Guaranteed Payday Loans *

£100 - £5,000 paid out in 20 minutes

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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

Guaranteed Payday Loans – Do They Exist?

A payday loan is a quick injection of cash that is borrowed for a short period of time. Designed to help when emergencies and unplanned expenses crop up, these loans are simple to apply for and the money can be ready to use within a few hours.

For many, they are the ideal way to get through a temporarily difficult time between paydays. They are considered to be much easier to get than convention loans from high street banks who only want customers with perfect credit scores. Payday loans are attractive because they are accessible to people with lower credit scores and those who might have made financial errors in the past.

The amount of money borrowed is to be paid back at on an agreed date, usually just a few weeks later on payday. The amount is paid back in full which is how this type of loan differs to others where you pay the money back in a series of payments over several months. Payday loans are a quick solution to an unexpected expense – they are a great way to make ends meet when things are thrown at you like a car repair or high utility bill. But are guaranteed loans available to everyone?

Who Can Apply for Guaranteed Payday Loans?

Payday loans fill a need for lots of people who want to get their hands on some cash quickly. These are everyday people who would be turned down by conventional banks due to bad credit scores. Short-term financial solutions like these are often referred to as guaranteed loans, but they are not strictly speaking 100% guaranteed.

The companies that lend the money must check that the borrower has the means to pay the cash back, otherwise they would be acting irresponsibly. The lenders carry out a softer check, one that will not affect your current credit score, to make sure you are eligible. Once this is established then the borrower will be presented with the terms and costs of the payday loan, and the option to stop the lending process if they decide it’s not for them.

How Do Payday Loans Work?

By simply filling in an online form, you can start the ball rolling for a payday loan. You will be asked a few questions about your circumstances and the amount of money that would be affordable for you to repay. A decision is quickly made so you know what is going on. Next, you will be given a credit agreement so you can see exactly what you can borrow and how much the fees and interest rate would be.

This makes sure there are no surprises and you can decide whether or not you want to go ahead with one of the payday loans. Once you have formally accepted the agreement, then the cash is transferred into your bank account. It could be there in minutes, depending on your bank and its policies.

We are not the lender and you will not be entering an agreement with us. We bring together reputable lending companies and match them with individuals who are looking to borrow money. The lenders understand that not everyone has a perfect credit score and they are open to applications from people with bad credit. They cannot promise to offer guaranteed loans, but they will consider everyone no matter what their circumstances.

Compare Lenders

LenderRepresentative APRAvailable AmountsLoan Duration
Lending Stream1333%£50 to £1,500Up to 6 months
Cash4unow1314%£150 to £10004 or 6 months
Oakam1421%£100 to £5003, 6 or 12 months
THL Direct1306.21%Up to £125Up to 3 months
Buffa1124%£100 to £10003-6 months
QuidMarket1301%£300 to £1,5003-6 months
Loans 2 Go1013.3%£250 to £100018 months
Ferratum1270%£300 to £70062 days to 4 months
MyJar1081%£100 to £20003, 6 or 12 months
Sunny1267%£100 to £2500 6, 7, 9 or 14 months


If you’ve been turned down by a bank, or haven’t borrowed money before, you will have lots of questions. Applying for a loan can seem overwhelming, especially if you have a financial emergency that you are trying to overcome. Here are some of the questions you might be asking yourself:

Am I eligible for a payday loan?

If you are over 18, a UK resident, employed, not currently involved in a bankruptcy, not currently in certain debt management agreements and have a UK bank account then your application will be considered.

Can I have a payday loan if I have bad credit?

We know that people don’t necessarily have ideal credit ratings and life sometimes doesn’t always go to plan. We are here to offer financial solutions and will help by matching you with a sympathetic lender who will look at your personal circumstances.

What questions will I be asked?

We will want to verify your identity and your address. We will ask questions about your bank account and your employment. We might want to know about your outgoings too, to make sure that the loan is going to be affordable for you.

How much can I borrow from a payday loan?

Payday loans are for smaller amounts for money, from a few hundred up to a possible £5000 in some cases. The amount you will be offered depends on the affordability – it is irresponsible for a company to lend more than you can afford to pay back.

How much should I borrow?

You should only borrow what you really need. Take a close look at what you want the money for and try to make the loan amount as small as possible. You will be charged interest on every penny you borrow, so a smaller loan will reduce the fees you have to pay.

Can I withdraw my application?

If you decide that the loan is not for you after all, then you can withdraw the application before you sign the agreement and your credit score will not be affected.

Are payday loans expensive?

Payday loans are very short-term financial agreements. The annual interest rate is higher than a conventional loan, but as it is repaid quickly, the amount of money paid is proportional. If you cannot repay the money quickly, then you will be paying larger fees and an instant loan might not be the best option for your circumstances.

Can I apply for a payday loan straight away?

If you have all the information you need close to hand, then you can begin your application. If you are approved, you will have time to look at the terms of the loan. Take time to read the conditions before you agree to them to make sure this is the best option for you. Applying with us may not guarantee the approval, but we have access to companies who lend to bad credit and first-time borrowers who will be open to your application.