With no credit check loan lenders people can access credit again even with bad credit with things like CCJs, arrears and defaults. This is a liberal approach to finance and will once again let a large proportion of people access to finance which would not have been possible otherwise.
With no credit check loan lenders you can borrow money easily no matter your credit history or if you have no credit history at all. If someone consents to be your guarantor, like a parent, close friend or relation who knows you well, you will not be credit scored, so your credit history does not matter.
Many folk might argue the principal advantage of no credit check loan lenders is that the borrower's earlier credit record is made totally irrelevant. All prior defaults, arrears and missed payments no longer matter in the least. Provided a credit worthy guarantor can be nominated then you can obtain money again, when you could not before.