No Credit Check Credit Checks

Since they are worried about their credit score, some people seek out n without credit checks instant loans. Also, they want to stay clear of another loan application record appearing on their credit report. Although this might sound like a good idea but it's not feasible. All FCA regulated lenders within the UK are required to perform a credit check on applicants. Our soft search is used to determine the applicant's eligibility. This search does no lasting harm to your report.

Also, it's important to know that both the applicant AND the lender are covered by the credit report. Our lenders practice responsible lending. They won't lend you more than you're able to repay. This is how debt-related problems occur. Lenders also consider affordability as an important factor when determining credit score. Even if you didn't want to have a credit score assessment but it's an excellent idea to get one.
No Guarantors

The loan products available on Omacl.co.uk requires an guarantee. This is a loan without guarantor service. If you have your loan application denied you won't have the chance to request a guarantor. Keep this in mind when you submit your loan application.
Guaranteed Same-Day Loans

Because lenders have the power to release funds whenever they wish, same-day loans aren't assured. It's also crucial to think about the internal processes of your bank. Different banks use different cut-offs and execution times , and they process transactions more often than other banks.

Most customers will receive their loan the same day that they make an application for them. There may be a delay for a response if you apply after regular business hours or on weekends.

The best chance is of receiving the funds on the same day if you apply for an guaranteed instant loan at the beginning of the day on a regular working day.
What is a Same-Day Loan for?

Omacl.co.uk's loans can be used to obtain cash loans. You are free to utilize the funds in any way you like. It is evident that we ask for the reason why you are applying for a loan, but the loan is not legally obligated to do so.

These are just a few of the most common uses we've heard from our customers during our same day credit application procedure.
The most common uses for Same Day Loans

Assistance with mortgage or rent payments.
It is possible to get help with your bills such as utility bills, phone charges, taxes and more.
Consolidation of loans from previous loans and avoidance additional charges
Get by until the next payday same day loan.
Transport, food and everyday living.

Unemployed? Receiving Benefits? Are you still able to receive a loan?

If you don't work, it will be hard to get a same-day loans. It's not possible to avoid it. However, it does not mean it's not possible. Our lending partners often look at loan requests from people who are unemployed, as well as those who are receiving benefits. Your application will be reviewed if income is available.
The Unemployed can get loans

Even if you're not employed but you do have an income source like redundancy benefits or retirement benefits, or a pension you may still be eligible to apply. Lenders we work with often determine eligibility based on affordability, in addition to the traditional credit check and scoring. This is a simple calculation based upon your current income minus the cost of your monthly expenses to determine if you're able to pay the required repayments.
Lending to people on benefits

Omacl allows you to apply for loans on the same day even if you're receiving benefits. It's all dependent on the kind of benefits you're getting. Certain benefits are considered income, while others aren't. Universal credit, child benefits, etc. could be considered income. Housing benefit and Job seekers Allowance would not. For more information, visit the loan for those who receive benefits page.
Omacl has a lot of customers. Let's find out the reason!

Omacl is considered one of the market leaders in the same day lending sector. This is because of our customer service. Our customers appreciate our ability to deliver on our promises. We deliver on time. We also inform our clients know what's happening at each step whilst making the application process simple and clear.

We're pleased to provide rapid, same-day loans to our customers who require it. Omacl can assist you during times of need. Whatever circumstance you are in, Omacl will have the right money for you. We are here to help.