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  • Get the best rates available for bad credit
  • We're up to 10x cheaper than payday loans
  • Zero impact on your credit score

For the first time in the UK, people with bad credit can access the best UK lenders and banks with one application form. Don't waste your time applying anywhere else.

Get your pre-approved rates in the next 3 minutes.

If you have bad credit, you can still get a loan with us!

Millions of people in the UK have a poor credit score. When they need to borrow money, most come to us. Using technology that is new to the UK, we’ve managed to combine all the personal loan direct lenders, private lender partnerships and high street banks that specialise in bad credit loans into one network. For the first time in the UK, you can access this network through just one application form, which we’ve made available on our website!

Check your personalised rates now! It’s free and won’t affect your credit score.

bad credit 100% online

100% online

Fill out an application in under 3 minutes, get an instant decision. You’ll be funded within just a few short hours of being approved.

Fair rates for bad credit

We work with the most prominent panel of lenders available in the UK, so you can be confident that you have the highest chance of getting accepted.

1 application to compare bad credit loans

One application, many options

Instead of applying on many different websites, we’ve made one application that will help you access all UK lenders at once.

“Couldn’t believe a quick it was. I thought it was just going to be another one of those broker scams.” – Mr William R

ZERO impact on your credit score

Applying on our website has ZERO impact on your credit score! If you have bad credit, you definitely want to be careful where you apply, as every application you make goes on your credit record. We evaluate offers from over 40 UK lenders and high street banks to make sure you get the highest chance of approval possible – but without making any marks on your credit file!

So how do we search for a loan for you without affecting your credit? Here’s how it works:

Apply for the amount of money you need on our website

You can apply for £1,000 – £10,000. Remember, lower amounts will not increase your acceptance rate.

Get a list of personalized loan offers that you’ve already been pre-approved for

We use soft search technology to help you see ALL offers available to you without any mark on your credit report!

Choose the lender you want to work with based on the list of offers

Once you accept a loan offer from a lender, a full credit check will be carried out as per regulation. You’ll be funded within just hours of approval.

We’ve helped thousands of people with bad credit get loans online already, so we know it’s possible!


Does PaydayBadcredit provide payday loans?

In keeping with our mission of providing good loans to people with bad credit, we no longer offer payday loans. Payday loans are expensive and can cause financial damage when misused. Many times, payday loan repayments are due before the borrower has time to get back on their feet, causing the loan to be rolled over or for another payday loan to be taken to repay the first.

If you are looking for smaller payday loans that are safe and affordable, you can check our our trusted payday loan direct lender's website.

Why do you provide only longer-term loans?

Our new and improved longer-term loans are more affordable and are much safer than payday loans for people with bad credit. You will be able to get back on your feet and even improve your credit score by making loan repayments over a longer-term, without falling into expensive borrowing loops. Now you can borrow between £1,000 and £10.000 and have 6, 9,12, 18 or even 24 months to pay back.

How come you have access to the whole market?

PaydayBadCredit has partnered with Monevo to bring you the best borrowing experience available in the UK. Monevo's cutting-edge tech solution gives you access to a comparison of pre-approved lending options from across the whole market with just one application. We work with banks, direct lenders, guarantor lenders and more - so you can be sure you have the highest chance of approval when applying through us.

Can I repay my loan early?

Most of the lenders on our panel allow you to repay your loan early with no penalty. However, at the moment that you submit your application, we won't know the exact terms of the offers available for you. We, therefore, remind you to check over the terms and conditions of any loan agreement before you sign it.

How can I improve my acceptance rate with bad credit?

If you have bad credit and keep getting declined for online loans, there are a few things you can do to immediately raise your chance of approval.

  • First of all, check to make sure that all the accounts on your credit report are being paid, even in part.
  • Second of all, see if you can raise your affordability by including other sources of income or reducing non-priority spending.
  • Lastly, make sure not to apply with mainstream lenders who are likely to decline you because of your bad credit. This is because every time you're declined, it will be marked on your credit file. Instead, apply only with lenders who specialise in bad credit, like PaydayBadCredit.


We built this website to give people with inadequate credit access to more credit options. We will always try and find you a loan that suits your need, regardless of how good or bad your credit is.

As a direct lender, we also assess your application to see if you are eligible for one of our loans, but we promise always to show you offers that are better than ours – even if that means losing you to a competitor.

Representative example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority.
FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply.

Applicants must be 23 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Payday Bad Credit responsible lending policy. Loan limit maximum of £10,000.

In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.