Payday Loans for Bad Credit.

£50 to £5,000 paid out by 5:30pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 5:30pm 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.

Bad Credit Payday Loans

At Payday UK, we can find you the best bad credit payday loan from our panel of direct UK lenders.

If you’re faced with a sudden unexpected expense or family emergency, a payday loan for bad credit can provide you with fast access to cash. There are various reasons why people apply for a payday loan for bad credit. However, most of our applicants are applying because they are faced with an unexpected bill or unforeseen circumstance and need access to some extra funds to help make ends meet.

We work hard to ensure the maximum amount of people have access to payday loans, even those with bad credit. It’s not fair to punish someone for years for a past mistake that may have been rectified. The minimum that should be done is to consider the person’s current situation too. With Payday UK, someone looking for bad credit payday loans can enjoy the same quick and transparent application process and service as anyone else.

We've helped out
thousands of people...

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

No Credit? No Problem!

More and more lenders at Payday UK now help customers with low credit scores or no credit history.

We don’t believe you should be made to suffer for longer because of bad credit. If you are facing an unexpected bill and are struggling to pay your way, then a bad credit payday loan could provide you with the solution. However, if you need a longer-term financial solution, then a payday loan might not be your best option.

We have an impressive approval rate in finding customers a loan. When you consider that we process over 4500 applications every day^, a large percentage of which have bad credit, you can understand why we’re proud of this fact. There are only a small number of people we can’t match to a suitable loan.

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

There’s an excellent chance we will. Many companies that make up our panel of lenders specialise in providing access to credit for people with bad credit. They understand how little it takes to damage a credit report and will take a holistic approach when assessing your eligibility. They will look at past mistakes and your current circumstances to build a more accurate picture of suitability. Most applicants of bad credit payday loans with Payday UK have the money in their account within 10 minutes*.

Just because you have a CCJ doesn’t mean you can’t get access to credit. A CCJ will show up on your credit report for six years, but you won’t need to wait this long before gaining access to credit again. Completing our quick and easy online application will give you instant access to direct lenders, including many that specialise in bad credit loans for people with CCJs.

Payday UK do not charge applicants a fee for using our service. Not now, not ever. You should never pay an upfront fee for a loan.

You can complete the whole process, from application to having the money in your account, online. We promise not to confuse you with paperwork or intimidate you by arranging any inconvenient meetings. We try our best to ensure everything is as straightforward and straightforward as possible. When you apply on your smartphone, tablet, or computer, we will compare bad credit loans from the lenders on our panel and show you the best available. You’ll receive an instant decision, and if you decide to go ahead with a loan offer, the money will be with you in minutes.

We don’t just work this way for convenience. We’re aware you probably need the money urgently. It’s not just about borrowing the money; it’s about ensuring you and your family can continue to operate when faced with a stressful situation. If you need money in your bank urgently, Payday UK can help.

Our panel of lenders all have different criteria they want you to meet to borrow money. If you have bad credit some will only lend if you have a guarantor. Others might not need a guarantor. There are many factors they consider. If a guarantor is requested, you can use a trusted family member or close friend. The reason lenders will sometimes require a guarantor for bad credit loans is because it lowers the risk they are taking.

The easiest way to check your eligibility is to apply. Some people don’t want to apply as they believe it will make their credit score worse. However, our application process only uses a soft credit check, so there is no record of it on your credit report. Soft credit searches are not visible if other lenders look at your file in the future. There is no way to check your eligibility without applying.

The reason people think a rejected application will make their credit score worse is that a full credit check can do this. If someone runs a full credit check then refuses your application, the next lender you approach will see the other company has already run a credit check and refused you. This makes them less likely to approve your application, compounding the problem, as you now have two searches on your record that didn’t approve you. This can reduce your score and chances of being accepted for a loan or credit in the future. Soft credit searches do not have this effect.

The FCA (Financial Conduct Authority) does require all lenders to perform a full credit check before releasing funds. Still, you’ll already know you meet their criteria before this is carried out. If you accept the loan and repay it as agreed, it will only improve your credit score.

Our panel of lenders is so diverse that virtually any circumstance does not automatically exclude you from borrowing money. Bankruptcy is more common than most people think, and most people that have experienced bankruptcy will do everything they can to avoid going through it again, which in some ways makes them a safer bet.

A lot of our specialised bad credit lenders will also be suitable for someone that has been declared bankrupt in the past.