No Credit Check Credit Checks

Because they are concerned about their credit score, some people seek out some without credit checks instant loans. or they want to make sure no loan application records are appearing on credit reports. And whilst this is somewhat understandable, it is unfortunately impossible. Every FCA-regulated UK lenders must conduct credit checks on applicants. Soft searches are used in our case to find the eligibility. This search won't create a permanent record on your record.

Additionally, it's crucial to remember that both the person applying and the lender are covered by credit reports. All of the lenders that we collaborate with are responsible lenders and will not loan you more than what you are able to pay back. This is how debt problems can develop. Our lenders also take affordability into consideration as an important factor in comparison to regular credit scores. Even if it is not the case that you need to submit an assessment of your credit score to be able to borrow money this might not be a good idea.
No Guarantors

Omacl.co.uk does not offer loan products which require a guarantor. We are strictly a loan that has no guarantee service. If you are denied your loan application, you won't be allowed to ask for a guarantor or request a reprocessing of your application. Before you proceed with the loan application, please remember this.
Guaranteed Same-Day Loans

These loans are not secured, primarily due to the lenders discretion as to when they can release funds. Internal processing systems of your bank play an important crucial role. Different banks can process inbound transactions differently and have different cutoffs and execution times.

Most customers get their loan within 24 hours of submitting. You may have to wait if your application is submitted late in the day or on weekend.

A Guaranteed same-day loan is accessible. It is recommended to submit your application early on a regular working day to ensure you stand the best chance of receiving your funds within the hour.
What is the same-day loan for?

Omacl.co.uk's loans can be used as cash loans. That means you are able to use the funds to use them for anything you like. We will however ask you to explain the reasons behind the request to borrow when you apply. The loan itself is not contractually obligatory.

These are some of the most common uses we have received from customers during our same day credit application procedure.
The most common uses for Same Day Loans

Assistance in paying mortgage or rent.
Assistance with bills like phone utility, tax, and telephone.
Consolidation of debts and the ability to avoid additional charges or
Paying for bills until payday same day loan.
Transport, food, everyday life.

Unemployed? Receiving Benefits? Do You Still have the opportunity to obtain a loan?

Unemployed people will find it difficult to get an immediate loan. This cannot be avoided. However, it does not mean that it's impossible. Our lending partners typically accept applications for loans from those who are currently employed or those currently receiving welfare benefits. If you earn any type of income, your request will be taken into consideration.
Unemployed Loans

Unemployed persons with earnings from benefits, redundancy pensions, redundancy, or other sources of income can apply. The lenders we work with typically make eligibility determinations based on an affordability check in addition to standard credit screening and scoring. It is a straightforward calculation of your income and monthly expenses to determine if you can manage the payment.
Benefits Credit

Omacl allows you to take advantage of same-day loans regardless of whether you're receiving benefits. It's all about the type of benefits you're receiving. Certain benefits may be considered income while others are do not. Universal credit, child benefits etc. could be considered income. Housing benefit and job seekers allowance wouldn't. Visit our loans page for more information.
Omacl loves its customers. Here's the reason why.

Omacl has been named one of the market leaders for the same-day lending sector. Our customer service is the main reason. Customers are satisfied that we keep on our promises. We are punctual in our delivery. We inform our customers throughout the application process.

We offer fast and easy day-to-day loans at our customers' moment of need. Omacl has the right loan for you, no matter if you're in dire need of cash or you just need it. Whatever your situation, whatever you require the cash to pay. We are here to help.