Adverse Credit Loans.

£50 to £5,000 loans available today

How much do you need?

Online Loans
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Instant quote with a soft credit check and no fees.

Small loans can be sent the same day.

Over 7500 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 1721% 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 full authorised credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. If you accept a lender’s loan offer, they will perform a hard credit search. PaydayUK and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.

Loans between £50 and £5000 over a 3-month to 36-month term.

Warning: 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, our broker works with direct lenders who specialise 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 via Payday UK even if you have adverse credit.

We will provide an instant decision from our brokers 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...

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

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How much do you need?

Will I be Approved?

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

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Powered by Flux Funding

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

Apply Online

Fill out our short, secure form and search an 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

Once accepted, your money can often be paid into your account the same day.

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 our broker has 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 brokers 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 the same day, 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 brokers application process, they will give you an immediate decision. If you’re eligible for a payday loan, we will show you the best offer available from our brokers 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.