupt or on an IVA. If they are discharged then this isn’t much of a problem and CCJs, defaults etc should be fine. All that counts is that the repayments can be met.
Scoring is only important on guarantors. Should payment problems occur then the lender simply turns to the guarantor who takes full responsibility. Anyone backing the agreement must have a clean profile, but there is no requirement on homeowners with a selection of specialist providers today. The chance of default in this sector is low that has resulted in significant growth in recent years. Market choice is continually growing and newer companies have been raising their game edging out the competition. This has resulted in lower rates, same day payouts, tenant backings etc. For a £1000 over 12 months you typically pay around £230 and so they offer a much cheaper solution to logbook borrowing.
Outside of these markets, the choices are limited for those with a poor rating. If no checks are again important then a good idea is to take out a pawnbroker loan or to use a buy-back scheme with Cash Converters or Cash Generator. If you show them your driving licence and a letter confirming your address then this is all that’s required. You hand over your laptop or your mobile phone etc and they hand you money there and then. The opportunity is then there to buy the goods back within the month with interest on top (or you can simply extend). You wouldn’t be able to do this with a company like CEX.
CCJs, defaults and even bankruptcy remains on profiles for 6 years before falling off the report. During this time it will be important to work on improvement. A good start is to obtain a free credit report and to study where the problems lie. You can do this for free with Noddle or you can just take out a free trial with CreditExpert. If there are defaults or other such markings then it will be important to clean these up and get the “Settled” seal. You may have to do this by making a full settlement with a debt collector who would have purchased the account once the lender gave up hope of collection.
Just remember that even after the 6 years has passed you will need to show borrowing activity. The easiest way to do this is to take out the Credit Builder facility on the Cash Plus prepaid card. You can also build your damaged profile with cards from the likes of Capital One and Vanquish. These are commonly a timeframe here on CCJs that we will explore in time. Moving forward, make sure that you budget your finances well. Some subprime unsecured loan companies such as Everyday Loans may offer future funding if you can demonstrate affordability and show bank statements going back a few months and so budgeting and spending money wisely is advised.
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