No Credit Check Loans

A few people specifically search for credit check same-day loans because they are concerned about being approved due to their low credit score. Perhaps they wish to avoid the possibility of having another loan request included on their credit report. Although this might be a valid concern however it's not possible. Every FCA-regulated lender in the UK must conduct a credit search on all applicants. Our soft search is used to determine the eligibility. The results of this search do not create a lasting impression on the report.

It is also crucial to keep in mind that credit checks are for the lender and the person applying. The lenders we work with are responsible lenders and won't lend you more than what you are able to pay back. This is why debt-related issues are quite common. Lenders also consider affordability as a key factor in the calculation of credit scores. If you don't need an assessment of your credit score to obtain a loan, it may not be a problem.
No Guarantors

The loan products available on Omacl.co.uk require the use of a garantor. We provide a loan with no guarantee. If your application is denied and you are not in a position to request a guarantee or have your application reprocessed. Be aware of this when you send the loan application.
Guaranteed Same Day Loans

The lender is able to decide when the funds will be released, therefore same-day loans can't be secured. The internal processing system at your bank plays an important role. Different banks have different cut-off and execution times and perform transactions more frequently than other banks.

Most customers will receive their loan the same day that they apply for them. If you submit your application after normal business hours, on the weekend or on a holiday, your loan application could be delayed.

The best way to get the guaranteed next day loan in the shortest time possible is to send your application at the beginning of the day on any normal working day.
What can I use for a Same Day Loan?

Omacl.co.uk loans are cash-based loans that are able to be used for any reason. You are therefore able to use the funds for whatever you wish. You'll notice that we need to know the reason you require to get a loan. However the loan isn't dependent on any of these.

Here are some examples of typical uses that our customers have provided us with during the same-day loan application process.
Common applications for Same-Day Loans

Assistance in paying rent or mortgage
Help with bills for example, phone, tax, or utilities.
Consolidation of existing debts and avoidance of further costs
Make ends meet until payday.
Transport, food and daily life.

Unemployed? Receiving Benefits? You can still get a Loan Now!

Finding a same-day loan is a challenge if you're not employed. That's the reality. However, this doesn't mean it is impossible. Our lending partners usually will accept loan requests from people who are unemployed and also those currently receiving benefits. The application will be evaluated in the event that income is available.
Unemployed Credit

You are still eligible if you are unemployed and are still receiving income from sources such as benefits, redundancy payments or pensions. Our lenders typically consider the affordability of the applicant in addition to conventional credit scoring and checking. To determine if you are able to make the necessary repayments it is a simple calculation of how much your income per month is less than your monthly expenditures.
Credit to people who have benefits

Omacl offers same-day loans for those already receiving benefits. It depends on which kind of benefit is receiving. Some are classed as income while some aren't. Universal credit, child benefit and housing benefit are all regarded as income. Employment seekers allowance, or housing benefit are not. You can refer to our loans for people on the benefits page for further guidance on this matter.
Omacl has a passion for its customers. Here's how.

Omacl is considered to be one of the market top players in the current lending market. This is because of our excellent customer service. Customers appreciate that we do the things we say we'll do. And we do it in a timely fashion. We inform our customers at every step of this procedure. This makes the application process easy and clear.

We are proud to offer quick, same-day loans to customers when they need it. If you require money urgently or money in an urgent situation, Omacl is here for you. Whatever your financial situation We can assist you. We are here to help.