Instant Decision Bad Credit Loans up to £5,000

(Loans with and without Guarantors)

Select an amount:


What should I do if I have any more questions?

You can email us at and we will do our best to help you.

What are your opening hours?

We offer an online service, so you can always apply no matter what time it is. Normal business hours are 9-5 Monday to Friday.

How fast is the application process?

Typically, you will have a decision about your payday loan within a few hours. If you apply early enough in the day, you could have the cash within a day.

I am self-employed, can I apply?

Yes, you can, but you will need to provide additional documentation to prove your income.

Will I need to sign anything?

We don’t need you to sign anything. The actual lender may require you to sign a loan agreement.

How much can I borrow?

Typically, you can borrow up to £25,000. The final decision on the amount you can borrow is down to the lender.

What is required on application?

All we need from you is your personal details, and information about your bank account.

I have a bad credit rating; can I still apply?

Yes, you can, we do not credit score the people applying for a payday loan.

Am I eligible for a payday loan?

If you are employed, and over 18, and have a proper address, you should be eligible. You must be a UK resident.

BadCreditSite does not charge any fees. If you are contacted by anyone saying they are calling from BadCreditSite requesting you make them a payment you should contact the Financial Conduct Authority (FCA) as we are aware that there is currently a scam using the BadCreditSite brand. This has nothing to do with our company.