Bad Credit loans for people on benefits

Apply For Up to £5,000 *

Representative Example:

  • Loan amount £200 for 35 days.
  • Payable in One total repayment of £256.00
  • Interest charged is £56.00,
  • interest rate 292% pa (variable).
  • Representative 1212% APR.

Select an amount

  • No Hidden Extras
  • Simple Application Process
  • Safe & Secure

Representative Example:

  • Loan amount £400 for 90 days.
  • Payable in 3 monthly instalments of £187.31
  • Total amount repayable £561.92
  • Interest charged is £161.92,
  • interest rate 161.9% pa (variable).
  • Representative 305.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to

Payday Loans – Bad Credit Loan for People on Benefits

Loans for People with Bad Credit (Even With Benefits)

Loans for People on Benefits with Bad Credit Score
Borrow £100 – £5,000
Loan type Short Term (No Guarantor)
Repayment Weekly or Monthly
Interest Rate 292% PA

Apply for a payday loan now by clicking the “apply” button above. What are payday loans? They are small loans offered without security, which are typically paid back from your wage, salary or pension or other type of income, hence the term “payday”. If you are employed and are in need of emergency funds to resolve unforeseen bills, apply for a payday loan uk bad credit today.

If you are on benefits or receiving beneficiary payments, please submit your application today.

What are Payday Loans UK for People on Benefits?

payday loans for people on benefits with bad credit

They are a type of loan given to people who need funds quickly. If you are unemployed or on benefits, you may qualify for loans for people on benefits. They are also called personal, short term, installment UK. Many things are evaluated when you apply, including the amount of your income, your ability to repay and your credit history. It is possible to qualify, even if you have bad credit, if you have steady employment and the ability to repay the amount you borrow.

They are a small loan of short duration and high acceptance, and typically unsecured. This means that there is no collateral placed against what was borrowed. The amounts are small and can usually be repaid easily on the next pay cheque.

It is not guaranteed that lenders will loan money to you with high acceptance. However, this type of benefit loan has a higher acceptance rate because they charge higher interest or fees. The risk is built into the pricing, thus they are more expensive. We are not direct lenders, but a credit broker. Click the “apply” button to get started borrowing your next payday same day loans.

Loans for Benefits

loans for unemployed people

What are loans for benefits? They are small sums of money that people apply for in the UK where they hope that benefits will supply at least some of the income necessary to qualify.

Benefits income that payday lenders will accept as income typically include:

  • Incapacity Benefit
  • Disability Living Allowance
  • Severe Disablement Benefit
  • Disability Working Allowance
  • Industrial Injuries Disablement Benefit
  • Family allowance (verification not required)
  • Family tax credit/working tax credit
  • Income from fostering can be used.
  • Tax Credits may also be included where it forms part of the applicant’s net pay.

Benefits that our lenders will likely not consider as income:

  • Housing Benefit
  • Income Support
  • Child Support Payments
  • Job Seekers’ Allowance
  • Pension Credits
Payday Loans for Unemployed People

loans for unemployed people on benefits same day

The ideal scenario is to have money for emergency situations. However, sometimes emergencies happen and people are required to borrow money on short notice. People get quick loan from payday lenders which can help in a tight financial crunch. People get these loans for one month and sometimes longer. You can apply online for this offer here on our website. This can be enough to help you cover emergency financial situations such as bill payments or car repairs.

Fast Approval

There are UK online loan sites which offer loans for people on benefits, and we are one of them. The application process requires around 15 minutes time. The application forms are short and straightforward. You can get a quick response to your application if you submit now. It is then transferred directly to your bank account, if your request is accepted.

Loans for People With No Upfront Fees

loans for people on benefits

What is lending for people on benefits? Payday loans are traditionally thought of to function as allowing someone to borrow money who will repay it with their employment check, hence the term “payday”. Many people don’t realize you can also get these if you have an income derived from benefits.

A payday loan may be available if you receive benefits, such as disability, government benefits, structured payments from a court settlement, payments from a will or trust, and many other types of unconventional income. Loans with no upfront fees is especially easy to get.

Loans for Beneficiaries

Short term loans can help a person obtain emergency funding when they are unemployed. If you are receiving other types of income, this can help you get a payday loan for unemployed. Apply today to see if you qualify.

Best Loans for People on Benefits

loans for people on benefits with no upfront fees

It would be very difficult to qualify for a payday loan if you are employed. These types of loans are made based on your ability to repay. If you are not employed, it usually means you will not be able to repay. However, if you have other types of income (such as being on benefits), it is possible you could qualify. Other factors will be reviewed, such as your credit score and unconventional types of income.

Getting payday loans can be an easy solution to small financial problems. However, these types of lending are expensive, so only use them in cases of emergencies. Every day, thousands of people find themselves short on funds and unable to pay for emergency expenses. If this includes you, consider filling out an application here by clicking the apply button above.

Paydays loans let you pay for emergency expenses when you otherwise wouldn’t have the funds, and allows you to repay it with your next employment pay cheque. This type of loan is not meant to be a long term solution for cash problems, because the interest rate is so high. Also, if you don’t pay when the date is due, you will incur additional interest and more penalties. Your goal should be to borrow small and return the money promptly.


Join over 100,000 people who have already taken out a Loan
Few reasons why you should choose Payday Loans Now if you want a personal loan, a fast no guarantor loan or you need a bad credit loan:
✓ We have personal loans up to £5000 from 292% APR ✓
✓ You will know if you’ll be accepted before applying ✓
✓ No credit score will be affected ✓
✓ We don’t charge any fees! ✓
✓ If eligible you can borrow more money later on ✓
✓ User friendly online loan management platform ✓


How can I find the best online lending?

Like any other lending product, you should consider whether it is affordable. Examine the loan features and compare them to alternatives available. Apply for only enough that meets your needs. When obtaining a loan, you are essentially renting money. Pay it back with your next pay cheque from your employment and resolve the debt as quickly as possible.

How should urgent loans be used?

You should be use them as a quick remedy for urgent expenses or bills, but not as a long term financial solution. They are short term finance you obtain from an authorized direct lender. As soon as possible, repay it. Long term it is advisable to get your finances under control, to spend less, downsize and increase your income in ways that make the need of getting a payday loan diminish.

Do we have “instant loans” available?

Instant refers to how quickly a decision is made to give you funds, as well as get the funds into your bank account. While we endeavor to give you a near-instant reply to your loan request, the word “instant” will mean different things to different people. When you click apply and fill out your information, you receive a quick decision. We endeavor to provide money quickly, as those who need to borrow typically have urgent financial needs. In some cases, you may get money in as little as 24 hours or the same day as you apply, though this is not guaranteed. If you have bad credit or haven’t lived at your current residence for long, for instance, we may seek additional documentation which could extend the amount of time it takes to get your money.

How do I get a payday loan in the UK with bad credit?

You may be able to get a loan online, even if you have bad credit since our loans with bad credit cater for that. New loan lenders of payday loans do not strictly rely on your credit score, though it is one factor. When applying for this type of loan, it is assumed that your credit is not perfect. Other factors are considered, such as your employment and ability to repay.

Can I get a short term loan without a credit check?

No. Under FCA regulations, authorised lenders must perform a credit check. However, you are able to apply even if your prior credit history is not good, because many factors are considered, such as your employment. If you are still not certain, read online for reviews of the particular lender you are concerned with. You will quickly discover whether they are trustworthy or if there would be problems in dealing with their services. We have many lenders we work with, each with their own credit standings — you can research the specific name of the lender you are paired with once you receive the offer, (we think our lenders are fantastic, by the way).

What is a payday loan?

A payday loan is an unsecured lending of a small sum that is typically lent at a higher rate of APR interest, when both principal and interest is paid back at one future date. This industry underwent rapid growth in recent years with a market well above £2 billion. Thousands of people resort to this type of lending to meet their monthly budget in times of crisis.

How long does it takes to complete an application for an online loan?

Application only takes you a couple minutes. Apply for a loan only after you have researched the company you are dealing with and are confident you are dealing with a credible company. While it can be completed quickly, you should take the time to provide all necessary information. For most, the process is very quick and results in a transfer to your bank account within minutes of application.

What type of person applies for these types of loans?

Thousands of individuals have found lending through Payday Loans Now, whom we are grateful have used our services. These are middle-class people who have steady jobs and yet occasionally come across difficult financial barriers in cases where they know they will receive funds at a future point, but unfortunately their next payment doesn’t come quick enough to meet their immediate needs.

Payday Loans in the UK – Things you need to know

The UK started by having retail shops offer lending services. They argued their higher interest was justified because there is a higher risk involved, and more service included in issuing small loans. The market really exploded when the concept was taken online. Now, the industry is heavily regulated — where there is a cap on the interest able to be charged, as well as required processing such as credit checks, bank verification checks, fraud prevention and other safeguards and regulatory requirements. There are anti-money laundering and responsible lending checks that are required.

How many people use pay loans?

The ACCA conducted a study in 2012 that analysed over twelve million pay loans that were issued in the UK. The amount lent was over £3.7bn worth of credit extended to UK borrowers and over £900m was paid in fees and interest. The growth of this industry has been tremendous. You certainly are not the only one in need of urgent funds — millions of people share the same boat as you.

Complaints about lenders tripled in 2016 to the Financial Ombudsman, who released that data in their latest statistics. During this time, we have found our complaints to actually go down. We look to continue breaking the trend as more people realize there is a moral and responsible lender available to them in our company.

How to compare loan offers online?

The fact is there are many companies all promoting different rates or features within their loans, so how can you compare these to get the right one for your complex situation? Many smaller decisions are wound within this task, with choices between interest rates, extra charges, penalties if you are unable to repay promptly, and other diverse issues. While you are free to compare lenders using a website that reviews each one, we encourage you to check them out for yourself. Keep an eye out for the APR interest they charge. Apply above to see what kinds of rates we are able to offer you.

Final thoughts on keeping yourself safe while shopping for a loan

If you are ever contacted by someone from Payday Loans Now claiming to be offering a loan, it is a scam. We do not outreach like this. We conduct ourselves entirely online, through this website. We will never cold-call you, soliciting for you borrow from us. Thank you for visiting, and we hope to help you in the near future!