Financial Help at Hand

Your Smart Online Broker

Guaranteed bad credit payday loans UK

Need a small cash sum for a short period?

Apply Now

Payday Loans

  • Borrow up to £10001
  • Trusted lenders only
  • Payouts within 24 hours
  • Responsible lending policy
  • Alternatives available

Need Payday Loans for Bad Credit?

"Bad credit" doesn't mean what it used to. A decade ago it could have implied gross mismanagement of your finances. But in today’s post-banking crisis world there are many people who have – and still do struggle with - financial complications caused by it.

A blemish causes by a few missed repayments is enough to mark you as having a "bad credit history".

Getting a Payday Loan:

Bad credit does not mean you can't get a payday loan:

  • it's more about your current income and expenditure
  • but could your bad credit history concern the lender?
  • should you be borrowing at all?

All the more frustrating is to have this label even though you are in steady employment with a steady income. But it's quite typical for today's cautious banks to refuse to lend even though you could afford to repay the loan.

Unscrupulous payday lenders used to target people with bad credit, and very often all this would do was make matters worse. The lending space has been cleaned up by new rules. And lenders now have to focus as much on affordability as your credit history.

A historical credit problem may not deny you a loan, but being judged as not being able to afford it certainly will. So, if you need a small short term loan for a precise emergency purpose you can certainly apply for a payday loan. The usual benefits of a fast payday loan apply, namely:

  • Access to fast cash when you need it the most
  • No restrictions on what the money can be spent on
  • A no hassle application process that can be completed online
  • Repayment within a month, so no long term debts to worry about

Affordability - more important than Bad Credit?

A person's credit history is damaged when they fail to meet repayment obligations on a loan. Far better therefore to test a person's ability to meet those obligations before lending them money in the first place. This is why all lenders (payday loan or otherwise) have to do affordability checks.

So, when it comes to repaying the loan can you do this without struggling to cover your other monthly outgoings? Lenders will ask you to list your regular household expenses (e.g. rent, food, energy, travel, etc) and compare these to your income. If you have sufficient money left over after covering your expenses then a loan may be affordable.

With the cost of short term loans now capped there is also less risk than there used to be. But keep in mind that you must repay these loans. No longer can you simply roll these loans on while trying to delay the repayment.

So, for those who don’t have the perfect credit score but who are still looking for access to a short term loan to help keep their finances in check, there is good news. Payday loans make it easy for many people to access the short term credit that they need even if their credit history is not perfect.

About Payday Loans

Representative Example

Loan Amount




Loan Term

30 days

Total Repayment


Actual Interest Rate

24% (vrbl)

Representative APR


Apply Now!

Warning: Late repayment can cause you serious money problems. For help, go to

1 Subject to application being approved by the lender. Not all lenders are able to provide up to £1000.

No Fees Broking Service

Answer 4 quick questions to discover your loan options.

Quick Start

Our Promises

  • No Fees or Charges
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


Online Service

When it comes to getting you your loan our online service is second to none. In fact has scored 4.6 out of 5 based on 308 ratings & 53 user reviews for its payday loans service.

Used our website? Write your review now.