Same Day Loans for Bad Credit.

£50 to £5,000 loans available today

How much do you need?


Online Loans
make sense

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 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 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 moneyhelper.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’s broker partner will give you an instant decision on whether you meet the criteria for their lenders. We will show you a loan offer for the best value loan available for your circumstances.

We've helped out
thousands of people...

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

Apply Now

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.

Check Eligibility

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

Our brokers 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 the same day. 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 brokers 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 brokers 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. Our broker has a high acceptance rate, and when you consider that we process over 7500 loan quotes 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.