No Credit Check loans

Many people are looking for an credit check same-day loans due to being worried about being rejected because of their credit score. Or they simply want to avoid having another loan application appear on their credit reports. While this may be understandable, it is unfortunately impossible. Every FCA-regulated UK lenders must perform credit checks on applicants. Soft search is the method used in our case to identify the applicant's eligibility. The search doesn't leave any permanent marks on the report.

Additionally, it's important to note that both the applicant AND the lender are protected by credit reports. All lenders we work alongside adhere to responsible lending. We won't lend you more than you're able to repay. This is the way debt problems are created. The lenders also take affordability into consideration as an important factor when determining credit score. Even if you do not need to have a credit check in order to be able to borrow money this might not be a bad idea.
There aren't any guarantors.

Omacl.co.uk offers no loans that require a guarantee. We only offer loans that have no guarantor. If you have your loan application denied you won't have the option of requesting an Guarantor. So please keep this in mind prior to making your application for loan.
Guaranteed Same-Day Loans

The lender is able to decide when the funds will be released, so same day loans can't be guaranteed. The internal processing system of your bank plays an important role. Certain banks process incoming transactions more frequently than others and have varying cut off and execution times.

The majority of applicants receive their loan within 24 hours of applying. However, if you apply outside normal hours of operation, on the weekend or during the day of a bank holiday, your application could be delayed.

If you're in search of a guaranteed loan on the same day, submitting your application early in the day on a normal working day will give you the greatest possibility of receiving your funds the same day.
What can I use a Same Day Loan For?

Omacl.co.uk loans are cash advances that are able to be used for any purpose. That means that you can utilize the funds for any purpose. Even though we'll require you to explain why you require a loan in the application process but the loan does not have a contractual obligation to repay.

These are just a few of the most frequent requests we've heard from our customers in our same-day loan application process.
Common uses of same-day loans

Assistance with paying mortgage or rent.
Assistance with bills, for example, phone, tax or utilities.
Consolidation and Avoidance of Additional Charges
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Food, transportation, and day-to-day living.

Unemployed? Receiving Benefits? Are You Still able to receive a loan?

If you're unemployed, you're going to find applying for a cash advance on the same day difficult. This cannot be avoided. But that doesn't suggest that it's impossible. Our lending partners typically approve loan applications from people who are unemployed or who are currently receiving benefits. If you earn some type of income, you'll be considered.
The loan program is for those who are unemployed.

If you're not employed but have an income source of income like redundancy payouts or benefits or a pension, you can apply. The lenders we work with usually determine eligibility based on an affordability check along with traditional credit checking and scoring. This involves a basic calculation based on your income and monthly expenditure to determine whether you can make the repayments required.
Lending to people on benefits

Omacl can also permit customers to apply for a loan even if the benefits you receive are not exhausted. It's all dependent on the type of benefit that you are receiving. Certain benefits are considered income while others are don't. Universal credit, as well as child benefit as an example, could be classified as income. However housing benefit and job seekers allocation are not. We recommend our loan for individuals on benefits page for more information regarding this issue.
Omacl has many customers. This is why!

Omacl has been ranked as one of the market leaders for the same day lending sector. We are the primary reason. Customers appreciate that we do what we say we will do. We respond promptly. Our clients are informed about every step of the process. The process for applying is easy and clear.

We're proud to provide quick, same-day loans to customers when they need it. Omacl is there for you when you require cash fast or urgently. Omacl can assist you regardless of the situation. We are here to help.