About Payday Bad Credit

FCA License Number: 714479 - Direct Lender - ICO Registration Number: Z3305234

Why Choose Pay Day Bad Credit?

Payday Bad Credit is an FCA authorised direct lender which provides loans for UK applicants with bad credit.

Responsible Lending

Set up in 2017, we started the company as a way to assist those with bad credit histories. We understand that personal circumstances can arise that can make it heard to keep up with payments and it is not always our fault. At some point, we will want to get our finances back on track and prove our creditworthiness, and that is what we are here to help with.

We fundamentally act as a direct lender, however, in the event that we cannot facilitate your loan, we may recommend you to another similar product that is better suited for your requirements.

What Are Bad Credit Loans?

Bad credit loans are specially approved loans for individuals with a bad credit rating. As many people know, once your credit rating is affected in an adverse manner it can become incredibly difficult to obtain a loan. Payday Bad Credit provide a secure and safe facility for applicants with bad credit to apply for a loan.

Can I still apply even with bad credit?

Here at Payday Bad Credit we welcome applications from individuals with a bad credit score. Aside from your current credit rating we take other factors into account such as your history, current circumstances and your ability to repay any money your borrow. Our highly trained staff are there to assist you and most lending decisions are given within one or two minutes of your application being received.

Bad Credit Loans From A Trusted UK Direct Lender

We are proud to provide our customers with the highest standard of service possible

Same Day Funding

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

Direct Lender

fundsWe are a direct lender and if successful, will transfer funds directly to your bank account.

Bad Credit Welcome

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

No Guarantor Required

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

FCA Authorised

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

Five Star Service

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

Questions? We Are Happy To Help

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

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 moneyadviceservice.org.uk