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?

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

Why Should You Look for Payday Loans With Bad Credit Privileges?

Credit history is one of the most important factors in personal finance. If your credit history is not that good, you won’t be able to get large loans. Even some credit card applications on your behalf may be denied. It seems like a big problem, right? Well, instead of big, secured loans, you can settle for payday loans with bad credit privilege. These are unsecured loans that are meant for people with low or no credit. The amounts issued will vary, depend on the lender’s decision.

Nowadays, you should seek out bad credit payday loans to deal with cash shortages. Here are also some reasons why you should rely on bad credit loans:

Bad Credit Loans Are Ultra-Fast

Bad credit loans are known for their ultra-fast transactions because there’s no heavy credit check involved. Typically, bad credit lenders will just assess your application based on employment or other means of income. As long as you can repay the loan, there’s always a big chance that you’ll be approved. Due to the speed alone, many borrowers preferred bad credit payday loans over bank-issued loans. Most bad credit lenders can accomplish transactions in just a few minutes, unlike secured loans which can probably take more than a day or two.

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
Apply Now

Show More ▼

Loan amount
£100 - £2,000
Loan term
3 Months Only
Apply Now

Show More ▼

Your Low Credit Rating Won’t Matter

People who are borrowing unsecured loans are often nervous about their credit rating. For bad credit loans, this won’t be an issue. Even though your credit rating is low, you can apply for the payday loan as often as you want. The approval rate is high enough, so you don’t have to worry at all.

Amounts are Flexible

Bad credit loans have flexible amounts that can be issued anytime. In lender websites, you can actually input the amount that you’re planning to borrow. After that, the system will compute everything so you’ll know how much you need to pay. Bad credit lenders can also adjust their loan amounts accordingly to deal with higher borrower demand.

There’s Always Room for Negotiation

Even though not all lenders are open for negotiation, some will still listen to your requests. If you need a higher loan ceiling, the lender will pull all strings to give what you need. Before you negotiate, make sure that your loan requests are not too far-fetched. Once you found a bad credit lender who’s totally into negotiations, keep its contact number in your playbook. For better guidance, you can seek out online lender reviews. Since borrowers tend to leave unbiased reviews across different platforms, you’ll know which bad credit lenders should be avoided.

Bad Credit Lenders are Numerous

With the rise of payday loan demand, many bad credit lenders have entered the business. A huge percentage of them are conducting their businesses online, while others are operating in offices. Since bad credit lenders are numerous, you won’t have a difficult time coming up with a top five or top ten list. Just make sure that your chosen lenders are also recommended by financial experts or reviewed by many borrowers. Another way to find bad credit lenders is through Facebook. Simply put several keywords or phrases and wait for the system to fetch standard results. Facebook search is also viable because bad credit lenders usually have pages and groups to deal with their clients.

The Hunt for Payday Advance Loans

UK’s payday lending scene is accelerating towards a better position. Many lenders from the country are offering various loan agreements on a monthly basis. Most of these agreements are successful – a clear indicator of UK’s level of financial stability. With the popularity of UK payday loans on the rise, you can expect for competitive rates. Many lenders will try to even out the competition by offering more high-amount loans with low interest. This year is actually a good time to maximize the potential of payday loans. While modern payday lending rates are acceptable, you have to remember that they’re far from stable. Lenders can change their rates in a snap based on different factors like operations, economic adjustment, market difficulty, and personal reasons. By keeping this in mind, you can hunt for bad credit payday loans without too many expectations. Rather, you can be objective in juggling the loan factors and attributes that you truly want.

Even though bad credit loans are your quick cash solutions, they are not meant for constant usage. Rather, you should think of them as aces that you can play whenever you’re cornered. Seek out online payday lenders today and send your application.

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.