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 loan types and lenders here!
Payday Loans - Click Here To Compare >>
Payday Loans - the easy loan for all applicants. Payday loans provide one of the quickest ways to borrow money. Most lenders listed here operate an easy online application process for a fast decision. Payday loans are designed to tide you over until your next payday. Therefore, the loan length is usually a maximum of around a month. In other words, you will need to pay back the loan 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 loan providers are direct lenders, others will be brokers who search the market on your behalf to find a suitable loan. In general, Payday loans are in the region of between £80 and £500 but this can vary greatly. Therefore it is wise to really compare what is offered from the many providers on our site.
As with any loan, there are a couple of things to watch out for - for instance, do have a look at the typical APR rate - this may be quite high compared to so-called 'regular' loans.
Why? Well, the rate will be higher because this is a payday 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 loan lenders even lend to unemployed applicants. Essentially, the borrower is classed as being riskier.
| COMPANY | TYPE | AMOUNT | REPAYABLE ON £100 | TERMS & CONDITIONS | ID REQUIRED | APR | DEBIT CARD | BANK ACCOUNT | APPLY |
Payday Express
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Lender | £80-£800 | 125% | Wages must be paid into a UK bank account. Applicants must be at least 18 years of age and in employment | Instant approval so ID not generally required | 1286.1% | Yes | Yes |
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| Apply online for an instant decision from Payday Express. This loan is suitable for all types of borrowers regardless of credit history. Please note Payday Express charge £20 for every £80 borrowed | |||||||||
247 Cashline Payday
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Broker | £100-£1000 | 125% | Applicants must earn at least £750 per month and be in full time employment. Payment should be within 31 days | No | 1355% | Yes | Yes |
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| 247 Cashline will give you a fast approval no matter what your credit history. Apply before 3pm Monday to Friday and receive funds the same day. Apply after 3pm and funds will be deposited the next working day | |||||||||
PurplePayday.com
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Broker | £100-£750 | 125% | Applicants must earn at least £750 per month and be in full time employment. Payment should be within 31 days | No | 1286.1% | No | Yes |
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| PurplePayday offer an easy application process and a decision in minutes - everything takes place online! There is not need for a debit or credit card, you just need a bank account to receive the loan! | |||||||||
Cash Genie
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Broker | £75-£750 | 130% | Applicants must have a debit card, be at least 18 years of age and working living/working in the UK | Instant approval so ID not generally required | 2330% | Yes | Yes |
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| Borrow £75-£750 with Cash Genie. The application process is fast and easy - apply online or over the phone.Please note that Cash Genie charge £30 for every £100 borrowed | |||||||||
Lending Stream Payday Loan
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Lender | £80-£1000 | N/A | Applicants must have a regular monthly income of £750, be at least 18 UK residents only, bank account and valid debit card | No | 1397.58% | Yes | Yes |
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| New customers at Lending Stream can borrow up to £400 and existing borrowers up to £1000. Lending Stream specialise in flexibility so you can pay back the loan in 30 days or take as long as 6 months. You can even pay back in installments or make an early payment (without prepayment penalties)to lower your interest | |||||||||
Payday Bank
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Broker | £80-£750 | 125% | Applicants need to be in employment and have a minimum take-home income (see website for more details) | Instant approval so ID not generally required | 1355% | No | Yes |
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| Payday Bank offer loans of between £80 and £750 payable within 31 days - you can choose to roll over the loan up to two times | |||||||||
Get Me To Payday
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Broker | £80-£750 | 125% | Applicants must be at least 18 years of age and have full UK residency. Income must be paid into bank account | No | 1355% | No | No |
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| Flexibility is key at Get Me To Payday - borrow between £80 and £750 and keep the loan over a period of 15, 30 or 60 days. There is a 25% borrowing fee | |||||||||
Quick Quid Payday Loan
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Lender | Up to £750 | 125% | See Website for details. Note there are restrictions for new customers | No | 1733.5% | No | Yes |
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| New customers will be limited to a maximum loan amount of £300, existing customers can borrow up to £750. Apply and receive cash the same day! (See website for details, conditions apply) | |||||||||
Wonga
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Lender | £50-£200 | From 105% to 129% dependant on term | Applicants must be at least 18 years of age and have UK residency. NOTE: Credit score and credit history will be taken into account | ID not generally required but bank account and debit card | 2334% | Yes | Yes |
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| Wonga Cash offer a speical service - the applicant may decide the length of your loan (from 1 to 30 days) - the shorter time you choose to pay back, the less interest you will pay. Interest is charged at 1% a day. Use the simple online calculator on the Wonga website to decide your loan terms | |||||||||
Payday Search
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Broker | £80-£750 | 125% | Applicants must be 18 (or over) years of age, employed and reside in the United Kingdom | Depends on Lender but not generally required | 1355% | No | Yes |
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| Payday Search offer to scour the loan market on your behalf - just fill out a quick online application form. You could receive your money within 24 hours | |||||||||
Logbook Loan
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Lender | £500-£50000 | Variable | See Website for Details | No | 437.4% | No | No |
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| Logbook Loans offer loans secured against your car. Borrow from £500 - £50,000. This is essentially a secured loan - if you do not pay off your loan you risk losing your car. | |||||||||
Payday Financial Loan
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Broker | £80-£750 | 125% | Applicants must be at least 18 years of age, be employed, have full UK residency and a bank account | Depends on Lender but not generally required | 1355% | No | Yes |
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| PayDay Financial offer loans of between £80 - £750. The application process is fast and takes place online. PayDay Financial claim to be one of the leading payday advance lenders in the UK | |||||||||
RedHouse Financial
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Broker | £80-£750 | 125% | Applicants must be at least 18 years of age. Wages paid into a UK bank account | Instant approval so ID not generally required | 1355% | No | Yes |
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| Get up to £750 in your bank account today with RedHouse Financial. The process is all online - apply for an instant decision, no credit checks! | |||||||||