To take out a loan with no credit checks you can be a council or private tenant, or you can be a homeowner. The application process is totally in confidence and no-one will need to know anything about the matter (including your employer if you are working). You may also be retired or in receipt of benefits, etc.
The useful idea of a loan with no credit checks came about as a result of fallout from the credit upheaval of recent years. Something had to change to allow people with poor credit histories to raise funds. The answer was the unsecured guarantor loan and it has shown itself to be popular.
With a loan with no credit checks you can borrow money easily no matter what your credit history or even if you have none on record. If someone consents to be your guarantor, like a parent, close friend or relation who knows you quite well, your credit rating will not be looked at, therefore your credit history will not matter.