How much cash do you want?

Quick loan, 100% safe, no obligation

Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

100 percent acceptance loan is also called the guaranteed loan. It means if you have poor credit and need quick cash for an emergency, you have the chance to approve the loan.

At Payday Loans UK, we don't offer 100 percent acceptance loans, but we can give you insight into the information about this loan and the annual interest rate of the loans. We will provide you with detailed and accurate information so that you can take decisions wisely.

This article will provide information about the process of 100 percent acceptance of a loan and how to improve the credit rate if you want the loan quickly. We are hopeful that you will get enough info to decide which type of loan will suit you according to your requirements.

What is a 100 Percent Acceptance Loan?

Some money loan institutions take every minute detail about the borrower. Credit Broker focuses on your credit count before giving loans and payday lender checks applications finely before transferring money to your bank account.

However, payday lenders claim that they offer 100 percent acceptance loans and financial services and don't check any application or credit. But the question arises, is it true 100 percent acceptance loan exists? Probably, the question is no.

  • If someone claims to offer a 100% acceptance loan, you should first confirm their consumer credit agreement and financial services register. Some money lenders provide eligibility criteria to get the loan amount and ensure that you can meet your repayment. If the money lender doesn't ask such questions, it’s a red signal, and you should avoid them.
  • If you do have not a perfect credit rate, you should go for another loan option. Do not involve the person who is not a lender and offer you choices.

You should select that loan which you can afford to repay. 100 percent advance loan is totally dependant on your necessary spending and your monthly income. It usually doesn't depend on your credit count. These details are required to make sure that you have enough amount to repay the loan amount.

Why Do People Take 100 Percent Acceptance Loans?

  • The main reason for selecting this loan is that person is afraid of failing in the credit check and the rejection of the online application. If you fall for the reasons mentioned above, you may choose the 100 percent acceptance loans. But, lenders need always ignore the credit score, many lenders check your score before approving the loan.
  • Another reason for selecting the loan is that people want to deliver money to their accounts quickly. The approval process is very fast in this loan type, so many people want to apply for 100 percent acceptance loans.
  • People take this loan to cover emergencies like the repair of their car. But we give you wise advice that you should avoid this loan. It can further indulge you in financial crises. Instead, you should look for another loan to handle the economic circumstances. You can select payday loans, which are short-term loans to cover financial issues.

How to Improve Your Credit Score?

Improving the credit score is the best way to get loans in the future. There are many ways of improving credit scores. By following the steps mentioned below, you can improve your credit score.

1- Register on the Electoral Roll

This process is entirely online and gives finance companies the evidence of address. You should provide the up-to-date information and give the details of the new address if you recently changed the address.

2- Avoid Mistakes While Filling the Form and Double Check Your Application Before Submitting

Just one incorrect piece of information can push you into trouble and difficulties and can also cause you serious money issues. It can pave the way in preventing you from future loans and can affect your credit count badly. Make sure you check all the information and the utility bills, address information, phone bills, and the council tax to ensure that your details are up to date and fresh.

3- Keep Your Credit Usage Low

Credit Usage is defined as the utilization of the availability of your credit limit and how you should try to keep it below 30%. If you have a credit limit of £4000 and you use £2000, your credit usage is 50 %. If you aim to lower this credit usage, the moneylender can look at it positively and lend you money quickly.

4- Try to Give Your Bills on Time

It is proof for money lenders that you can repay as you pay your monthly bills efficiently. It will create a good impact on the minds of the agents.

5- Avoid Changing Your Home Address Continuously

It will create a false impression on the agents. If you continuously change your home address, it makes a mess. Many Lenders consider the application of those applicants who live at the same address for a large duration.

If you don't want to apply for the 100 percent advance loans, you can also apply for the no credit check loans. Payday Loan mainly focuses on your affordability. It means that if you have a regular source of income and provide repayments on time, you can be approved for this loan.

Payday Loan UK doesn't offer 100 percent acceptance loans but offers short-term loans. The repayment of short-term loans can be made in the duration of 3 to 36 months. It provides comfort to the applicants to prevent the hurdles of repaying at once.

Summing Up

As you can see, Payday Loans UK is a good solution for people who need cash in an emergency. The loan is quick and easy to get because it doesn't require approval from anyone other than yourself. We hope this article has helped shed some light on what these loans entail so that you'll be able to make a more educated decision about which service suits your needs best. If you have any questions or concerns, feel free to contact us!


Other articles: is not a lender and does not make credit decisions. matches customer loan applications with lenders in a network based on the information you provide, in exchange for a commission paid by the lender for advertising services provided. We do not guarantee that you will be accepted by any lender or that you will be offered terms suitable for your financial requirements. Not all lenders will be able to provide amounts up to £5000. This website does not directly endorse any individual product or service. Any information on this website is opinion only. As a condition of extending credit, some lenders may make a credit check from a credit reference agency. Late repayment or missed payments may be subject to increased fees and/or interest rates.
*Once approved, your cash could be sent within 5 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s processes and procedures.
Warning: Late repayment can cause you serious money problems. For help, go to You can also get free debt advice by phone or chat at