Personal Loans For Those With Bad Credit - Payday Loans

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

Personal Loans For Those With Bad Credit

Average people always try to plan their finances as much as possible. However, there will come a time when to face unexpected expenses. These emergency are manageable if they come after payday, but what if they happened before your expected salary came. Many individuals turn to their family members or friends. What if you do not have that option? Then payday loans are a good choice for your situation.

Then you will most likely look for a loan. This type has been very popular over the years across the country. Despite its popularity, there are certain questions ask yourself before you apply for one.

The Amount

First, figure out how much you need. It is important for you to ensure that you only get what you need. Since the application for this particular cash advance is quite easy, you might be tempted to borrow more than what you actually need. If give in to this temptation, you might not be able to get out of this type of debt.


Afford the payments required for resolving the debt. It is also best to choose a lender that is transparent, meaning they have no hidden costs or fees. They simply lay out a chart of repayments needed for specific amounts borrowed.


Before you make an application, make sure that you qualify. Be at least 18 years old and have an existing bank account with a card. Be employed and a resident in the UK. If you qualify, we guarantee cash to your account in record time.

Last Resort

Many experts say that this should be your last resort. Be really sure that you are making the right choice for your particular situation. This type of cash advance is not suitable for those who are in long-term debt, because they might end up getting into more financial trouble with no check.

Consider all these and you really want to borrow but you have poor score? Here are some tips to guide you when making application for loans.

First of all, you need to consider all the factors mentioned above. You must also have all the information and documents needed. These include your contact information, social security number, proof of employment, proof that your bank account has been open for quite a while, and a valid email address.

The next thing you should do is to visit the lender’s office and fill out the application form. After that, read the lending agreement and understand all the details. After submitting the form and once determined how much you want to borrow, the lender will charge you a fee or the interest rate. Some lenders will ask you to write a check.

The usual repayment is until the borrower’s next pay. Once that day arrives, the lender will cash in the check that you have issued when you applied. If  not enough cash in your account, you can expect your transaction with the lender to be over. You will also see mounting charges continue to miss the deadline.

A Quick Tip

One of the best ways to improve your score is to manage your charge cards responsibly. Settle your instalment as promised and eventually see an improvement in your score. Once you do this, the bureau will consider as less of a risk and have higher chances of getting approved for a much bigger loan like mortgages.