Fast bad credit payday loans from £100 to £5,000

  • Free and no obligation quote
  • No impact on your credit score*
  • Loans for all credit types

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

Choose loan amount
Representative 49.9% APR (variable). Representative Example: If you borrow £1,000 over 12 months at a Representative rate of 49.9% APR (variable) and an annual interest rate of 49.9% (variable), you would pay 12 monthly instalments of £103.06. The total charge for credit will be £236.72 and the total amount payable will be £1,236.72.


We've made it as simple as we can for people with a poor credit history to find the loan they need fast. Begin by using the form above to give us your basic details and our smart search technology will find the cheapest lender from our panel likely to say yes to you.

You could have the cash you need in your bank account within just 15 minutes^.

Our site allows you to access a range of payday loans, short-term loans, bad credit loans and doorstep loans, meaning you only have to make one loan application and we will find the cheapest lender likely to say yes. Our application process only takes a few minutes to complete and will show the best offer from our panel that we believe an individual qualifies for based on circumstances and criteria. Providing the best payday loan online and solving any emergency financial worries.

Our payday loans can benefit a multitude of individuals who can opt to take a guarantor loan or no guarantor loans. Borrow up to £5,000 and receive cash same day with BadCreditSite, a direct payday broker, authorised by the Financial Conduct Authority (FCA).

What are payday loans?

A payday loan is a short-term unsecured loan that is sometimes referred to as a payday advance. Anyone over the age of 18 years old who is a UK citizen and has stable income can apply for an online payday loan. Having a less-than-perfect credit score does not mean you are unable to obtain an affordable loan from a direct lender online. Our website offers loans for poor credit, and no hard credit check leaving no footprint on your credit rating. * However, Our Partners may conduct a credit check once redirected to finalise payday loan details.

A payday loan for poor credit is designed to relieve any urgent or emergency finances. Having an adverse credit rating no longer needs to stop an individual from receiving this financial assistance. Our Site matches customers with quick payday loans for bad credit at affordable interest rates, so there is no negative impact on credit score.


  • Receive cash in as little as 15 minutes
  • Spend the loan any purpose you see fit
  • Get a rate that suits you
  • Guarantor loans or no guarantor loans
  • Convenience from your own home
  • Basic requirements to adhere to
  • No hidden charges
  • No footprint on credit rating
  • Poor credit rating accepted

A payday loan or bad credit payday loan can bring short-term resolution to a financial, often emergency, crisis. Many benefits accompany an instant payday loan, one of the vital factors is that our application process is entirely free and straightforward. We frequently receive enquiries regarding no credit check payday loans with guaranteed approval and confirm that our application leaves no footprint on your credit rating. No loans are guaranteed and the final decision lies with the lender.


Payday loans can act as a lifesaver when in an emergency financial situation. However, this type of short-term loan may not always be the best option for an individual. Payday loans can sometimes be a more expensive method of obtaining quick money if you do not select the correct payday lenders or loan terms. Also, if you miss a payment, you may incur fees and end up owing a higher total interest amount. Continuously missing payments may lead to further damage to your credit rating. This is why it is essential to make sure you are in a position to repay your loan in the set agreed time.

While some may argue the fees charged on short-term loans are too much, in reality, lenders have to follow strict rules and regulations. This means they cannot apply unnecessary fees as payday loans are capped at 0.8% per day; this cap stops borrowers from paying over double the amount they borrowed. During a financial emergency or in-between paycheques, payday loans are available to offer assistance.


We are an FCA regulated direct online broker and our panel offers a number of affordable instant payday loan. Some of the most popular loan types are:

Bad Credit Payday Loans

‘Bad credit’ describes the financial situation of someone who has experienced or currently is experiencing poor management or failure to make payments. Bad credit translates as ‘higher risk’ to lenders and traditional financial institutes. However, payday loans for bad credit are incredibly easy to access and our direct lenders accept poor credit individuals.

If you are cash strapped then a payday loan for bad credit may be perfect. It is the best loan option for individuals with a bad credit rating as our lenders offer specialist loans. An individual can choose to attain a secured loan or an unsecured loan - payday loans for bad credit no guarantor. Numerous small payday loan lenders in the UK will approve your application despite bad credit rating and without a guarantor.

If you need extra cash, do not let your bad credit rating stop you from getting a loan. Our application does not leave a footprint on your credit rating and assures that your loan will not further derail your finances so long as repayments are made. Bad credit payday loans are capped at 0.8%; stopping lenders from over charging consumers.

Online Payday Loan

No guarantor online payday loans range from £100 to £2,000. The loan is repaid the same day you receive your monthly income. An online payday loan takes less than 2 minutes to apply for and a decision is made within 90 seconds. These credit loans are small, flexible loans designed to cover urgent and short-term cash flow problems. Depending on the frequency you are paid, you select the time frame, i.e. 14 days, 21 days, or 28 days. Some online payday loan lenders can extend repayment time by one to two weeks.


Before you apply for a loan, you should consider some important factors that will ensure you receive the best payday loan in 15 minutes.

1) It is recommended that the loan has a purpose. A payday loan should not be used frivolously and is a way of obtaining funds, primarily when there is no other method. Continuously applying for loans without reason can have a negative impact on your future credit score

2) Take the time to understand the terms of the loan and make sure it revolves around what you can afford. When selecting a loan from a lender, you can choose the repayment time and instalment amounts. Keep in mind the longer the term, the higher interest paid back overall

3) Are they FCA-authorised? Before engaging in any financial business with an organisation or lending agency, always confirm they are FCA approved. We urge consumers if they are in doubt to check company credentials and registration on the Financial Services register.

Avoid getting into debt with loans

Payday loan debts can result in serious money problems; a study has recently shown half of UK adults are financially vulnerable to many being susceptible to taking out credit they can’t afford. Visit if you feel you need help.

Apply for a loan now!

We offer services that always promote customer satisfaction and believe in serving the customer first. Our site is the ultimate choice for consumers as we offer a 100% free and straightforward online loan matching service which takes less than 2 minutes to complete. Based on the details provided, we will redirect you to a lender who would like to lend to you. A payday loan decision could be made within 90 seconds. If you choose to formally apply for the loan, the lender will likely cary out a hard credit check.

We work alongside a diverse panel of direct lenders who offer an array of products, including same day payday loans for bad credit. Why not get a free quote today, rest assured there will be no detriment to your credit rating!

Payday Loans Pros

  • Short-term commitment. Pay back the loan when you next receive income
  • Cover expenses or emergency bills between your paycheques
  • Repaying the loan back in full can help enhance your credit rating

Payday Loans Cons

  • Short time-period to repay full loan back which may concern some individuals. Always make sure you are capable of repaying what you borrow
  • The maximum amount an individual can borrow through a payday loan is around £1,000. If you require a higher amount, we suggest looking at our other loan products

Badcreditsite will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan.
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