Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk
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Which payday loan is best for people with bad credit?

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The Important Parts

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Note: Loanago is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans subject to status. Over 18s only. Minimum loan amount may apply.

Rates from 4.5% APRC to 500% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

Lenders Facts

Loan amount
£50 - £2,000
Loan term
3 Months Only
CUSTOMERSCORES
Good
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Loan amount
£200 - £1,000
Loan term
3 - 6 Months
CUSTOMERSCORES
Excellent
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Cheap Payday Loans without any Credit Check

The life we live is completely unpredictable. Anything might change anytime in any situation. With such unreliable course of living, it is only right you are given a reliable means of facing these life-changing situations to get back on a financial stability and meet the sudden demands that require financial assistance. Such emergencies cause a lot of pressure and stress and must be handled very quickly. If the money needed is manageable, you will be able to solve the problem with the savings in your bank account. However, in some cases, you might be able to come up with the money on such short notice and will require the help of a lender to face the situation. This is where payday loans come into picture to help you manage your situation efficiently.

Cheapest Payday Loans No Credit Check

Are you aware of cash loans? If not, it is time you learnt about it to help you in emergency situations. They are affordable small credit loans that will aid you in getting the money that you want when you need it. These loans can be repaid within in a short duration and will generally be provided a timeframe till your next payday. The purpose of the loan is to give you quick access to money when an emergency occurs and hence the repayment period is short, around 15-20 days. One advantage of using payday loan is that you do not have to specify the purpose of your loan and what you are using your loan for. You might need the money for car repair or mortgage or even medical expense. But irrespective of the purpose, you will not be questioned on the reason for taking a loan. If you have a bad credit history, you might hesitate in going forward with the loan. But there are some loans which does not require a credit check and you have to find the right lender to get such loans.
Are you eligible for the loan?

The first criterion for getting the loan is that you should be minimum 18 years of age and must have a decent salary. You should also have a valid bank account as your money will be transferred to the account and you can proceed from there. The time involved in you getting the loan is very short and lasts only a few hours, which is why this loan is said to be the quickest and easiest way to get the amount in your account. The time taken for transferring the money is said to be two hours, generally.

Don’t Overpay

A lender who does not charge additional fees is the best lender who will be able to provide with a quick payday loan. If you do your research on the payday lending market, you will be successful in getting a lender who waivers the extra cost and gives you a genuine deal to work with. They are people who understand the situation of the borrower and work accordingly. If you do your homework on the lenders, you will be able to avoid falling prey to people who are looking to rip you off and take advantage of your situation.

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Applications Accepted

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Return Customers

Service Charge

In order to earn a profit, lenders tend to lay a common fee of service charges or interest for the payday loan. As these loans tend to take about two weeks, the interest will not be enough. Hence such common fee is collected you do not have to be suspicious about that. If you pay back the money on the date that you promised, you will not be charged any other fee by the lender. However, there are some companies which do not inform you of the application fees that are involved when your request is processed. About $20 to $30 is charged for the application from the bank. Hence in order to avoid this, you could give a call to the bank and enquire on the fees for an application or you could also look for a message on their website that mentions free application. Generally, sending the loan application is a free process and if you are charged an amount for it, it is best if you look for another lender.

Before taking the loan, you should see if you are able to pay your monthly bills and pay off the loan without any issue. If not, taking a payday loan will not be of help to you and you might get into a bigger debt.

5 most recent personal loan reviews

Review of Funding Circle

Very quick response and good safety features. Speak to real people once the application has been logged. Very simple to fill out. Would definitely recommend Funding Circle to anyone.

Review posted by Gary Craigs, Dumfries

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Savvy

Really Great Service! Thoroughly recommend! Have dealt with several loan companies & Savvy is definitely the best, easiest, professional & they do exactly what they say unlike many other financial companies that lead you up the garden path!

Review posted by Helen Stern, Sheffield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Capital One

I have poor credit and really needed the money to pay a court fine or be up against the magistrate again. Really helped me out and I found the charges for the credit very reasonable. Would highly recommend if your in a pinch. Great customer service and went out of their way to help get the loan out the same night I applied. Started 6pm and had money in the bank before 10pm. Great service.

Review posted by Blake Harrington, Margate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot to ensure the authenticity of accounts.