Adverse Credit Loans.

£50 to £5,000 paid out by *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 11:21pm 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 maximum 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 is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.

We offer loans between £50 and £5000 over a 3-month to 36-month term.

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

Need an Adverse Credit Loan?

Needing to borrow money with a low credit score can be tough, as your bank is unlikely to help. At Payday UK, we work with direct lenders who specialsie in proving short term adverse credit loans.

Trying to find adverse credit loans can be frustrating. You may avoid applying in case you’re denied a loan, which could then reduce your chances of successfully applying with a different lender. There is a solution. You can apply for a loan through Payday UK even if you have adverse credit.

We will provide an instant decision from our panel of lenders, and the application won’t show up on your credit report if other lenders look at it. This gives you peace of mind knowing that you won’t damage your credit score further by applying to multiple lenders.

We've helped out
thousands of people...

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

Apply Now

How much do you need?

Will I be Approved?

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

Check Eligibility

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

Adverse credit is just another way of saying you have an unfavourable credit rating. A bad credit rating can make life more difficult, especially if you suddenly find yourself in need of access to some extra money because of an emergency or unexpected bill.
This type of situation is exactly what payday loans are designed to help with, regardless of adverse credit. Many of the lenders we’ve partnered with specialise in providing adverse credit loans, so don’t be put off because you’re worried about being denied a loan.

Yes. Many of the direct lenders on our panel specialise in providing adverse credit loans. We don’t believe you should be punished for years for a previous mistake. Lenders are more interested in your current situation than your previous one. Successfully managing your finances and paying everything on time is the only antidote to adverse credit. As long as you make the payments on time, it will only improve your credit score. However, if you fail to make the payments on time or default on the loan, it could harm your credit score.

A credit report typically retains information for 6-years. However, if you can demonstrate credit is being paid consistently on time, and you’re managing your money sensibly, it will still improve your credit score.

Yes. Payday UK gives you the best chance of quickly finding the best loan for your circumstances. The whole application process can be completed online using your smartphone, tablet, or computer. This eliminates the need for any additional paperwork or meetings that could delay the process. The average payday loan customer has the money in their account within 10 minutes*, and a lot of customers receive their payment in quite a bit less time.

You can typically go through the whole process in a matter of minutes. Once you have completed the necessary details needed for our application process, we will give you an immediate decision. If you’re eligible for a payday loan, we will show you the best offer available from our panel of lenders. If you choose to accept the loan offer, the lender will perform the transfer virtually immediately. It can take a few minutes to hit your bank account. We quote an average time of 10 minutes* to be on the safe side because some banks are slower than others.