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About Us

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Representative example: Borrow £700 for 5 months. 4 monthly repayments of £235.82, last monthly repayment of £235.92. Total repayment of £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 821.04%. Daily interest is capped at 0.798%. Representative APR includes all applicable fees.

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

We provide good loans to people with bad credit.

Sometimes life throws a curveball, and for a brief period you can’t keep up with your bills and then WHAM. You are blacklisted. Suddenly no banks will not lend to you. They throw out words to you like ‘bad credit score’ ‘poor credit history’ ‘no credit history’. No more! With the new PaydayBadCredit, people with poor credit get the opportunity to get loans on their own terms.

PaydayBadCredit was founded in 2018 to provide good loans for people with bad credit, and is currently the leading loans market place in the UK for people with bad credit. If we can’t fund you a loan ourselves, with your consent, we search the entire market to find you a suitable lender – specifically designed for people with a poor credit score.

PaydayBadCredit does not classify the loans by names like personal loans, short term loans or even payday loans. Our job is only to get you an affordable loan right now! We will always fund you the loan within 1 hour of approval, because we understand that you need money now!

You can now borrow between £300 and £1,500 and have up to 9 months to pay back.

Always putting our customers first.

At our core, we are dedicated to supporting our customers by offering personalised loan solutions while ensuring their well-being is always prioritized. We understand that financial challenges can be stressful, and we’re committed to providing not only financial guidance but also access to vital resources and support for mental and emotional health.

  • Samaritans – Provides emotional support to anyone in emotional distress, available 24 hours a day, 365 days a year – 116 123 – samaritans.org
  • Campaign Against Living Miserably (CALM) Provides advice & information to anyone who is struggling or in a crisis – Everyday – 5pm to midnight – 0800 585858 – thecalmzone.net   
  • Anxiety UK – Supports those affected by anxiety and anxiety disorders – Monday to Friday 9am – 5.30pm – 0344 477 5774 – anxietyuk.org.uk 
  • Mind – Provides information and support affected by mental health conditions – Monday to Friday 9am to 6pm – 0300 123 3393 – mind.org.uk
  • Cruse Bereavement Care – Support, information and advice to bereaved people – Monday to Friday 9.30am to 5pm, Tuesday, Wednesday & Thursday 9.30am to 8pm. – 0808 8081677 – cruse.org.uk
  • Carers  – Provides advice, information and support to carers – Monday to Friday 9am to 6pm – 0808 8087777 – carersuk.org 
  • Relate – Provides relationship support – Monday to Thursday 9am to 7pm, Friday to Sunday 9am to 5pm – 0300  003 2972 - relate.org.uk 
  • FRANK – Provides information about drugs – 24 hours, 7 days a week – 0300 123 6600 – Text 82111 -  talktofrank.com
  • Drinkaware – Provides information to help those who have a problem with alcohol – Monday to Friday 9am to 8pm, Weekends 11am to 4pm -  0300 123110 – drinkaware.co.uk

Questions? We Are Happy To Help

Take a look at our FAQ page for answers to our most common questions

Representative example: Borrow £700 for 5 months. 4 monthly repayments of £235.82, last monthly repayment of £235.92. Total repayment of £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 821.04%. Daily interest is capped at 0.798%. Representative APR includes all applicable fees.

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