Bad Credit Payday Loans

£100 - £5,000 paid out in 20 minutes

How much would you like?

Apply Now
Representative Example: Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Warning: Late repayment can cause you serious money problems. For help, go to

Payday loans are available for almost any purpose. We offer bad credit payday loans when you need cash in a hurry. Our service is quick and easy to help you get your hands on extra money when you need it most.

We work with a range of lenders who will consider approving bad credit payday loans to people who have had some financial difficulties in the past. If you’ve had an unexpected bill between paydays, and don’t know how you are going to pay for all the things you need, apply for a bad credit loan today and let us help you.

The whole process can be complete online from home – each step is straight forward and uncomplicated. You will have an answer almost instantly, and if approved, the cash could be in your bank account by the end of the day.

The benefits of having a bad credit payday loan

When you are short of money due to an unplanned expense, it is very stressful. While you continue to work and look after things, your mind is on your financial problems and how to solve them.

It could mean you lose concentration and appear distracted. If a short term cash injection would solve the issues and allow you to pay the unexpected bills, then look to use a payday loan, even with a bad credit score. Make sure the repayments are affordable and won’t create more difficulties further down the line before you apply.

Once you have the money in your bank account, you can settle the immediate problems and get back to normal life. It’s the way thousands of people manage those little emergencies that crop up from time to time.

A bad credit payday loan explained

If your credit score is poor and you’ve made some financial errors in the past, you might think that you’re not eligible for a loan. However, there are lenders prepared to offer bad credit payday loans to those who need access to some extra money. So, what is a bad credit payday loan? They are short-term loans designed specifically for clients with less than perfect credit.

They have been put in place to help with unexpected bills, these loans can help people overcome difficult times. Without an ideal credit history to vouch for an applicant, the lenders are taking more of a risk with bad credit borrowers. This is why they charge more in interest rates for payday loans. But as the money is only borrowed for a short period of time, the extra money you part with can be kept to a minimum.

If the full loan is repaid in just a few weeks, when your next wage comes in, the amount of interest due can be relatively small. Some bad credit payday loans can be repaid over several months to make them more affordable. The longer it takes to repay the loan, the more you will pay in interest as you will be charged each month. To keep the cost of borrowing down, it is best to repay as quickly as you can.

How does a bad credit loan work?

Mainstream lenders do not tend to offer loans to everyday people who have poor credit ratings. The high street will look at your financial history and want to see no late payments, no CCJs and no defaults. Many of us have made bad decisions in the past, but that does not reflect our situation today. So if you want to borrow money, and are looking for someone to provide a bad credit loan in a hurry, then we can help.

Our panel of lenders are open to applications from working people with a poor credit rating. Instead of looking at your past, they look at your current situation. The main thing they review is your income and ability to make loan repayments.

Lenders will try to understand how likely you are to default on the loan – and if it looks like you can meet your short term obligations, they will approve your payday loan.

Compare Lenders

LenderAvailable AmountsRepresentative APRLoan Duration
QuidMarket£300 to £1,5001301%3-6 months
Loans 2 Go£250 to £10001013.3%18 months
Ferratum£300 to £7001270%62 days to 4 months
MyJar£100 to £20001081%3, 6 or 12 months
Sunny£100 to £25001267% 6, 7, 9 or 14 months

How do I know if I need a bad credit payday loan?

Credit scores are a way of telling if a person manages their finances well. Different things go into a credit score, such as the number of credit cards and quick loans you have, the number of recent house moves, how many loans you have been turned down for, any late payments and if you have CCJs. There are different scales used, but most scores range from 0 to 700. You can check your credit score by asking one of the credit agencies. Scores of around 350 and below are considered poor.

Having a low credit score isn’t the end of the world. There are companies out there who are willing to lend money based on bad credit. As they consider bad credit payday loans more of a risk, they charge a bit more in interest. As long as you pay back the money as agreed, in full, the interest is kept to a minimum.

Do we lend money ourselves?

No, we are brokering service which means we match borrowers with lenders. We collect your information via our online application form and put you together with companies who can lend you the cash you need. Once you have agreed the terms of the loan, you and the lender will be in contact with one another until the loan is closed.


If you’re thinking about taking out a bad credit payday loan, here are some things you should know:

How much can I borrow with a bad credit payday loan?

These loans are ideal for financial emergencies and can be for £100 up to £5,000 although the higher the amount applied for, the more likely you will be turned down.

When can I have the cash?

Once the process is completed, the money will be transferred to your bank account within hours.

Do I have to have a UK bank account to apply?

Yes, you must have a British bank account that is open.

Do I have to be over 18 to take out a bad credit loan?

Yes, you must be at least 18 years old.

Do I have to be employed?

You do need to be working to apply for a payday loan.