ePrivacy and GPDR Cookie Consent by Cookie Consent Soft Search Loans - Apply Without Affecting Your Score

Soft Search Loans

We use soft credit searching which won’t mark your
credit file if you apply

How much would you like to borrow?

Our quotes won't affect your credit score


Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

Feefo 2022 Platinum Trusted Service

Traditionally, applying for a loan can leave a mark on your credit which can potentially damage your credit rating. That is why Everyday Loans uses soft scoring technology in our application process. You can apply for financing from us without the search affecting your credit score.

Some lenders simply run a hard credit search when you fill out their credit application. This can appear on your credit history for years. That is a problem if you are shopping around for a loan because multiple hard searches could bring your credit score down.

By contrast, applying for a loan with us will only show up on your credit history if you actually accept our loan offer. That means you can compare prices, find the best deal and worry less about what potential lenders see on your credit file.

How it all works

With Everyday Loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

There are 3 simple steps to taking out an everyday loans loan. All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%
Start Your Application

If you are worried about your credit being affected by multiple hard searches, our soft search technology will put your mind at ease. We do not run a hard search on your credit when you submit your application or when we send over a conditional approval. That means you can see the loan offer, costs and all the details of your new loan before it ever affects your credit.

Our soft search application process is perfect for people who like to shop around or for people with bad credit. In fact, we specialise in helping people all over the UK who are struggling with poor credit to find a loan. We can offer loans from £1,000 to £15,000 with terms of 18 months all the way up to 5 years.

To see if you qualify for a loan, simply fill out our online application. It only takes a few minutes and you will receive an initial decision at the end of the process, so you won’t be waiting around wondering if you will be able to get the money you need.

If we are able to provide initial approval, we will set up a meeting with a loan expert at one of our many local branches. At the meeting, we will review your affordability and finalise your options. If successful, your loan can be available in as little as 24 hours.

Tailored Local Lending

Our local branches are staffed by a team of experts waiting to help you. By including a face to face meeting as part of our lending process we can look at more than just your credit history. We can take into account how you manage money, your financial obligations and your unique circumstances. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

In the meeting, we will determine if we can provide you with a final loan offer. If so, our expert will explain the specifics of the loan and fill out the necessary paperwork.

Responsible Lending

Everyday Loans is committed to providing responsible loans to all of our customers. We strive to be honest and fair to potential clients as well as ensure their loans and data are safe and secure.

To achieve these goals, we meet with all of our customers to discuss potential loans, explain the terms of the agreement and complete a full assessment of each individual's financial situation. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

We ask all of our customers to provide the most accurate information possible. We also encourage people to do some research so they understand common terms and ideas used in lending, such as APR and credit score. However, our lending experts will walk you through these topics during your loan meeting.

We always ask customers just to let us know if their situation changes. For example, if a customer loses their job and is struggling to make payments. In cases like this, we can work together to find alternative arrangements for paying a loan.

If you are interested in applying for a loan where the decision doesn’t negatively impact your credit score, our soft score application process is designed for you. Apply online with peace of mind using our simple application form.