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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.

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! Using technology which is new to the UK, we take your application and it gets reviewed by 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 £1,000.

To apply for a bad credit loan today, simply click on ‘check now’ or ‘get rates’ 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.

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


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.

Bad credit accepted by Payday bad credit

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.

Can I apply for payday loans for bad credit?

In keeping with our mission of providing good loans to people with bad credit, we no longer offer payday loans online. This type of loan is very expensive and can cause financial damage when misused. Frequently, 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 loan is needed to repay the first.

We are more interested in offering a financial solution – and this could be offering large amounts for longer terms, giving you extra flexibility to spread repayment and also repay early if you need to.

“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:

How it works icon 1 - Payday Bad Credit

Apply for the amount of money you need on our website

You can apply for £500 – £1,000. Remember, lower amounts will not increase your acceptance rate.

How it works icon 2 - Payday Bad Credit

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!

How it works icon 2 - Payday Bad Credit

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.

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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 £500 and £1,000 and have 3 - 6 months to pay back.

How come you have access to the whole market?

PaydayBadCredit has partnered with T Dot Uk to bring you the best borrowing experience available in the UK. T Dot Uk 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 £650 for 6 Months, 5 monthly Repayments of £190.25 and one last repayment of £190.10. Total repayment £1141.35. Interest Rate PA (fixed) 226.70%, Representative APR 697.94%.
All our loans are available for a duration of 3 to 6 month.

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 £1,000.

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.