In the UK, legitimate lenders usually carry out credit and affordability checks before approving a personal loan, so adverts promising “no credit check” should be treated cautiously. Loans that do not check your circumstances may be costly, unsuitable or linked to scams, and borrowing is not guaranteed. If your credit history is poor, compare quotes using eligibility checkers that use a soft search, and check the lender is FCA-authorised before applying. You could also consider free debt advice from a charity such as StepChange or MoneyHelper before taking on more borrowing.