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 2 years at an interest rate of 67.9% p.a. (fixed), you will repay 24 monthly payments of £231.78 per month. Interest payable £2,562.75. Total amount payable £5,562.75. Representative 93.6% APR. Rates from 24.2% to 299.9% max APR.

Feefo 2018 Gold Trusted Service

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.
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.

We do not charge any fees. If you prefer, talk to us on Freephone 0808 231 5453.

Everyday Loans is a trading style of Everyday Lending Limited (Company registration no. 5850869, England & Wales).

Registered Office and Trading Address: Secure Trust House, Boston Drive, Bourne End, Buckinghamshire, SL8 5YS.

Everyday Lending Limited (Firm Reference No. 724445) is authorised and regulated by the Financial Conduct Authority.

Everyday Lending Limited is a member of the Finance and Leasing Association and as a member, we follow its Lending Code.

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