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.

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Most lenders will perform a credit search before agreeing to give you a loan. This in itself doesn’t affect your credit rating but the search leaves a mark or footprint on your credit file.

If the lender that you have applied to uses a 'hard' credit search then you will be left with a search footprint on your credit record and other lenders can see this information.

If you apply to us, we use a leading credit reference agency to perform a “soft” credit search. This type of search does not leave a footprint on your credit file that can be seen by other lenders. Only you can see this search on your record, other lenders cannot.

We will only register a full search on your credit record if you actually get a loan from us. We pride ourselves in offering a range of loans suitable for all credit types and thanks to our soft search methodology, you can apply with confidence.

Most lenders still use the old fashioned 'hard' credit search. If you have a high number of these 'hard' search footprints on your credit record, this is likely to reduce your chances of getting credit because lenders use this data as one of the factors to help determine whether you are a good or bad risk.

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%
Start Your Application

If you are struggling with bad credit and therefore make several applications in a short space of time, many lenders will take this as a reason not to lend money to you - even though the outcome of those applications isn’t visible to them via your credit record.

Everyday Loans is one of the UK's leading unsecured loan providers, offering customers a personal face-to-face service that addresses all our customers' financial needs. If you are looking for a loan, why not apply online today.