Payday Loan for Bad Credit.

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 Loan for people with Bad Credit

What  is a Bad Credit  Payday Loan

Payday Loan UK
Borrow£100 to £5,000
Loan typeLong Term
Apply with bad credit?Yes
Interest Rate292% PA

A bad credit loan is a loan given by lenders to someone with poor credit or no credit history in the UK. They are for people who have bad credit scores who direct lender classifies them as a risk with regards to their ability to make the repayments on time. Examples of this loan type are guaranteed loans direct lender with no credit check and payday loans. You can typically get this type of loan if you are employed.
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Applying for a Payday Loan with Bad Credit?

What are payday loans for bad credit? They are a type of loan given to people who need funds quickly. If you are unemployed or on benefits, you can likely qualify for this type of instant payday loans uk. They are also called short-term loans, instalment loans and payday loans.

When people get this type of lending, it is usually because they are low on funds, yet have immediate emergency payments to make. They are repaid when a person gets their next paycheque from their employer, hence the term “payday loan”. They also have been called short term loans or cash advance loans. In the UK, they are regulated by the government, where there are many laws protecting borrowers.

Applying for a Short Term Loan

Those wanting short term loans in UK should beware of lenders advertising payday loans bad credit 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.

  • Borrow £100 to £5,000 unsecured
  • Repay over 1 to 5 years
  • Small Loans that are Easily Repaid
  • Made for people with poor credit
  • Virtually instant lending decision
  • Multiple lender options available
  • Payouts possible within 24 hours

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.
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  • What are poor credit loans? Many people search for the term “poor credit loans” in an attempt to look for a lender that will lend them money as they are low on money or have experienced an emergency and they know they have poor credit. Traditionally payday loans bad credit are paid back in full when you next get paid. However, other short-term options may help with your bad credit payday loans situation, such as short-term loans where the direct lender loans for bad credit application term is longer. It is a term used to refer to loans that are made to customers with bad credit. On the whole, people with a solid credit history are more likely to be approved for a loan, while people with poor credit are more likely to be declined or receive less favourable loan terms. Does that mean you can’t get a loan with bad credit? Not at all! Continue reading to find out how you can get a loan if you have a job, they’re called payday loans.
  • Applying for a payday loan with poor credit When you apply for a payday loan, your past history will be checked. However, your credit report is not the only factor used when applying for a loan. Other details are considered as well, such as your income and expenditure, or whether you rent or own your home. If you have a poor credit profile, this will bring your score down and make it less likely the lenders will accept your application, it is one of the major factors that keep people from borrowing. Most lenders place a large emphasis on your score and don’t cater to people with low, bad and poor credit reports. You can take steps to improve your score such as using a credit card with a high-interest rate designed for people with poor credit, but this can take time and isn’t helpful when you need immediate cash. If you have a job, however, you have a good chance of qualifying for a payday loan.
  • What should you know before borrowing Payday loans are a lending stream you get when you are low on cash, for a short duration. Because they are mostly unsecured loans, they typically cost more but are great for people with credit histories that are poor. To apply for one, click the link to apply.
  • What are Direct-Lenders? We are not a direct lender. We are a broker. We can help put you into contact with a direct lender. We are a broker, and our service is designed to promote your application to lenders who are willing to make a loan to you.
  • Other types of lending available There are alternatives to short-term and instalment loans on the internet. There are logbook loans, personal loans, secured loans and re-mortgaging if you own a property. We do not offer these kinds of loans, but they may be something you want to consider if you want a lower interest rate and have good credit, or collateral to offer.
  • Logbook Loans – We do not offer logbook loans. They are loans that are secured on your vehicle and loans are available between £500 and £50,000 depending on how much your car is worth, although some firms will only lend you up to half of the value of your car. When a logbook loan application is taken out the owner is asked to hand over the vehicles logbook and registrations documents, this means the loan company then owns the vehicle until the loan is paid back.
  • Secured Loans Secured loans are often used to borrow larger sums of money, usually £3000 plus. They are called ‘secured’ loans as they refer to the fact that a lender will require something as security in case you cannot pay the loan back, which is usually your home. These types of loans are less risky for lenders as because if you do not meet the repayments the lender can repossess your home.
  • What is a guaranteed payday loan? Of course, there are no such thing as guaranteed loans. For instance, if you are not employed, it is highly unlikely that anyone would give you a loan. There are circumstances that warrant not issuing a loan to some people such as having bad credit. There are lending options if you have bad credit, such as guarantor loans, Serpable,’s lender panel contains some guarantor lenders such as Amigo.

What are Payday Loans for People with Bad Credit?

They are loans people get when they have very bad credit. They can be small loans that people get the same day. These are quick loans which are also payday loans because people repay them when they are paid by their employer, hence “short term loans”.

Are No Credit Payday Loans Available at PDLN?

A no credit check payday loan, where a potential lender does not check your credit, is not possible in the UK. All lenders in the UK must verify credit history as part of the lending process. It is possible to obtain a payday loan, however, as many lenders issue loans to those who have poor credit but are gainfully employed.

Get 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 or short term payday loan for bad credit.

Improve Your Credit Score If Possible

The first priority for any potential borrower should be improving their credit. This means evaluating your existing lines of credit, making a plan to repay them on time, even considering debt consolidation. Reducing debt may not build your credit as quickly or efficiently as you would like, but getting back to zero means creating a foundation to rebuild your credit upon, and that should be your top priority.

Payday Loans – Riskier for Lenders

As you might imagine, not all lenders will make bad credit loans. People with bad credit are considered more likely to default on loan payments, and some lenders will not take on that risk. Other lenders are more willing to accept credit risks than traditional lenders, such as banks, or even a majority of subprime non-traditional lenders. If a lender does provide loans to people with poor history of borrowing, the interest rate is normally high.

Bad Credit Payday Loans

Payday loans bad credit 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.

Do you need an easy payday advance from a direct lender? If you’ve got a job, chances of getting a loan are better. When receiving consistent payments or pay cheques and have a bank account, we will send cash to you instantly. All of this can be authorized online in minutes. We can help you get fast cash, even if your borrowing history is bad. These are called payday 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.

What does it mean to work with a payday lender that works with people having bad credit? Your credit history is a required aspect of borrowing money, whether from a bank or online. Lenders in the UK are actually required by law to check your credit score. Since payday loans require lenders to lend money, it is important to find a company such as ours which helps people with this situation get the loan they need.Bad Credit Payday Loans Direct Lenders

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 for further advice.

How to Qualify for Payday Loans

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, 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 us, 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.

It’s important to not borrow more than you can afford. You need to borrow an amount that is right for you and your financial situation. Get payday loan even with a poor borrowing history by clicking apply above. Payday loans are regulated by the Financial Conduct Authority. In the UK you cannot get a loan where the lender does not check credit.

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.

Do you have a source of income? If so, you can likely repay your loan, even with poor credit history and poor score, short term credit is available. Payday lenders will review your payday loan application and judge your ability to repay for short term loans. Make sure you have ability to repay before application. For those looking for affordability, consider our APR interest as being competitive.


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.

Bad Credit History?

If you have a bad credit history, you will often find that a lender will still approve your loan. One of the reasons for this is that people often overestimate how bad their score is. Furthermore, much of the risk of lending to people who have poor credit is accounted for in the higher rates of interest offered. Many people are so concerned about this that they search for loans with no credit checks in the hopes of You can apply for loans with no credit checks to ensure that they qualify. All lenders are required to perform credit checks. You can apply for short term loans for free and see what the lender has to say. In most cases customers will have an immediate decision.


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 payday loan?

They are a type of loan given, even when the person apply has what they consider “poor credit”. Credit checks are in fact performed, however, other factors can help (such as having a job). The difference is that lending companies have the option to focus on your employment and use that as a deciding factor to allow the loan. This helps you get a loan even with bad credit.

Your credit rating and your score will be checked if you apply for loan. You need to be able to repay the amount borrowed, and therefore, employment is a requirement. Get payday loan with a less than favorable score by submitting your application.

What are “no credit check” lenders?

Many people search for lenders that have no credit checks whether you live in Newcastle, Manchester or Leeds . 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 credit. Just contact us with your application to be able to get your loan wired to your bank account within 24 hours. Anyone can apply for loans in most cases, customers are able to get money quickly and affordably.

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

Select the right type for your current financial situation. We are committed to responsible lending. Our offers are subject to status of the applicant. We will never charge when you apply for a loan. Your loan application will include your debt, the affordability of the loan, establish what income you have and your ability to repay. Payday lenders will make a decision based on your loan application. If you cannot repay, or are unable to afford to repay you should reconsider.

What is a guaranteed payday loan?

There are circumstances that warrant not issuing a loan to some people. Therefore, there are no such thing as “guaranteed loans”. Poor lending history is considered, so there is no such thing as loans with no credit check. If you are employed and can prove ability to pay, your chances of getting a loan are increased. Make sure you repay your loan in a timely manner. If you are unable to repay it can be bad for your credit record. It is important to apply for payday loans that you can afford. Warning, late repayment can cause you serious money problems. Applicants must be employed and only apply for loans they can afford to repay.