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  • All credit scores considered
  • Complete your application within 3 minutes
  • Money in your bank within 1 hour
Compare our loans at choosewisely.co.uk

Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45 , 4 monthly repayments of £224.60 , last monthly repayment of £112.20. Total repayment of £1,179.05. Interest Rate p.a. (fixed) 185.39%. Representative APR 611.74%.

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

Looking for bad credit loans? You have come to the right place!

Millions of people in the UK have poor credit scores – and they can often feel that there are no options when they need to borrow money.

However, we are here to help! We specialise in providing loans to people with all types of credit scores. Once you submit your application we will run a creditworthiness check to see if we can fund you a loan. If we can’t fund you the loan ourselves, with your permission only, we will pass your application to a full range of lenders who are looking to fund loans for bad credit – including private lenders, high street banks, guarantor and secured lenders too.

We are able to maximise your chances of being approved for a loan, without charging upfront fees and keeping your data safe. Instead of the traditional payday loans for bad credit, we can offer your short term loans up to £1,500.

To apply for a bad credit loan today, simply click on ‘apply now’ and you will be able to complete our online application in less than 5 minutes and get an instant decision on the screen. If successful, we can often transfer funds within 1 hour or the same day of applying.

Find out if we can fund your loan today! It’s free and the initial application stage won’t affect your credit score.


Complete your application 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.

Bad credit accepted by Payday bad credit

Fair rates for bad credit

We provide fair rates and free early repayment no matter your credit score.

1 application to compare bad credit loans

One application, many options

We are a premium direct lender that also offers a free brokerage service, with one application (and your consent) you can access our panel of over 40 UK lenders at once.

Loans for bad credit

Making loans for bad credit affordable and accessible for many people in the UK is an art not too many companies master. Most of the bad credit loan applications are owned by brokers. We are a direct lender. And together with our thousands of clients in the UK, we have designed a particular credit product for people with bad credit scores. Our bad credit loans are unsecured, no guarantor is needed, and the application process is fast, easy and 100% online.

The main features of our specialised bad credit loans:

The basic principle our underwriters ensure is that our loans are helpful and can help you get across the short term gap conveniently, regardless of your credit score. When you get approved for a bad credit loan with us, you get all the features below directly from us:

  • Quick Access to Funds: The ability to receive funds within an hour of approval is a significant factor, and our technology can get people with bad credit approved instantly.
  • Loan Amounts: Our bad credit loans offer up to £1,500 for 3-9 months. 
  • Bad Credit Options: Even with bad credit, several options exist. Check repayment options and early repayment conditions and ensure you understand the loan terms and conditions. 
  • Interest Rates and Fees: Loans for people with bad credit might be a tad more expensive. Always compare the APR for your specific loan and if there are any additional fees. Loan interest may be calculated in different ways.
  • Repayment Flexibility and Duration:  We offer bad credit loans from 3 to 9 months and options for early repayment without penalties. Check other alternatives to see if they can provide you with the same.
  • Credit Impact: We use soft-credit checks to minimize the impact on your credit score. 
  • Convenience and Ease of Application: We built a straightforward process to make it easy for our customers to apply. Our application for bad-credit payday loans is 100% online.
  • Safety and Security: As a reliable direct lender, we invest a lot to keep your information safe and away from irregulated companies that may swamp you with calls and messages. 
  • Affordability and Financial Assessment: Borrowers are always advised to consider their ability to repay the loan comfortably. Our loans for bad credit are a credit option for short-term only.
  • Last but not least: Exploring Alternatives Before applying for our direct bad credit loans, we encourage everybody to compare our terms with competitors. We always strive to provide the best deal.

Can I apply for payday loans for bad credit?

Yes, our mission is to provide good loans to people with bad credit. We offer affordable rates for all types of credit scores. We have made the repayment terms easy and flexible to give you the time you need to get back on your feet without having to take another loan to repay the first.

As a regulated lender, we will always perform a creditworthiness check before offering you a loan to ensure that funding you a loan won’t cause you serious money problems. If we see that you afford the repayments, we will happily consider your application no matter your credit score.

“Absolutely fantastic! The process was quick and easy, I would recommend PayDayBadCredit to anyone struggling to get quick finance. I am a very happy customer.” – Alna

Does applying for a loan impact my credit score?

If you have bad credit, you definitely want to be careful with which lenders you apply with, as some applications you make goes on your credit record. If we can’t fund you the loan ourselves, with your permission only, we evaluate offers from over 40 UK lenders and high street banks to make sure you get the highest chance of approval possible! Find out how our loans work below!

How it works icon 1 - Payday Bad Credit

Apply for the amount of money you need on our website

You can apply for £300 – £1,500. Remember, lower amounts will not increase your acceptance rate.

How it works icon 2 - Payday Bad Credit

Get an instant loan decision

We will always give you an instant pre-approved lending decision no matter your credit score

How it works icon 2 - Payday Bad Credit

Once approved, we will fund your loan within a few hours

Once approved, you will receive the money in your bank within a few hours.

Compare us

We’ve already helped over 100,000 people in the UK to get the money they need fast.


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


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 £300 and £1,500 and have 3 - 9 months to pay back.

How come you have access to the whole market?

As a premium lender, we aim to provide more credit options to people with bad credit. If we can't fund a loan ourselves, we offer a free brokerage service to bring you the best borrowing experience available in the UK. We have partnered with T Dot Uk to give you access to the best bad credit options from across the market of lenders 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?

Yes, you can repay your loan early at any time and save money on interest, free of charge. You can do this simply by logging into your account and paying your loan balance.

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 with fair rates. As a direct lender, we will always try our best to fund you a loan that suits your need, regardless of how good or bad your credit is.

If we can’t fund you a loan ourselves, you can activate our free brokerage service, where we work with a full range of lenders who are looking to fund loans for bad credit. We are a direct lender specialising in providing loans for people with bad credit. If your TransUnion credit rating exceeds 604, you may get better payday loan direct lender terms.

We want to make credit accessible to everyone, no matter their credit score!

Representative example:

Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment of £1,179.05. Interest Rate p.a. (fixed) 185.39%, RAPR 611.74%. Our APR includes all applicable fees. Daily interest is capped at 0.798%.

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 18 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 £1,500.

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 moneyhelper.org.uk