No Credit Check No Credit Check

Some specifically seek out n o credit check payday same day loan loans because they are concerned about their the approval process due to a low credit score. Or they simply desire to avoid having a second loan application record appear on their credit reports. While this is understandable but it's just not feasible. All FCA-regulated lenders in the UK must perform credit checks on prospective applicants. In our situation it is a soft search performed during the application process to find the eligibility. The search doesn't leave a lasting mark on your application.

It's important to remember that credit checks are for the lender as well as the person applying. All lenders we deal with practice responsible lending and will not lend you more than you're capable of repaying. This is why debt related issues are very common. The lenders also take affordability into consideration as a key factor in determining credit score. So you even if you wanted a loan without any credit checks being conducted, it may not necessarily be a bad thing.
No Guarantors

Omacl.co.uk provides no loan products that require a guarantor. This is a loan no guarantor. If your loan application is declined you won't have the chance to request a Guarantor. It is a fact you need to keep in mind prior to making a loan application.
Guaranteed Same-Day Loans

The lender can decide when funds will be released, therefore same-day loans cannot always be secured. It's also crucial to think about the internal processes of your bank. Different banks use different cut-offs and execution times and process transactions more often than others.

The majority of customers receive their loans on the same day that they made their application. However, if you're applying outside of normal business hours, during the weekend or during an official holiday, your application could be delayed.

If you're looking for a guaranteed loan on the same day making your application early in the day during a typical working day would afford you the best possibility of receiving your funds the same day.
What are the Best Uses of a same day loan?

Omacl.co.uk's loans are available as cash loans. That means you are allowed to use the money to do whatever you want. While we'll ask you to explain why you need a loan during the application process however, the loan itself is not a contractual obligation to repay.

Here are a few of the more frequent uses that our customers supply us with during the same-day application for loans.
Common uses for same day loans

Assistance with paying rent or mortgage.
Assistance with bills like phone, tax, and utilities.
Consolidation of current debts and avoidance of any additional charges.
The goal is to make ends meet until payday.
Transport, food and every everyday living.

Unemployed? Receiving Benefits? You may still be eligible to get a loan right now

If you are unemployed getting a cash-on-the-spot loan isn't easy. This is a fact that can't be overlooked. This does not mean that it's impossible. Our lending partners usually accept loan applications from people in unemployment or who are currently on welfare. The loan will be granted if you have income.
Unemployed people can get loans

It doesn't matter if the income source is not the form of income such as benefits, redundancy payments or pensions, if you're currently unemployed, you can still apply. Our lenders often make eligibility determinations based on an affordability assessment along with traditional credit screening and scoring. It is simply a calculation of your monthly earnings and expenses. It will decide whether the borrower is able to make the repayments required.
Lending to those who have Benefits

Omacl provides same-day loans to those already receiving benefits. It depends on which type of benefit is being taken. Certain benefits are considered to be income, others are not. Universal credit, or child benefit, is classified as income. However housing benefit or the allowance for job seekers would not qualify as income. This page provides additional guidance.
Omacl is loved by customers The reasons are numerous!

Omacl is among the market top players within the same-day loan sector. This is because of our service to customers. Our clients are pleased that we do what they say. We deliver on time. We keep our customers informed at every stage of the process of applying.

We take pride in providing quick, sameday loans for our customers during their time of greatest need. Omacl offers the perfect credit for you regardless of whether you are in urgent financial need or you just need it. We are able to help no matter your financial needs. We can assist you.