• Two minute application – high acceptance

Representative APR 997%

Borrow £500 for 4 months, 4 monthly repayments of £215.81. Total repayment £863.24, interest rate p.a. (fixed) 270.10%. Warning: Late repayments can cause you serious money problems. For help, go to

How much do you need?

Funding within 1 hour

Once approved you will normally receive your funds in your bank the same day you apply for you loan!


We are a direct lender, we will not share your information with any middlemen or third parties without your full consent.

Poor credit
Poor credit considered

We welcome loan applications from UK individuals with a bad credit rating or a poor credit score.

No guarantor required

Each application is considered on its own merits and no guarantor is required for your loan.

FCA authorised

We are an FCA authorised direct lender, an absolute must for any loan company you consider.

Five star service

Our mission is to provide a 5-star service to our clients, from initial application to final payment.

Compare Payday Bad Credit on a loan comparison website


Payday Bad Credit offers a simple way to access affordable finance, even if you have been turned down by mainstream lenders. We understand that keeping a good credit score is not easy and various circumstances can arise and cause a less than perfect credit history. But, that does not mean that you should be denied the finance you need to for future emergencies or other urgent expenses – whether it is car repairs, an expensive medical visit or a broken boiler that requires some money to be fixed.

At Payday Bad Credit, we specialise in payday loans for bad credit, allowing you to borrow £200 to £1,100 and repay over several weeks or months, giving you the flexibility and breathing space to get back on your feet. Our form allows you to choose how much you wish to borrow and how long for, putting you in control of your finances.

We are able to offer bad credit payday loans by taking a view on different credit histories and circumstances. In some cases, we may recommend lenders that offer payday loan alternatives or those that require you have a guarantor, to add more security to your application.

Our online application only takes two minutes to complete, and you will be put in touch with one of our loan partners who will be able to assist you every step of the way. Provided that you meet their criteria, funds can be successfully transferred to your account on the same day of applying and sometimes within one hour.


Borrow £200 to £1,100 repaid over weekly or monthly instalments. The entire application is online and there are no upfront fees for applying.


As a company that is regulated by the Financial Conduct Authority, we are passionate about treating customers fairly and the practices of responsible lending. We are fully FCA authorised, responsible and able to successfully fund your loan if you meet the criteria and approval. We will not share your details with third party companies and you will not receive any unsolicited calls, messages or emails without permission. We are proudly members of the trade bodies including the CCTA so that we are always up-to-date with the payday loan industry and will always have you best interests at heart. There are no fees for applying and your details are kept safely and confidentially on our secure server.


How do repayments work for bad credit payday loans?

Our payday loans bad credit are repaid in equal monthly instalments which will come out automatically from your debit account on a date that you have selected. Most customers choose the last working day of the month because this is typically when they receive your salary from work and are likely to have a healthy sum of money in your account. Payments are taken automatically through a method known as continuous payment authority – meaning that your debit card is tokenised during the application process so the amount owed can directly collected by the lender each month, saving you the hassle of making a manual repayment or calling up to pay every month. If you find that you are in a financial position to do so, you may pay your loan off early and you will save money on the interest as a result and likely end up paying less.

How much I can I borrow from payday loans for bad credit?

Customers can apply to borrow £200 to £1,100 over 2,3 or 4 months. The amount you will be able to borrow will depend on a number of factors including monthly income, affordability and current credit rating to ensure that you can afford their monthly repayments without falling into financial difficulty.

When will my loan be funded?

Payday Bad Credit are determined to process your loan as soon as possible and aim to fund loans within 1-2 hours, or on the same day for the very least. You may be required to provide additional information to the lender such as a pay-slip, bank statement or utility bill and also have a quick phone call to confirm details. We cannot guarantee the speed of the loan payment but our partners are committed to helping you receive your funds as quickly as they can.

Representative example:

Borrow £500 for 4 Months,
4 Monthly Repayments of £215.81.
Total repayment £863.24.
Interest Rate PA (fixed) 270.10%,
Representative APR 997%.

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 £500 for first-time customers (£1,100 for existing).
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.
Warning: Late repayment can cause you serious money problems. For help, go to