Short Term Loans for Bad Credit.

£50 to £5,000 paid out by *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 11:22pm 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 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 credit broker, not a lender.

We offer loans between £50 and £5000 over a 3-month to 36-month term.

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

Bad Credit Short Term Loans

At Payday UK, we can help you find a short term loan, even if you have a bad credit rating.

Those with bad credit might think they won’t be able to get a short term loan, but with Payday UK, they have an excellent chance of success. We process about 4500 applications every day^ and accept 95% of them.

All of the lenders that we work with use soft search technology, which means that you can apply for a bad credit short term loan without having your credit score impacted in any way

We've helped out
thousands of people...

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

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

Yes. Payday UK specialise in providing short-term loans to people with bad credit. If you’ve been looking for a bad credit loan in the UK, then we offer you the best chance of success.

Most lenders calculate the interest based on the risk factor. Someone with a poor credit history is deemed to be a higher risk, so might have to pay a higher interest rate than someone with a good credit score. However, most loan companies will deny loans to those with bad credit. We don’t believe you should be punished for a prolonged period because of a past mistake. This is why our lenders pay more attention to your current situation than your past.

Short-term bad credit loans can also appear worse because they are over a shorter period. This means that direct lenders only have a very short time to make a profit. Two approaches are taken to this. Some lenders have an APR rate that reflects the short-term nature of payday loans. Other lenders don’t charge any interest at all, and instead, agree on a fixed fee with the customer.

No. When you apply for a short-term payday loan, lenders only perform a soft credit check. This will not be visible to other lenders on your credit report and won’t harm your credit score in any way. If you go on to accept the loan offer, then the direct lender is required by law to perform a full credit check before releasing the funds. However, if you accept a loan and make all the repayments on time, it should only improve your credit score. The flip side is that if you fail to make any payments, it could damage your credit score.

Short-term loans through Payday UK can be used for any purpose. The majority of our customers need extra funds to cover an unexpected bill, such as a car or house repair, or vet or medical bill. Whatever you need the money for, we understand that most of our customers need access to the money quickly. That’s why our lenders do everything they can, from the instant decision to a process that can be completed online, to get the funds into your bank account as quickly as they can.

We provide access to loans from £50 to £5000. You can apply for any amount within this range, even if you have bad credit. You can also select a repayment period between 3 and 36 months. This allows you to tailor a loan to your exact requirements.