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We've all heard the stories of loans without credit checks, but do they actually exist?

Here in the UK, all lenders must follow responsible lending practices - like conducting a creditworthiness assessment for loan applications - as outlined by the Financial Conduct Authority.

Some lenders will provide a quote for your loan with a soft credit search, which doesn't leave a mark on your credit file. But ultimately, every responsible lender must look into your creditworthiness before handing out a loan.