Generally, direct payday loan lenders in the UK do perform credit checks as part of their lending process. However, the extent and significance of these credit checks can vary between lenders. Some lenders may conduct a comprehensive credit check using the three major credit reference agencies (Experian, Equifax, and TransUnion), while others may perform a more basic credit assessment or use alternative sources of financial information.

It’s important to note that payday loans are often considered high-risk loans, and lenders may be more lenient in their credit assessments compared to traditional banks or lenders. They may focus more on an applicant’s income, employment status, and ability to repay the loan rather than solely relying on credit history.

If you’re concerned about your credit history or have a poor credit score, you may still be eligible for a payday loan, as lenders may consider other factors in their decision-making process. However, it’s essential to be cautious when applying for any loan, as multiple applications can negatively impact your credit score.

To get accurate and up-to-date information specific to a particular lender’s credit check policies, it’s recommended to review their website or contact the lender directly before applying for a payday loan. This will help you understand their requirements and determine if they align with your needs and financial situation.