Payday Loans - Get A Payday Loan even if you Have Bad Credit

Welcome to Loans for People with Bad Credit

the site for people who need credit but find getting it difficult. Find information on a range
of bad credit loans types and lenders here!

Payday Loans - Click Here To Compare >>

Payday Loans provide one of the quickest ways to borrow money. Most payday lenders listed here operate an easy online application process for a fast decision. Payday loans are designed to tide you over until your next pay day and require no credit check. Therefore, the loan length is usually a maximum of around a month. In other words, you will need to pay back the loans within around 30 days.

So, what about the criteria - who can apply?

The majority of applicants do get accepted for a Payday loan but make sure you fit the bill before applying:

are you at least 18 years of age? (The loan age limit can be higher, up to 25 years of age)
are you a full UK resident?
are you in employment?

Once you have ticked off these basics, have a look at the options. Some Payday loans providers are direct lenders, others will be brokers who search the market on your behalf to find a suitable loan. In general, Pay day loans are in the region of between £80 and £500 but this can vary greatly.

As with any loan, there are a couple of things to watch out for - for instance, do have a look at the representative APR rate - this may be quite high compared to so-called 'regular' loans.

Why? Well, the rate will be higher because this is a loan offered to applicants without much needed in the way of excellent credit records. Applicants will be taken on even if they have been turned down elsewhere. Some payday loans lenders even lend to unemployed applicants. Essentially, the borrower is classed as being riskier.

COMPANY	TYPE	AMOUNT	REPAYABLE ON £100	TERMS & CONDITIONS	ID REQUIRED	REPRESENTATIVE APR	DEBIT CARD	BANK ACCOUNT	APPLY
My Payday Lender	Broker	£80- £1000	£125	You must be 18 or over, in full time employment and earning £750 per month or more.	Bank account details	1286%	No	Yes
My Payday Lender	My Payday Lender accept almost 100% of applicants for payday loans. Receive instant approval on your application and receive your fast cash salary advance in your bank account in as little as one hour. Representative Example: Total Amount of Credit: £160; Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185
Quick Quid	Lender	Up to £1000	120% - 129.5%	See Website for details. Note there are restrictions for new customers.	No	1734%	No	Yes
Quick Quid	Apply online in five minutes from the comfort and privacy of your own home. Quick Quid only charge interest for the length of time you borrow from them. They are completely upfront about the cost of our cash advances — there are no hidden fees. Representative Example: Total Amount of Credit: £50; Representative APR: 1734%; Duration of Agreement: 30 days; Total Charge of Credit: £14.75; Total Amount Payable: £64.75; Address:QuickQuid, 483 Green Lanes, London, N13 4BS.
Wonga	Lender	£1 - £400	105% - 129%	Applicants for loans will only be approved if they are UK residents and over 18 years of age. Credit score and credit history will be taken into account.	None - just bank account and debit card required.	4214%	Yes	Yes
Wonga	Wonga.com is the ‘same day cash' lender – you only pay the interest for the length of time you borrow from us. Traditional ‘PayDay lenders' charge interest for a full 30 days, no matter how long you actually need the money for. With Wonga.com, if you pay back early, YOU PAY BACK LESS. We are also the FASTEST lender; if accepted, you'll get the money in your bank account within 15 MINUTES, GUARANTEED. So if you want a loan to suit your needs, rather than the lenders', come to Wonga.com – little loans. lots of control. Representative Example: Amount of credit; £207 for 20 days; Total amount payable: £254.42; Interest: £41.92; Interest rate:360% pa (fixed); Representative APR: 4214%; Address: 88 Crawford Street, London, W1H 2EJ.
Payday UK	Lender	£80 - £800	125%	25% charge per hundred.	Not Required, just bank and debit card details.	1737%	Yes	Yes
Payday UK	Borrow from £80 - £750 with Now PayDay! It's all online, takes just minutes to apply and you could have the money in your account within an hour (if approved before 3pm on a weekday). Money transferred to your bank account at NO extra charge. Please note that the average first time amount varies between £185 to £200. Representative Example: Total Amount of Credit: £720; Representative APR: 1737%; Duration of Agreement: 28 days; Total Charge of Credit: £217.50; Total Amount Payable: £937.50 Address: Gloucester House, Church Walk, Burgess Hill, West Sussex RH15 9AS.
Paydayexpress	Lender	£80 - £800	125%	Applicants must be at least 18 years of age living and working in the UK. Wages must be paid directly into a UK bank account and applicants must have a debit card for this account.	Generally not required – Payday Express offer instant online approval.	1737%	Yes	Yes
Paydayexpress	Borrow £80-£800. Payday Express offer a quick and easy online payday loans application with instant approval decisions and same day cash transfers. Apply online in minutes and get cash in your bank today! They charge £20 for every £80 borrowed on the loans. Representative Example: Total Amount of Credit: £80; Representative APR: 1737.2%; Duration of Agreement: 28 days; Total Charge of Credit: £20; Total Amount Payable: £100 Address: Kent House, 41 East Street, Bromley, Kent, BR1 1QQ.
TXT Loan	Lender	£100	110%	You must be living in the UK, get a regular minimum £400 income, have mobile phone and e-mail address.	Not Required, just bank and debit card details.	4474%	Yes	Yes
TXT Loan	TxtLoan approve your loan in minutes and can offer you payday loans up to £100. You simply register online, follow the text message instructions and you will receive the cash in your bank account within minutes. You can continue to use the service whenever you need it most and have cash transferred into your bank account instantly. Representative Example: Total Amount of Credit: £100; Representative APR: 4474%; Duration of Agreement: 15 days; Total Charge of Credit: £17; Total Amount Payable: £117 Address: TxtLoan Ltd, 2nd Floor 145-157, St. John Street, London, EC1V 4PY.
Lending Stream	Lender	£80 - £720	125%	Steady monthly income, 18 years and above, residence in the UK, bank account with direct deposit, valid debit card, take home of £750 per month.	Not Required, just bank and debit card details.	3043.8%	Yes	Yes
Lending Stream	Lending Stream offers online short-term monthly instalment loans of up to £600 for new customers and up to £720 for returning customers. The loan offers you flexibility in repayment so you can pay back the funds in 4, 5 or 6 instalments depending on the loan amount. You may also pay off your loan early to save on interest charges. Representative Example: Total Amount of Credit: £200; Representative APR: 3043.8 %; Duration of Agreement: 6 months; Total Charge of Credit: £240; Total Amount Payable: £440 Address: Lending Stream Ltd, Wisteria Cavendish House, 369 Burnt Oak Broadway, Edgware, Middlesex, HA8 5AW.
FLM Quick	Lender	£50 - £500	£109.74	You must be over 18, be living in the UK and not be bankrupt or on an IVA.	ID required and validation of your debit card.	199%	Yes	No
FLM Quick	FLM Quick is The Richmond Group's competitive answer to the pay day loans market and allows customers to borrow between £50 and £500, which can be paid out the same day or within 24 hours at an incredibly low 199% APR! Manage your own balance and pay back when it suits you best as long as you meet the monthly interest repayments. You must have a guarantor to be approved for this loan. Representative Example: Total Amount of Credit: £160; Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185 Address: 28-32 Wellington Road, London, NW8 9SP.
Provident	Lender	£50 - £300	272%	Applicants must be at least 18 years of age and a UK resident. Repayment period 14 weeks - 31 weeks.	You will require proof of ID, address and income. National Insurance number may be required.	272.2%	No	No
Provident	With only 14 weekly repayments our budget loan is perfect for paying those unexpected bills, emergency home repairs or anything else that might crop up out the blue. The budget loan is available from £50-£300 and could be delivered direct to your door within a few days of filling out our online application and meeting your local agent. Representative Example: Total Amount of Credit: £300; Representative APR: 272.2%; Duration of Agreement: 52 weeks; Total Charge of Credit: £246; Total Amount Payable: £546; 52 weekly payments of £10.50; Rate of interest 80.2% p.a. fixed; The information underlined is variable depending on the loan amount, product & term offered. Address: 1 Godwin Street, Bradford, BD1 2SU NB.
Cash Genie	Lender	£75 - £750	130%	Applicants must be at least 18 years of age living and working in the UK. Wages must be paid directly into a UK bank account and applicants must have a debit card for this account.	Generally not required – Cash Genie offer instant online approval.	2623%	Yes	Yes
Cash Genie	Borrow £75-£750. Cash Genie are one of the newest and quickest growing quick loans companies in the U.K. Apply online or on the phone and you could have the money in your account today. They charge £30 for every £100 borrowed.
Safe Loans	Lender	£50 - £500	129%	Applicants must be: 1) at least 18 years old; 2) UK resident; 3) receive regular pay; 4) have a debit card for the bank account one's wages are paid into.	Sometimes bank statements or utility bills are required, but very rarely.	2120%	Yes	Yes
Safe Loans	Safeloans Ltd offers cash loans the same day and at a daily rate. You only pay the interest for the length of time you borrow the cash. Traditional ‘PayDay lenders' charge interest for a full 30 days, no matter how long you borrow the money for. Safeloans Ltd offers a quick and easy online application with instant approval decisions and same day cash transfers. Apply online in minutes and get cash in your bank today. Representative Example: Total Amount of Credit: £160; Representative APR: 2120.1%; Duration of Agreement: 30 days; Total Charge of Credit: £46.40; Total Amount Payable: £206.40 Address: Safeloans Ltd, 1st and 2nd Floor, 30 Church Street, Croydon, CR0 1RB.