Same Day Loans for Bad Credit.

£50 to £5,000 paid out by 1:22am *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 1:22am 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 Same Day Loans

At Payday UK, we believe that even if you have a bad credit rating, you should be able to get access to same day loans.

Even people that carefully plan their household budget can suddenly find themselves in need of some extra money. We understand the disruption an unexpected bill can cause, and that they are through no fault of your own. You could suddenly be faced with a hefty repair bill for your car or home, or a family emergency that needs resolving immediately.

After you’ve submitted the quick and user-friendly application, Payday UK will give you an instant decision on whether you meet the criteria for our lenders. We will show you a loan offer for the best value loan available for your circumstances.

We've helped out
thousands of people...

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

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

Our panel consists of many specialist lenders that help borrowers with bad credit. Most people, even those with bad credit, have the money in their bank in around ten minutes*. If your credit score is particularly low, or you want to borrow a higher amount over a longer-term, this can mean a direct lender might ask for additional information, such as proof of income or a guarantor, but all the information can be processed online. We’ve built a panel of lenders that flexible, so you’ll nearly always be able to agree to a loan that suits your requirements. Despite the variety of factors, we still manage to approve most bad credit payday loans.

We understand a poor credit score can be because of a genuine mistake or a one-off situation that has since been resolved. We don’t believe you should continue to be punished for these past mistakes and try our best to provide access to credit for the majority of people.

When you’re completing our online application process, you can select any amount from £50 to £5000, with a repayment period ranging from 3 to 36-months. It’s designed this way to provide you with maximum flexibility and create a loan to suit your exact needs.

Payday loans are ideal for people with bad credit. They can provide you with some extra cash at a critical time. Using our service increases your chances of being accepted.

Some loan companies will reduce the amount of interest charged to reflect the shorter period of the borrowing. However, you need to check the exact terms of your loan agreement to see exactly where you stand regarding early repayment.

Payday UK provides you with the best route to securing a suitable loan. We have an acceptance rate of 95%, and when you consider that we process over 4500 application per day^, you can understand it’s a very small number of people we can’t help. The only way to be sure you’re eligible is to complete the application and receive the instant decision.