About Us

Representative Example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.


Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

We provide good loans to people with bad credit.

Sometimes life happens, 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. We search the entire market to get you the best rates – 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 find you the best rates available for right now! We don’t give general quotes or assumed rates. We get you only the credit offers you can use instantly.

You can now borrow between £1000 and £10,000 and have up to 2 years to pay back.

Why we don’t do payday loans anymore

Do you know how bad payday loans are for people with bad credit?

In keeping with our mission of providing good loans to people with bad credit, we no longer offer payday loans. Instead, we offer a better alternative. Our new and improved PaydayBadCredit website allows you to apply for credit that will get you back on your feet for the long run, and even improve your credit score as long as repayments are made consistently on time.

Questions? We Are Happy To Help

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

Representative example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.

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 £10,000.

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.