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Which payday loan is best for
people with bad credit?

Which payday loan is best for people with bad credit?

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

Top 5 Dynamic Qualities of Well-Trusted Payday loans Direct Lenders Only

Trust – this is one of the main ingredients of life. We give trust to people we know and people who are capable of giving the best services. At times, we also trust companies and organizations regarding any purchases made. When it comes to payday lending, trust is a serious issue. For the past years, the traditional payday loan got boiled in hot water. Many people avoided payday loans due to high interest rates and transparency issues. Now, times have changed. Payday loans are getting back in the financial food chain.

Sometimes, the payday loan is not the problem – it’s the lender. You can’t just trust any payday lender in the corner. You need proof of the lender’s integrity and honesty. This can be difficult because there are thousands of active lenders in the market.

For a good start, you can read on below to discover new dynamic payday lender qualities to keep in mind when borrowing:

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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Lending Transparency

Transparency is a required quality in payday lending. A transparent lender will tell you everything about the loan agreement. Every detail will be explored and all your questions must be answered truthfully. While there’s no accurate test that will determine if a lender is transparent or full of bollocks, you can rely on your intuition. Visiting a payday loan office is effective because you’ll see the lending representative up front. You can make initial observations right away. During your application, ask as many questions as possible. By doing so, you can pinpoint inconsistencies that can give away a non-transparent lender.

Five-Star Service Quality

Payday lending is business – lenders tend to make profits from every loan issued. Just like any other business, all payday lenders must be capable enough to bring the best service to all clients. As much as possible, you should only settle for five-star service quality. But how can you determine if a lender can offer this level of service? If you’re applying online, the first sign is the responsiveness of the lender’s website. The website should let you send your loan application without any hassle. This means that the lender actually invested in the virtual representation of his business. The next sign is the initiative of the lender to answer all of your questions. Keep asking about the rates so you can get clear answers. You can also check several borrower reviews so you’ll know which lenders offered astounding service to their clients.


Most modern payday lenders are now running their businesses automatically. They have numerous systems in place to handle loan applications, assessment, and releasing of funds. Since everything is automated in payday lending, there’s hardly enough room for empathy. If you can find an empathetic lender, you’re to a good start. That lender will give you a considerable leeway, especially if you missed out on your loan. There’s also a big chance that the lender will give you high amount loans. Remember that encountering this type of lender is rare nowadays so you need to be patient in your search.

Objective Foresight

Objective foresight is another rare quality that a dynamic lender must possess. In its basic sense, objective foresight is the process of seeing ahead and determining the financial challenges that you may encounter. The lender will share the process with you, working out elaborate strategies to help you repay your loan within the specified terms. It’s difficult to find a lender with objective foresight from the get-go. If you have prospects, you can simply observe if they’re more than willing to share their strategies with you.


Just like empathy, lenders should have a fair degree of consideration for all borrowers. Without consideration, borrowers can be discouraged and they may even report lenders negatively. If you encounter an inconsiderate lender, simply look for a new one. You don’t deserve the stress that inconsiderate lenders can give you.

Cash Advance Loans for Everybody

Cash advance loans are the same with payday loans, so don’t be confused if you encounter them. Finding the best payday loan within your area can be tricky because of APR and other variable rates. Aside from taking lender qualities into the equation, you should also consider your financial situation. Determine if your income can be adjusted to pay off the monthly interest. With the usefulness of advance payday loans, direct lenders only need to share small bits of information to interested borrowers. At this scale, we can say that cash advance loans are truly meant for everybody.

Don’t settle for low-value lenders; if the lender doesn’t meet the aforementioned qualities, look for another one. With hundreds of online lenders operating nowadays, you’ll have many choices to shoot for. By focusing on the top dynamic lender qualities, you can avoid unwanted financial situations.

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.