Payday loans do not require a credit check. They are not approved on the basis of the credit history or credit score of an applicant. This works for everyone, regardless of the actual credit score. Millions of Britons have an average or poor credit score and banks would not offer the traditional short term loans to such applicants. Most people thus turn to payday loans. When you apply for payday loans through Flex Repay, you do not have to share your credit score. You do not have to worry about your credit history since there is no credit check. Some lenders will conduct a credit check but that is more for the purpose of knowing you better than using it as a reason to reject your application.
As pleasant as the absence of credit check is, some borrowers may actually have a decent credit score and it would be wise to leverage this. Companies that offer unsecured short term loans presume that their borrowers do not have a desirable credit history and hence they offer smaller sums of money and charge higher rates of interest. You should not have to settle for a small amount of money and pay an exorbitant interest if you have a decent credit score. You can ask a lender to perform a credit check or you can share your credit history. This will allow the lender to identify you as a dependable borrower and naturally you would be less of a risk for them. They would be willing to reduce the rate of interest, they may increase the loan amount you are eligible for or you may have a bit of both.
You can leverage your credit score for payday loans but not all lenders will facilitate this. Whenever and wherever you can, you must explore such an option to get better quotes.