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Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

What are bad credit loans?

Bad credit loans are a cash advance that is sent to you by a lending company when you are low on money. It is usually paid back when you get your weekly pay cheque, hence the term “bad credit loan”. In addition, these are also called a payday, instalment, short term loan for bad or poor credit payday loans.

What are No Credit Check Payday Loans?

A no credit check payday loan is where you borrow money from loan companies, but they do not factor your credit history. They do not place much weight on prior lending, hence the term “no credit check loan”. The result is many lenders give less weight, instead relying on other factors such as employment.

Payday Loans Bad Credit UKAmountAccepted
Bad Credit Payday Loans Direct Lenders Only£100
Bad Credit Loans£200
Short Term Loans for Bad Credit£300
Payday Loans No Credit£400
Payday Loan Bad Credit£500
Easy to Get Payday Loans£600
Easiest Payday Loans to Get£700
Bad Credit Payday Loans Direct Lenders Only£800
Bad Credit Payday Loans£900
Short Term Bad Credit Loans£1000
Poor Credit Direct Lenders Only£1100

Applying for a Payday Loan with Bad Credit

Those wanting short term loans in UK should beware of lenders advertising bad credit loans as it’s important lenders make sure a borrower can repay the loan for which they are applying. We use the information included in applications to determine whether a person can repay the loan. This online application is straightforward and provides the customer with flexible options (for loan amounts and repayment periods). If approved, we will send the funds within 10 minutes of approval.

Short Term Loans

  • Borrow £100 to £5,000 unsecured
  • Repay over 1 to 5 years
  • Made for people with poor credit
  • Virtually instant lending decision
  • Multiple lender options available
  • Payouts possible within 24 hours
  • Representative 728.9% APR

One major factor that keeps many people from borrowing is their history. Conventional lenders like banks do not cater to people with low, bad, or no credit. There are steps to take to slowly improve your score, but that doesn’t help when you need immediate cash. If that is the situation unfortunate situation you find yourself in, there’s good news. We do not perform checks into your financial history. Our criteria for deciding whether to lend comes from other factors, such as your ability to pay.

Personal Loans for Bad Credit

Personal loans are unsecured debt, not backed by collateral such as a home or car as is the case with a mortgage or auto loan. Lenders typically use credit scores to determine whether to give you a personal loan, at which interest rate. Payday loan lenders have the option of putting less focus on bad credit, and more on employment.

Personal Loans for Bad CreditAmountAccepted
Bad Credit Personal Loans Direct Lenders Only£100
Bad Credit Personal Loans£200
Direct Payday Loan£300

What you should know before borrowing

They are something to get when you are low on cash, for a short duration. Because they are unsecured, they typically cost more but are great for people with histories that is poor. To get one, click the link to apply. Finally, we have the lowest interest rates of all lenders.

Do you need an easy payday advance from a direct lender? If you’ve got a job, we can work with you. When receiving consistent payments or pay cheques and have a bank account, we will send cash to you instantly. All of this can be authorised online in minutes. We can help you get fast cash, even if your borrowing history is bad. These are called pay day loans, because we rely on your employer’s pay cheque or similar earnings as evidence that you can repay.

Representative example

Borrow£100 for 13 days
Interest rate140% pa (fixed)
One repayment of£104.92
Representative728% APR

If you need short term lending but are afraid you won’t qualify because you have a poor history, we can help you get same day cash by applying online. Our establishment is located in the UK.

Why is it important to borrow directly from the source? It has to do with skipping the middle man and going straight from the source. It’s an unfortunate experience working with some online sites which purport to lend, but in fact ship you off to many other websites in an effort to earn by referring you. While we all want to make a living, isn’t it best to cut to the chase? Your time is valuable! When you’re knee deep in debt and in an emergency situation, you want an immediate life line and to avoid wasting time. Other types of operations will receive your credentials and then sell them, causing being hassled by many different salesmen trying to sell a product, perhaps long after your immediate need for money has been resolved. Rest assured, our company will process your application without involving middlemen.

We have our own team of financial advisers who are ready to assist you once you decide to apply. These experts have years of managing finances under their collective belts. Our entire application process is conducted online. This removes any obstructions to providing lightning speed sending your payment directly to your bank account. Our service is superior to competitors who instead defer to other people in hopes of generating a commission.

Compare payday loans in UK for better results

Compare payday loan lenders that offer UK loans where they are available even if you have a history of late payments. After completing a simple application you can borrow money. As a warning, if you have late repayments it can cause problems to your finances. For help in correcting your situation, visit moneyadviceservice.org.uk for further advice.

How to Qualify

There are many kinds of lending — here we’re focusing on the “pay day” type. These are short duration that have benefits and disadvantages. Regarding “the bad”, they are made at high interest and include fees which are extremely high. This is not the avenue you wish to take unless there is a good reason, as in you can’t get by without it. Even after applying for one, you should be thinking about the steps you’ll take in order to not repeat the mistake of needing to borrow at such high interest.

So far we’ve repeated the negative aspects, but then there is the plus side. It’s extremely easy to pass the requirements. Qualify with evidence of a gainful employment, or receive payments at intervals, you qualify even with an unpleasant borrowing history (or no history). This can relieve much of the stress associated with being out of cash. If you’re in a desperate situation, money is available. If you are new to borrowing, or even a sketchy past when it comes to handling finances, this will not prevent you from getting fast cash when employed.

We have no credit check payday loans, making it possible to borrow even if you have a history that is not good. When borrowing and make timely payments, it is actually great for your score. In the future, potential lenders such as banks, who have elongated repayment structures (they want paid back over an extended period of time) will be more available to you. It is worthwhile to research online how to improve chances for borrowing at better interest, quality rates without needing collateral. Another benefit in beefing up your borrowing prowess is not requiring a guarantor or co-signer for a cash advance.

We are a leader in guaranteed lending and have high acceptance. Apply today and rest assured knowing you have quick cash in your account. With PDLN, taking out a personal loan has never been easier. We offer the cheapest and lowest APR available within the market, meaning that the amount required to pay back is guaranteed to be less than with any other provider. To take advantage of the service we offer, fill out the quick and easy form below. The form simply asks you to enter the exact amount you request and for how long to borrow it. There’s no need to worry about any uncomfortable personal questions, as the form only requires a small amount of information to be filled out. Simply fill it in and get the cash that you are applying for transferred into your account in an instant, with no hassle, no fuss, and no unnecessary worry.

Other Types of Lending Available

If a high acceptance lender seems to be your only viable option, then consider the alternatives. Logbook, short term loans, secured, and re-mortgaging options are available as other routes for you to explore.


These are financial arrangements, which are secured using your vehicle, so that the person who is lending you the required amount of money owns your vehicle instead of you up to the point when you pay it back. Continue using your ride as collateral as long as you continue to service it. Another great thing about this is that just because you take money out with your car as collateral does not mean you cannot continue to use the vehicle.

Short Term

These refer to borrowing money for a particularly small period of time. Often, they will last for a couple of weeks or months, and can provide you with varying levels of financial help depending on the lender you choose. Often, borrowers prefer this in comparison to other options, as the repayment schedule is quite flexible, allowing them to avoid unnecessary financial stress. You can get them from your local bank, or even online. Direct lenders can assist you with this type of lending.


A secured loan that is guaranteed is only available to people who own properties or hold a mortgage. The reason it is secure is that the lender you borrow from acquires the rights to forcibly sell your home to get their money back if unable to continue. Although it may be somewhat disappointing to learn, the secured part applies to lender’s interests, not yours. If unable to pay off the cash you have borrowed, you could end up without a house. They can be easier to obtain than other forms of financial help, especially if you are an individual who suffers with the issue of a poor score. Because they provide lenders with a form of compensation should they find the money they lend out does not get returned to them in time, they are typically more willing to lend to those wanting a an easy loan. Another reason why someone do this is that it does allow for a larger amount borrowed, and for a longer time period. With this option, expect your pay-back period to last anywhere between five and twenty years.


Re-mortgaging, otherwise referred to as refinancing by some, is the ability to resolve a mortgage using the proceeds received from a new mortgage while still using the same piece of property as security. In some cases, re-mortgaging could save you a small fortune, as even cutting one percent from your mortgage repayments could cut your costs dramatically. This will take some time and effort on your behalf, as you will have to dedicate some consideration to finding the perfect deal for you. This means deciding what kind of mortgage you want, and what the best options are for your financial security, now and in the future. Of course, re-mortgaging is not for everyone, even despite the potential savings, and you will need to think about what you need, the timing of the re-mortgaging procedure and any personal circumstances that may impact upon your decision.

Other Types of Lending

There are different kinds that can be regarded as instalment loans. For example, 1 month lending that is intended to provide you with the money requested for the period of one month only, meaning you typically pay back with what you will obtain from your next pay cheque. Another example could last anywhere between a few weeks to a few months in duration. Borrowers typically prefer this to other types, as the repayment schedule is reasonably flexible. Finally, you could apply for a logbook loan, which is secured using collateral. With a logbook loan, you can continue using it for as long as you may need to do so, but you do have to continue paying back the money in regular instalments.

Avoid the hassle of working with brokers. A direct vendor can get you the best rate. Follow the link below to an easy form. You could have cash in your bank account within minutes.

What is a bad credit loan?

They are a type of loan given, even when they have bad credit. Its not that no credit check is actually performed, because lenders are required by law to do so. The difference is that lending companies have the option to ignore this and focus on employment. This helps you get a loan even with poor credit.

What are “no credit check” lenders?

Many people search for lenders that have no checks of prior payment history. The truth is that all direct payday lenders are required by law to perform a check of your prior lending history. However, many lenders will ignore this information in favour of relying on your current employment status. This helps you get a loan even with poor lending history.

How is a short term loan different from a payday loan?

These are two different types of lending, where payday is completely paid (principal and interest), whereas the other is an instalment and allows multiple payments until the loan is completely repaid. Select the right type for your current financial situation. Both financing options are available from our lending company with easy repayment according to your needs.

What is a guaranteed payday loan?

There are circumstances that warrant not issuing a loan to some people. They are called “guaranteed” because most people expect a bad history of repayment to prevent them from receiving a loan. However, some lenders do not rely on this, instead focusing on employment. We can issue bad credit loans if you are employed and can prove ability to pay.

Get matched with a direct lender today!

You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk