Bad Credit Loans.

£50 to £5,000 paid out by 3:57pm *

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Instant quote with no credit check and no fees.

Small loans can be sent by 3:57pm today.*

Over 4500 no obligation quotes processed every single day!^

Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Loans for Bad Credit

At Payday UK, we dedicate our efforts to providing a transparent and user-friendly service.

Bad credit loans can be the best solution to a sudden unexpected expense or emergency. They provide a way to access additional funds quickly. The application process is designed to be as straightforward as possible and get the money into your account in the shortest time possible.

Whether you’re faced with a garage bill for a car breakdown, a heating engineer because your boiler packed up, or need access to some extra cash to help tide you over, Payday UK will provide you with access to the best bad credit loan available to you.

Payday UK do everything we can to assist everyone that needs access to credit. We try to do this in a user-friendly way that is easy to access and completely transparent.

If you’re looking for loans with bad credit, then you may have some questions about the process. Below we’ve tried to answer the most common questions asked by customers that successfully get bad credit loans using our service. The whole process is designed with the probable circumstances in mind. You’ll need access to the extra funds quickly.

We've helped out
thousands of people...

£400 for Anthony in London
£300 for Glen in Dereham
£100 for Harley in Folkestone
£2000 for Mohammed in Smethwick
£350 for Danielle in Bradford
£300 for Anish in Essex
£200 for Bartosz in Yeovil
£200 for Natalie in Lincolnshire
£1000 for Rashid in Manchester
£50 for Neil in York
£400 for Louis in Folkestone
£1500 for Mary in Motherwell
£200 for Jane in Culross
£300 for Judy in Islington
£300 for Michael in Stirlingshire
£300 for Hanif in Birmingham
£400 for Jessica in Huddersfield
£600 for Elizabeth in Lockerbie
£500 for Stuart in Worthing
£1000 for George in Bromley
£300 for Mark in Guildford
£1500 for Samuel in Harrogate
£200 for Michael in London
£1000 for Martin in Lincolnshire
£500 for Chanelle in Bradford
£500 for Anna in Launceston
£200 for Vincent in Southport
£200 for Carly in Manchester
£250 for Louisa in Croydon

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Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

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Loans for Customers with Bad Credit

Our large panel of lenders specialise in helping customers who may have been declined elsewhere.

People that have bad credit and are looking for loans will understandably have some questions. We try to make our whole process as easy, quick, and transparent as possible. We believe this helps us to provide credit to the maximum number of applicants in an efficient and ethical way. Over time we come across the same questions from customers looking for bad credit loans, so have tried to answer the most common ones below.

Most people applying for a bad credit payday loan are doing so because they have found themselves in an awkward situation where they need access to some extra cash to help tide them over. It can be because of many household, vehicle, or health-related costs that were impossible to foresee. We pride ourselves on providing access to credit for as many people as possible.

How it Works

We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.

Apply Online

Fill out our short, secure form and search our industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash.

Get Your Money

Your money can often be paid into your account within just 10 minutes.*

More questions? We've got you covered

Bad credit loans work just like any other payday loan. However, when someone with a poor credit score is applying for a loan, they do represent a higher risk. This can sometimes mean they’ll pay a higher rate of interest, or that a guarantor will be required. Every lender will have their own set of conditions depending on your circumstances. We don’t believe you should be excluded from the loan market because of a past mistake.

We have several lenders on our panel that specialise in bad credit loans. If you accept a loan offer and stick to the scheduled repayments, it will improve your credit rating. Our system automatically shows you the loan offer with the best rate of interest available to you. This means you know you’re getting the best deal from a panel of lenders, meaning we do the legwork for you.

Some people are entirely unaware of their credit rating, either because they’ve never needed credit, or they’ve never been refused borrowing. However, a growing number of people are actively managing their credit rating using services offered by credit agencies. They can view their full credit report, see what areas are causing them problems, and the companies even make suggestions on ways to improve your score.

From a direct lender’s perspective, there are several companies they turn to when they want to know a person’s credit history. It is often one of the same companies that offer the service to individuals.

People are under a misconception that applying for a loan will worsen their credit score. This is only true under specific circumstances. If you apply for a loan where the lender performs a full credit check, then get refused, it will show on your record and put off future lenders when they see you’ve already been denied. However, when you apply with our service, lenders only perform a soft credit search, which leaves no visible mark on your record that other lenders can see now or in the future.

The point of the soft credit search is to allow us to find the best deal you’re eligible for with no obligation to proceed. If you decide to go ahead and accept the loan offer, a full credit check is required by law. However, the soft credit check will already have matched you with a loan your eligible for, so it’s a much safer bet. If you then proceed to make the agreed payments on time, the bad credit loan will only improve your credit rating.

If a lender is saying, they can give you a loan without performing a credit check; you should be cautious. The full credit check is a requirement of the FCA (Financial Conduct Authority), so any lender that says they can avoid it is either misleading you or not registered.

The easiest way to check your eligibility is to apply. The soft credit check will verify you meet the criteria required and match you with the best loan available for you. This also means any loan offer made to you is made with an understanding of your situation, even if you have bad credit. We have many specialists in lending to those with bad credit amongst our panel of direct lenders. Our varied group of lenders is one of the reasons we have such a high success rate of providing loans to applicants.

We provide access to a range of bad credit payday loans. A borrower with bad credit can apply for a loan the same as someone with good credit. We offer loans ranging between £50 and £5000, and you can select a repayment period of between 3 and 36-months to suit you. While it’s crucial to choose a term that suits you, it is common for smaller loans to be repaid quicker, while larger loans will be repaid over a longer period. When you’re choosing the loan amount and repayment period, it’s important to be realistic.

Selecting a repayment period that makes the payments too high could land you back in trouble. It’s also important to contact your lender straight away if you foresee any problems with making a payment. Most lenders will help you resolve the issue but will get suspicious if a payment isn’t made and you ignore them as well.

A low credit score can be for several reasons, and at varying levels. However, a small enough score will attract higher interest because lenders will see you as a higher risk. Some people think a high APR rate is just because they have bad credit, but high APR on payday loans can also reflect the shorter term.

If you’re searching for a bad credit loan, then you’re probably already aware that you have a poor credit history. This increased risk is usually enough to put off all high street lenders, as they’re likely to refuse your application. However, our panel includes several lenders that specialise in bad credit loans. They will provide you with access to the funds you need, but if your credit score is too low, you can expect to pay a higher rate of interest to reflect the increased risk.

Most traditional lenders will only lend money to people that they consider to be low risk. To get money from some of the stricter lenders, you virtually have to prove you don’t need it before they consider you. They use your credit report to establish how much of a risk you represent. Some banks will take any history you have with them into account, but most traditional lenders will approach it in the same way as if they were lending to a stranger. In this situation, your credit report is all they can use gauge your trustworthiness.

Many people are left feeling victimised because they think the system is unfair. In some cases, a genuine mistake or poor management led to a one-off situation that can hinder their ability to obtain credit for years to come. This is one of the reasons we’re committed to matching you with the lender that can offer you the best deal.

Although two separate customers might both have bad credit, their circumstances can still be substantially different. This means the best lender for one person might not necessarily suit the next. Many lenders are fighting for the business of new customers. This means the landscape can often change, which is why a service like Payday UK can be so invaluable. You will know you’re getting the best deal for you at that time from a panel of specialised direct lenders.

People with bad credit frequently turn to payday loans as a last resort to deal with an unexpected expense. We appreciate the urgency most of our applicants are probably feeling, so have streamlined the process as much as possible. This has resulted in a process that can be completed very quickly, from a user-friendly online application, an instant decision on your eligibility and the best offer if you are eligible, to the money being in your account within 10 minutes*.

Access to the service Payday UK provides is free to all applicants. Our panel of direct lenders will also be upfront about any interest or charges associated with the loan you’re applying for. Remember, you should never pay an upfront fee for a loan.