Home Will I be approved? Apply Guides Contact us Bad Credit Loans. £50 to £5,000 paid out by 1:53pm* How much do you need? GET YOUR QUOTE No obligation, 100% secure. Will I be approved? Our loans make sense Instant quote with no credit check† and no fees. Small loans can be sent by 1:56pm today.* Over 4500 no obligation quotes processed every single day!^ Representative APR 91%. Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and maximum 1294% APR - your no-obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. We offer loans between £50 and £5000 over a 3-month to 36-month term. Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Home » Bad Credit Loans Loans for Bad Credit At Payday UK, we dedicate our efforts to providing a transparent and user-friendly service. Bad credit loans can be the best solution to a sudden unexpected expense or emergency. They provide a way to access additional funds quickly. The application process is designed to be as straightforward as possible and get the money into your account in the shortest time possible. Whether you’re faced with a garage bill for a car breakdown, a heating engineer because your boiler packed up, or need access to some extra cash to help tide you over, Payday UK will provide you with access to the best bad credit loan available to you. Payday UK do everything we can to assist everyone that needs access to credit. We try to do this in a user-friendly way that is easy to access and completely transparent. If you’re looking for loans with bad credit, then you may have some questions about the process. Below we’ve tried to answer the most common questions asked by customers that successfully get bad credit loans using our service. The whole process is designed with the probable circumstances in mind. You’ll need access to the extra funds quickly. We've helped out thousands of people... £300 for Hanif in Birmingham £200 for Jane in Culross £400 for Louis in Folkestone Apply Now GET YOUR QUOTE No obligation, 100% secure. Will I be Approved? Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint. CHECK ELIGIBILITY Loans for Customers with Bad Credit Our large panel of lenders specialise in helping customers who may have been declined elsewhere. People that have bad credit and are looking for loans will understandably have some questions. We try to make our whole process as easy, quick, and transparent as possible. We believe this helps us to provide credit to the maximum number of applicants in an efficient and ethical way. Over time we come across the same questions from customers looking for bad credit loans, so have tried to answer the most common ones below. Most people applying for a bad credit payday loan are doing so because they have found themselves in an awkward situation where they need access to some extra cash to help tide them over. It can be because of many household, vehicle, or health-related costs that were impossible to foresee. We pride ourselves on providing access to credit for as many people as possible. How it Works We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple. APPLY ONLINE Fill out our short, secure form and search our industry-leading panel of lenders to find your loan. CHECK YOUR OFFER Once you have your offer from the lender, you can review the offer and get your cash. GET YOUR MONEY Your money can often be paid into your account within just 10 minutes.* More questions? We've got you covered How do bad credit loans work? How do I find out if I have bad credit? How much worse will my score become if I apply for a loan? How can I find out if I'll be accepted? Can I borrow the same amount if I have bad credit? Will a low credit score make it more expensive to borrow? Can I get bad credit loans from any lender? Is there a lender that's best for bad credit? How quickly can I get a loan? Are you going to charge me a fee? Loan guides These guides will help you find out more about the different types of loan and lenders available. POOR CREDIT ADVERSE CREDIT NO CREDIT CHECK NO GUARANTOR LOANS SMALL LOANS SHORT TERM LOANS FOR BAD CREDIT ALL GUIDES Ready to Get Started? How much do you need? GET YOUR QUOTE No obligation, 100% secure. Instant quote with no credit check† and no fees. Small loans can be sent by 1:56pm today.* Over 4500 no obligation quotes processed every single day!^ Payday UK is a registered trading name of Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. Registered in England and Wales (Company number 12430457 / FRN 921539). Licenced by the Information Commissioners Office, (registration number ZA654345). Registered Office: Payday Loans Limited, The Charter Building, Charter Place, Uxbridge, UB8 1JG. Flux Funding is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 806333. †Payday UK will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search. *Subject to lenders requirements and approval. Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. **Based on the average number of applications in February 2020. ^The average number of daily loan quotes processed by Flux Funding Limited between 1st July and 30th September 2019. Payday UK does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement following an introduction through this website. Payday Loans Privacy Policy Terms Acceptable Use Cookie Policy Responsible Lending Complaints Loan Types Payday Loans Direct Lenders Bad Credit Loans Small Loans Loans Without Guarantor Instant Payday Loans Quick Loans Short Term Loans Bad Credit Short Term Loans paydayuk.co.uk We're Promoting Privacy Cookies are small files that are stored on your browser. We use cookies and similar technologies to ensure our website works properly. 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