Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk
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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Ways to Get a Payday Loan

When you are looking to get a loan, it is not a simple process. In general, a lender will need you to fill in a line of forms that require various details like employment history, income, credit history and much more. However, many other lenders will make the entire process of applying quick and you will be able to finish it within a matter of few minutes. It’s only when you are looking to take a loan would you realise that there are very few lenders out there who will be willing and eager to help you when you are in need of it. If you thought that your credit history will come in the way of you getting a loan, then you thought wrong. In fact, despite your past, no credit check loans will ensure that your loan can still be approved and your funds will be deposited to your bank account.

Influence of Credit history

You should not let your credit history to stop you from getting a good deal on the amount of money that you need to borrow and cheap payday loans no credit check make sure about that fact. You do not have to fear that your credit history will be revealed for the loan process and look forward to a stable financial situation with your loan in hand. No credit check loans are available to you irrespective of when you are in need of it and the best part is that you can ask around to find the best deal for you. There are a number of no credit check payday loan lenders and you will be able to find the one that will best suit your unique needs. The simplicity of the loan process is one of its biggest advantages. If your credit details need to be checked for other loans, the entire process can be nerve-wracking and you could simply choose to avoid such situations when you opt for no credit card payday loan.

How to get the loan

The amount of money you need is not a problem when you take a loan from lenders who offer no credit checks. In fact, you will qualify for the amount almost instantly and based on your ability to repay the loan, there might be some slight variations in the amount. It is not only possible to choose the loan amount that you require, with individual lenders but you can also make a comparison between the different lenders and finally choose the one that offers you the best deal to meet your expenses or pay your bills.

Rules for Payday Loans:

Here are some rules, that is part of taking payday loans, that you need to be aware of.

  • You must have the essential cash to further meet your financial needs.
  • You should be able to repay the loan within the decided deadline or time period.
  • You will not be able to borrow over what you have earned during your pay period.

But, if you take a payday loan which is equal to the salary that you get on a monthly basis, you will not have enough money to meet your everyday expenses and will end up taking more loans. This will leave you in a loan cycle where you will borrow a new loan to pay off your old one and you will not be able to pay off any of the loans that you borrow.

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Applications Accepted

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With Bad Credit

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Return Customers

Alternative for Payday loan

There are some companies which get your personal details and look for suitable lenders to finance your need. This way your information will be sent to all third parties and they will process your request accordingly. There are some other companies which tend to sell your information which will result in you getting many spam emails and sales calls. So when choosing the lender, you will have to think carefully and then disclose your details if you want a legitimate company to get in touch with you. There are also lenders who will help you by setting flexible repayment terms according to your need. They will also provide you with the financial educational materials.

Getting a loan is not an easy task and once you do get it, closing it by paying it off completely is also not easy. Hence, you should do proper research on the loans that are available to you and the ones which give you a decent interest rate that you afford.

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.