Welcome To Payday Bad Credit

Welcome to Payday Bad Credit - providing loans for applicants with bad credit throughout the UK.

Why Choose Pay Day Bad Credit?

Pay Day Bad Credit is an FCA authorised direct lender which provides loans for UK applicants with bad credit. In addition to being FCA authorised we are also a member of the BCCA, the CCTA and our systems are protected by top-grade McAfee security.

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. Pay Day 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 Pay Day 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.

Apply Today For An Instant Decision!

Our dedicated team is ready to assist you with your bad credit loan

I had lots of questions about my application and the professional adviser at Pay Day Bad Credit was outstanding. I received my bad credit loan the same day. Excellent service overall.

Andrea M - Birmingham

I allowed a bad credit rating to hold me back for many years until I dealt with the friendly people at Pay Day Bad Credit. A fast, efficient and honest service with staff who are eager to help. Five stars all round!

Questions? We Are Happy To Help

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


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.

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%

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Privacy Notice : Responsible Lending Policy : Terms & Conditions
Copyright Payday Bad Credit 2018 E&OE


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