Your details have been passed to us by Choose Wisely. You’re one step away from completing your application — and there’s no credit check involved.
Continue your application with Cockle Finance – No Credit Check Required
What happens when you click Continue?
You’ll be asked to connect your bank account using Open Banking – Powered by our partner – ohhMoola. Think of it as a secure, digital way of sharing your last 3 months’ bank statements with us — instead of carrying out a traditional credit check. It takes around 2 minutes, it’s completely safe, and it won’t affect your credit score.
Why does this matter if you have a lower credit score?
Because we don’t rely on credit scores at all! We look at what’s actually coming in and going out of your bank account to decide whether a loan is affordable for you. That means people who’ve been turned down elsewhere — or who have a history of missed payments or defaults — often have a much better chance of being accepted with us, as long as the loan is manageable based on what we can see.
Why Cockle Finance?
We’re a family-run, award-winning UK lender — not a faceless bank. We also never charge late or missed payment fees, so you always know exactly what you’ll repay, and we offer flexible repayment options if your circumstances change.
Cockle Finance is Authorised & Regulated by The Financial Conduct Authority, Firm Reference number: 804740