Loans for Poor Credit Scores.

£50 to £5,000 paid out by 6:00am *

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Instant quote with no credit check and no fees.

Small loans can be sent by 6:00am 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 Poor Credit

At Payday UK, we know having a poor credit score can be hard. Our panel of direct lenders are here to help.

We understand how frustrating it can be to have a poor credit score because of a past mistake or unfortunate situation that may have even been out of your control. Your frustration can be magnified if the reason you need access to the extra money is because of an unexpected bill or family emergency.

That’s why our panel of lenders includes several specialists in providing poor credit loans. If you have missed payments, had a default or even a CCJ, some lenders will still consider your application. The rate you are charged will reflect the level of your poor credit.

We've helped out
thousands of people...

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

A short term loan can be useful when your bank has said no. We help people of all circumstances find credit every day.

We don’t believe you should be punished for years because of a poor credit report, which is why we are more interested in your current situation than your past. Payday UK also do all we can to make the application process as simple, secure, and fast as possible.

We accept an impressive 95% of all loan applications we process, including those for poor credit loans, and we receive more than 4500 loan requests every day^. Finding a loan when you have been declined elsewhere can be daunting. We can do the leg work for you.

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

Yes. We have lenders on our panel that specialise in providing poor credit personal loans. Applying for a poor credit loan with Payday UK will not harm your credit score. This is because lenders initially only perform a soft credit check, which leaves no mark on your credit report. However, it’s essential to make all the repayments as agreed on any loan you accept, or it can damage your credit score and affect your ability to get credit in the future.

Payday UK offer you access to a panel of industry-leading direct lenders. This means you can apply for a personal loan from £50 to £5000. This could be a short-term loan without a guarantor, a long-term poor credit personal loan, or anything in between. The exact type of loan that will best suit your circumstances is different for everyone. However, you can rest assured that Payday UK will find you the loan with the lowest rate of interest for your situation from our panel.

A guarantor may be required for you to meet the criteria for a poor credit loan. However, the need for a guarantor tends to depend on the direct lender that is offering you the best deal. Some will insist on a guarantor while others will not need one. The best way to find out whether you need a guarantor is to apply.

Your credit score improves typically with every loan or line of credit that is successfully completed as long as repayments are not missed or late. Taking out credit and making all the repayments on time demonstrates that you pay your way and can be trusted to manage your finances sensibly. The improvement to your credit score won’t happen as soon as you accept the loan offer, but it will count in your favour as every payment is made on time.

Lots of people miss a payment date for a variety of genuine reasons. For example, a payment date can be missed because a bill is being disputed. Missing a single payment on one item won’t automatically ruin your credit score. Continuing not to pay a debt or failing to pay several debts at once will harm your credit score.

Some companies may disregard a single missed payment if you have made all other repayments before and since on time, while also paying other debts on time.

Payday UK allow people to apply for poor credit loans on the same basis as ordinary payday loans. This means you can borrow from £50 to £5000 and repay your poor credit loan over a period from 3 months to 36 months. Shorter periods are typically selected by people that are borrowing a smaller amount. A larger loan is usually more manageable when repaid over a longer time.

The amount of your repayments is dependent on several factors. How much you borrow, and the length of the repayment term will be the most significant factors. If you borrow a large amount over a short period, the payments will be bigger. A smaller amount repaid over a longer period will lead to lower repayments. However, a more extended repayment period is likely to cost you more in interest overall, even though the payments might be more manageable.
It’s essential to be realistic about your monthly budget by selecting a term length where you know you can comfortably afford the repayments.

The interest rate for poor credit loans varies from lender to lender. The short term loans market has exploded in popularity in recent years. This is good news for consumers, as having more companies offering this type of loan makes the market more competitive. This means they will all offer exclusive deals or attractive rates to try to win your business.

One of the most significant factors in determining how much interest you are going to be charged is the risk you pose. If you have a poor credit score or a CCJ on your record, then lenders will see you as a higher risk. The more your credit score increases, the lower the risk. This can be reflected in the interest rate you’re charged.

Every lender has different terms and conditions for their loan. Typically, there won’t be any charges if you repay the loan early. Sometimes repaying a loan early can create a reduction in interest. Whether this applies to your loan will depend on the agreement you have with your lender. If you’re unsure what paying early means for your loan, simply ask your lender or read the terms of the deal. All out lenders are registered with the FCA (Financial Conduct Authority) and abide by the rules and guidelines set out by them.