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

Which payday loan is best for
people with bad credit?

Which payday loan is best for people with bad credit?

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)

High Approval

High levels of successful applications

Fast Payouts

we can payout your funds fast

Follow Repayments

Statements clearly show repayments

Online Completion

Everything can be completed online

Get the Unsecured Loan You Need

Unsecured loans require no collateral of any kind. You can simply present your financial information and we’ll plug it into our lending algorithm at lentra.co.uk to find you a loan that works with your particular situation. You can find out instantly if you qualify, and once you do, you can have your money in as little as a day.

It’s So Easy to Apply

We have made it super simple to apply for whatever kind of loan you are looking for. Just tell us how much you want the loan to be for and how long you would like to have to pay it back, and we will try to find you the appropriate loan. We’ll also need a few personal details, and the lender will ask you for some financial information, but the initial application only takes about a minute.
You can have your answer moments after you submit it, and we’ll show you what loan you qualify for. Most people do qualify for a few loans when they use our service.

Get a Line of Credit Today

Qualify for a loan of up to ‎£20,000 in minutes

Fast Turnaround

Loans are paid out as fast as possible with a decision made in mer hours


The rates and the loan arrangement is clearing shown for transparency

Clear Form

Our application forms are Quick and Simple to complete entirely Online

Securely Paid

The loan is paid out into your selected bank account securely and quickly

See How Others on the Market Compare

Loan amount
£100 - £750
Loan term
1 - 35 Days
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Loan amount
£100 - £2,000
Loan term
3 Months Only
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What if I Have Credit Problems?

Credit problems are no problem for us. We work with a wide panel of lenders, many of whom disregard credit history entirely. They will instead use your current financial situation to determine your eligibility. Please keep in mind that some of our lenders will consider your credit history, and that can keep you from getting the loan you really want. Thankfully, because we draw from a wide range of lenders, there should always be someone willing to loan you money on our network, no matter what your credit is like. Don’t let your credit problems keep you from getting the money you need.

Do I Need to Have a Guarantor?

A guarantor is only required if your credit is very low and you want a loan that is outside the normal range of loans that you would be approved for. A guarantor can co-sign the loan with you and take responsibility for it if you fail to repay the loan on time. Most people do not require a guarantor, however.

What Do I Pay Lentra?

We take no fee from you for this service, nor do your lenders charge you extra because we are bringing you to them. Our service as far as you are concerned is free to you. We make it quick and convenient to connect to the lenders who have just what you are looking for.

How Long Do I Have to Wait for My Funds?

Most loans take between one and three days before payout occurs. This money will be deposited directly into your bank account. How long it takes to receive your funds will depend on the lender you are dealing with and the kind of loan you have been approved for.

5 most recent personal loan reviews

Review of H&T Finance

So friendly and so easy to be accepted. I needed a loan to help out a family member and I've been able to do so, so quickly. Daniel at H&T was so polite and helped me understand everything thoroughly.

Review posted by Aimee Walls, Carlisle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Post Office Money

Post Office, thank you so much! I will definitely be recommending you for your helpful and professional support, from receiving my completed application you were very quick in processing my application. I applied in one day and by the second had my loan. You gave clarity when needed and made me feel that I was not just a number. Thanks again.

Review posted by Lisa Davies, Sunderland

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Street UK

My experience with this great team has been superb, I've had five star quality service since day one and my application processed rapidly, there is no messing about and they provide real fast and strong customer service which I am happy about, I know where to come next time, thanks for all your help.

Review posted by Joe Irving, Leeds

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
We source all of our reviews from Trust Pilot to ensure that all accounts are authentic.