Payday Loans

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Representative Example: 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).

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

What Are Payday Loans?

Commonly known as check advance loans or cash advance loans, payday loans are short-term loans. They are given against your next salary or next pay slip at a high rate of interest. The rate of interest is generally a certain portion or percent of your next salary.

Getting a payday loan requires a person to submit their previous salary slips or pay stubs in order to be eligible.

How It Works

  • Apply Online

    You do not need to step out of your house to apply for a payday loan. Simply go to the website of UKBadCreditLoans, fill out the forms, and wait for approval.

  • Get a credit limit

    You can get a credit limit based on what you earn and you can borrow any amount as per your credit limit. This will make it easier for you to repay the loan on time without incurring any penalty.

  • Check Your Offer

    This is probably one of the best features of UKBadCreditLoans that you can check the offer on our website before accepting or agreeing to anything.

  • Get Your Money

    Once you accept the offer and agree to the terms, the amount you have applied for will be credited to the bank account you have mentioned.

What's The Difference Between A Short Term And Payday Loan?

A payday loan is also a kind of short-term loan. However, there are certain differences. The rate of interest is higher in the payday loan. You need to submit all the documents in a short-term loan and in a payday loan, you also need to submit your pay stubs or salary slips.

A short-term loan can extend up to 18 months whereas a payday loan is only provided to you until the next payment of your salary.

Why Should I Choose UKBadCreditLoans?

  • No additional cost

    To get a payday loan from UKBadCreditLoans, you do not need to pay any additional cost. You can borrow the amount of your requirement at the repayment term of your choosing.

  • No obligation to accept

    You can go to the website of UKBadCreditLoans and just check your eligibility and approval status. You have absolutely no obligation to accept if you do not wish to.

  • Customised Loan Schemes

    Small loans refer to the small amount of money you need from time to time for various emergencies. These amounts cannot always be fulfilled by banks. Therefore, small loans come to the rescue and let you choose the amount and payment term in a short period.

  • 100 % Confidential

    At UKBadCreditLoans, your information is safe and secure because we maintain a certain confidentiality for all our borrowers.

  • No paperwork

    Since the process is online, you will save a ton of time and resources without doing any paperwork.

How Much Can I Borrow With a Payday Loan?

The amount you can borrow with a payday loan depends on your financial status and varies from lender to lender. But here on UKBadCreditLoans, our lenders can offer quick payday loans of up to 5000 pounds.

Can I Get A Payday Loan Without Credit History?

All regulated lenders will do some kinds of credit check on you to determine if you can pay back the loan. Your application will be thoroughly screened and it will also go up on your credit profile. You will also be required to submit your pay stubs or your salary slips so your income can be tracked and the company can be sure before lending you the money.

Extending A Payday Loan

Extending a loan anywhere has its consequences. At UKBadCreditLoans, the plans are customised to suit you. Therefore, the chances of facing negative consequences will be relatively lower. Still, if you wish to extend a payday loan in the middle of the tenure, you might face certain extension penalties. However, you can contact the lender in case you need to extend a payday loan.

Therefore, it is always suggested that you plan the repayment before narrowing or taking a loan.

Can Payday Loan Debt Be Forgiven?

The chances of a payday loan debt being forgiven are almost zero. Therefore, it is always suggested that you plan and prepare for the repayment well in advance to make sure that your credit score is not affected.

The amount, if not repaid, can even go to the collection agency and it can make matters worse.

Frequently Asked Questions

  • Can I get a payday loan with bad credit?

    You can apply for a payday loan with any kind of credit with UKBadCreditLoans.

  • Is a payday loan secured?

    With UKBadCreditLoans, you can apply for the process online and get approval in as less as 10 minutes. Once you agree to the terms, you can get the amount credited in as quick as an hour.

  • Can I get a payday loan without a bank account?

    It is possible to get a payday loan with no bank account. Please note that this operation can negatively impact your long-term financial health. Most lenders require customers to hold a bank account and debit card, otherwise it’s difficult to prove you have sufficient income to repay your debt.

  • Are payday loans fixed or variable?

    The payday loans are generally fixed because these are extremely short-term loans (mostly monthly) which means there is no time period to change it to variable.

Choose the Quickest Payday Loan

Looking to borrow money for a short time just to pay your monthly bills. Now you can do so with UKBadCreditLoans at the tap of your fingers.

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