Bad Credit Loans : How Does It Work?

Our application process is fast, easy and straightforward


UK Bad Credit Loans

Apply for your bad credit loan in less than 90 seconds. Instant decision with same day funding.

Applying for a bad credit loan from Pay Day Bad Credit couldn’t be easier. It takes less than 90 seconds and we aim to give you an answer immediately.

  • Fill out the simple application form
  • Your application will be processed immediately
  • If approved, your funds will be available the same day

How Your Application Works In 3 Easy Steps

Super Fast Application + Instant Decision + Same Day Funding

1 application to compare bad credit loans
Guarantor loans from PaydayBadCredit
No guarantor loans from PaydayBadCredit

Ready to apply for your bad credit loan?


Loans For Bad Credit

Do you need a fast loan decision with no guarantor from an FCA approved direct lender? Then look no further.

Our quick and easy application process takes about 90 seconds to complete. You will be informed of our lending decision within minutes of your application. If you have bad credit and wish to take out a payday loan with us, the money can be in your bank account the same day your application is approved.

When considering loans for people with bad credit, it isn’t just their credit score we take into account. Aside from a credit check we take a close look at their current circumstances. If you need money quickly but are getting declined by other lenders, then we may be the right lender for you. Simply apply now to be informed of our decision within minutes.

Loans For Bad Credit – We Can Help

Applying for your bad credit loan takes less than 90 seconds

Further Information

Find out about our company, how our loan process works or look at our FAQ’s.

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 0.798%.

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