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About Us

CHECK RATES

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

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 2017 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 £1,000 and have up to 6 months to pay back.

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 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 0.793%.

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.

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