Interest Rates from 43.1%APR to 1333% APR. Minimum Repayment Period is 1 month. Maximum Loan Repayment Period is 36 months. Representative Example: £1,200 loan 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 Example APR: 49.7% (variable).

No obligation quote and APR will be based on your personal circumstances. *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

Do you want Instant Payday Loans? Payday loans are a form of short-term cash advance that is designed to help people who need money quickly. This type of loan can be very beneficial for those with low credit scores or no credit history as they have the chance to get approved for a loan without going through the hassle and expense of traditional borrowing methods. Payday Loans UK offers instant approval, easy payment options, flexible repayment terms, and competitive rates. Learn more about this financing option by reading our blog post today!

What Is Instant Payday Loans?

Instant payday loans allow you to make an online application and receive the funds instantly into your bank account if you are successful. In reality, instant loans do not exist as FCA regulated companies must carry out some affordability and credit checks prior to funding any loan.

But Payday Bad Credit can help – we are an authorised lender who can provide money transferred to your bank account in 1 to 2 hours, or sometimes sooner.

The entire application process is online, so if you are looking for quick loans, we can process your application to provide funds within the hour. Simply click on apply now below where you will be taken to our form.

Once you have filled in your details, you will receive an instant decision letting you know if your application has been provisionally accepted or not. If successful, you will be asked to sign an online agreement, complete some final checks and funds can be transferred to your bank account.

When Would You Need Instant Payday Loans?

Instant payday loans bad credit are best suited for those with emergency expenses and looking to borrow a few hundred pounds to tide them over. We never know when an unexpected bill is going to pop up, whether it is car repairs, a medical bill or an urgent home repair.

The average car repair bill in the UK is £125 to £200 and other typical emergencies include up to £1,250 for a broken boiler or maybe you need a portable air conditioning unit at around £500 to handle the heatwave.

Life is unpredictable and even if we try hard to save money, we can never be certain when a problem will occur and will need money to be fixed. There are also things with a tight deadline such as rent, household bills or a broken boiler that need instant loans to get us back on track.

The benefit of the loans we facilitate at Payday Bad Credit is that they provide the money in one lump sum so that you receive the money into your bank account and can pay off your expenses quickly.

Repayments are then made every month for several months (that you can select), whether it is 3,4,5 or 6 months and you have the choice to repay early if you wish to. This gives you the much-needed breathing space to be able to repay your loan off in small instalments so that you can get your finances back on track very soon indeed.

Am I Eligible?

The general criteria for applying is:

  • Over 18 years of age
  • UK resident and living in the UK full-time
  • Working in the UK and earning a minimum of £500 per month (full or part-time)
  • Working current account (to receive funds and make repayments)
  • Working UK mobile phone account and email address
  • Not on benefits or pension
  • Adverse credit considered
  • Able to afford monthly repayments

Instant payday loans bad credit work to start with an online application and depend on your credit score. When making an application, you will be required to verify your account with a PIN code sent to your phone and a unique email link.

This gives you access to your personalised loan agreement and you use the PIN code to electronically sign it. This means that there is no need for printing off lots of forms, signing and scanning them, or waiting for the mail to arrive – the process is very much automated online and helps you move things along quicker about instant cash loan.

Why Choosing Payday Loan UK For Instant Payday Loans?

While we suggest that you shop throughout to obtain your loan alternative, we as payday lenders may merely be the ideal choice. You should examine your wanted loan lender as much as desirable before applying or starting an agreement, but here are just a few motives why we believe you should consider Payday Loans UK:

1. FCA Authorisation

Responsibility and trustworthiness are essential in a loans provider, so we are pleased to say that we are entirely FCA authorized and are entered on the financial services register. By selecting a lender that holds this accreditation, you can be assured that they are committed and reputable in the business and allow higher measures when it comes to lending.

2. Flexibility

You can getInstant Payday Loans for various people from a category of economic environments, so we must keep our loan choices as flexible as possible. We want to allow every applicant the potential to repay their loan over a time that satisfies them and provide the absolute amount of cash for their financial status, whether they have inadequate credit or a short cash issue. Our loans start at £50 and rise to £5000 for all applicants, with a repayment period of 6 to 36 months and with various numbers in between the amount.

3. No Hidden Fees

We ensure complete transparency with Instant Payday Loans bad credit, and if elected as your QuickQuid alternative, we can guarantee no nasty astonishments or hidden fees. Whether you require cash loans or something completely different, we do not impose any upfront, late repayment, or extra fees on the capital of the loan you want. We take a simplistic approach and justify the loan and repayments before we understand, and there will be no additional fees.

4. Options For Bad Credit

We started Payday Loan UK because we desired to help hard-working people, even with a bad credit history. We consider all forms based on affordability to avoid dropping you into further financial problems. Instead of evaluating your entire credit history, we will estimate your regular monthly earnings, your primary spending, and any other financial responsibilities that you may have to decide whether you will be capable of making monthly repayments. If you cannot make the repayments on time, avoid taking a loan because it can cause you serious money problems.

5. Responsible Lending

While granting Instant Payday Loans Bad Creditto individuals in challenging circumstances or with bad credit history, we must take a rational approach. We have our lenders’ best pursuits at heart and will not let an appellant secure a loan if we think they do not have the medians to make the monthly repayments. We will make sure that no candidate is dropped out of pocket, and if we understand that a person will strive to make repayments, we will not accept the application.


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