A genuine lender will usually carry out identity, credit and affordability checks before approving a personal loan, so ‘no credit check’ offers should be treated cautiously. Some providers may consider borrowers with poor credit, but this can mean higher interest, smaller amounts or stricter terms rather than no checks at all. Check that the lender is authorised by the FCA and never pay an upfront fee to release a loan, as this can be a warning sign of a scam. If you are struggling to borrow, consider free debt advice from organisations such as MoneyHelper or StepChange before applying.