Compare Bad Credit Loans Instant Decision

Get a bad credit loans instant decision from one of the best instant loans for bad credit lenders offering quick 1 hour payday loans in the UK so you get the cash you need today. Our bad credit loans comparison lists all loans for people with bad credit instant decision deals from top UK payday loan companies so you get the cheapest rates.
Important information about payday loans
Your loan may be automatically extended if you donít repay it in full, this may impact your credit score and cost you extra in fees and interest. Failure to pay could mean you face collection action. If you already have a payday loan don't take out another as cheaper options are available; our guides explain.
Payday loans are expensive and should only be used for short term borrowing. Make sure you understand the costs before you apply.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Debt problems? Get free confidential advice from StepChange Debt Charity on 0800 138 1111.
QuickQuid Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0003 months£129.50 over 31 days
Use code MONEY30 to save 30% on your initial interest rate.
Representative Example: The Representative APR is 1,999% so if you borrow £200 over 31 days at a rate of 347% p.a. (fixed) you will repay £159.
 
sunny.co.uk Flexible Credit
Representative APRLoan AmountMaximum TermRepayment for £100
1,971%£100 to £1,0005 months£127.06 over 28 days
Representative example: The Representative APR is 1,971% so if you borrow £350 over 12 months at a rate of 345% p.a. (variable) you will repay 12 monthly payments of £105.65 and £1267.80 in total. So if you borrow £100 over 28 days you will repay £127.06 in total.
 
Pounds to Pocket Short Term Loan
Representative APRLoan AmountMaximum TermRepayment for £100
399%£200 to £2,0006 months-
Representative Example: The Representative APR is 399% so if you borrow £550 over 12 months at a rate of 172% p.a. (fixed) you will repay £98.54 per month and £1182.50 in total.
 
Cashub.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£80 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a.(fixed) you will repay a total of £250.
 
QuickQuid FlexCredit
Representative APRLoan AmountMaximum TermRepayment for £100
1,362%£100 to £1,00010 months£123.49 over 30 days
Use code MONEY30 to save 30% off initial loan fees.
Representative Example: The Representative APR is 1,362% so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34.
 
Purple Payday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 to £1,00045 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% (fixed) you will repay £226.68 in total.
 
Cash Lady Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £3006 months£129 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The representative APR is 2,670% so if you borrow £80 for 28 days at a rate of 378% p.a. (fixed) you will repay £103.20 in total.
 
Payday TopUp Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,758.17%£50 to £1,00050 days£125 over 30 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,758.17% so if you borrow £173.60 over 30 days at a rate of 434.9% p.a. (fixed) you will repay £226.68 in total.
 
Paydaylady.co.uk Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£50 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% so if you borrow £200 over 28 days at a rate of 326% p.a.(fixed) you will repay a total of £250.
 
PaydayUK Loan
Representative APRLoan AmountMaximum TermRepayment for £100
3,361%£100 to £1,00037 days£129.95 over 30 days
Receive £5 cashback for every £100 borrowed when you pay it back in full and on time.
Representative Example: The Representative APR is 3,361% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36.
 
UK Payday Today Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,327.87%£100 to £1,00028 days£129.95 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 2,327.87% so if you borrow £275 over 28 days at a rate of 359.4% p.a. (fixed) you will repay a total of £357.36.
 
CashCowNow Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125.
 
Payday Pig Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,737%£100 to £1,00031 days£125 over 31 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125 in total.
 
Tide u Over Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£100 to £40039 days£135 over 30 days
This provider is not signed up to the Good Practice Charter which encourages responsible lending from payday lenders and brokers.
Representative Example: The Representative APR is 1,734% so if you borrow £200 over 28 days at a rate of 326% p.a. (fixed) you will repay £261 in total.
 
TideMeOver Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,734%£80 to £50030 days£125 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example: The Representative APR is 1,734% (variable) so if you borrow £200 over 28 days at a rate of 326% p.a. (variable) you will repay a total of £250.
 
PiggyBank Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
1,355%£50 to £50042 days£130.10 over 28 days
If you want this loan you'll need to pay a total of £6.95 in fees.
Representative Example: The Representative APR is 1355% so if you borrow £250 for 30 days at a rate of 300% p.a (fixed)you will repay a total of £319.45.
 
KwikPayday Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
2,670%£80 to £75028 days£129 over 28 days
This is a payday loan broker, they will search other payday loan companies to find you a loan.
If you want the money the same day you may need to pay a faster payment fee.
Representative Example :The Representative APR is 2,670% so if you borrow £200 over 28 days at a rate of 378% p.a. (fixed) you will repay £258 in total.
 
MYJAR Payday Loan
Representative APRLoan AmountMaximum TermRepayment for £100
3,943%£100 to £10018 days£120 over 18 days
Representative Example: The Representative APR is 3,943% so if you borrow £100 over 18 days at a rate of 406% p.a. (variable) you will repay £120 in total.
 
QuickQuid Payday Loan (3 Pay Period)
Representative APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,0003 months£188.50 over 90 days
Use code MONEY30 to save 30% on your initial interest rate.
Representative Example: The Representative APR is 1,999% so if you borrow £100 over 90 days at a rate of 347% p.a. (fixed) you will repay £188.50.
 
QuickQuid Payday Loan (1 Pay Period)
Representative APRLoan AmountMaximum TermRepayment for £100
1,999%£100 to £1,00030 days£129.50 over 31 days
Use code MONEY30 to save 30% on your initial interest rate.
Representative Example: The Representative APR is 1,999% so if you borrow £100 over 31 days at a rate of 347% p.a. (fixed) you will repay £129.50.
 

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Payday Loan Comparison

Alternative Payday Loans

You may want to compare the above payday loans with the following.

Payday Bank Loan

  • Minimum loan term of 1 day is available.
  • New customers get £750 maximum loan from this Loan.
  • Get a minimum loan of £80.
  • New customers get 2,670% representative APR from Payday Bank.
  • Representative Example: The Representative APR is 2,670% so if you borrow £180 over 28 days at a rate of 378% p.a. (fixed) you will repay £232.20 in total.

Payday Express Express Loan

  • Customers get 2,885 percent representative APR from this Express Loan.
  • 8 days minimum loan term is offered with this payday loan.
  • CFA trade association affiliation.
  • £100 minimum loan is offered with Express Loan.
  • Representative Example: The Representative APR is 2,885% so if you borrow £200 over 28 days at a rate of 378% p.a. (variable) you will repay £258 in total.

PaydayUK Loan

  • This Loan payday loan has a representative APR of 3,361 percent.
  • CFA trade association affiliation is offered.
  • Maximum loan of £1,000 is available with Loan.
  • 1 day minimum loan duration is available with Loan.
  • £100 minimum loan is available to you.
  • Representative Example: The Representative APR is 3,361% so if you borrow £275 over 28 days at a rate of 359.40% (fixed) you will repay £357.36.

QuickQuid FlexCredit

  • 10 months max loan term is offered.
  • 1,362 percent representative APR is available to you.
  • Customers will get £1,000 max loan.
  • New customers get £100 minimum loan from this payday loan.
  • CFA trade association affiliation.
  • Get minimum loan length of 1 month.
  • Representative Example: The Representative APR is 1,362% so if you borrow £1,200 over 10 months at a rate of 300% p.a. (fixed) you will repay £2,831.34.

QuickQuid Payday Loan (2 Pay Period)

  • Customers get minimum loan of £100.
  • Get representative APR of 1,999%.
  • Get 2 months max loan term from QuickQuid.
  • Customers get CFA trade association affiliation from QuickQuid.
  • A 1 day minimum loan duration is offered.
  • Representative Example: The Representative APR is 1,999% so if you borrow £100 over 60 days at a rate of 347% p.a. (fixed) you will repay £159.

The Money Shop Payday Loan

  • Representative APR of 2,962 percent.
  • The Money Shop gives minimum loan of £100.
  • Minimum loan length of 5 days.
  • The Money Shop payday loan has a CFA trade association affiliation.
  • Representative Example: The Representative APR is 2,962% so if you borrow £200 over 28 days at a rate of 390.94% p.a.(fixed) you will repay £259.98 in total.

CashCowNow Payday Loan

  • Representative APR of 1,737 percent is available.
  • CCTA trade association affiliation is available with Payday Loan.
  • £1,000 max loan is available with Payday Loan.
  • The payday loan gives a minimum loan term of 1 day.
  • New customers will get minimum loan of £100.
  • Representative Example: The Representative APR is 1,737% so if you borrow £100 over 31 days at a rate of 296% p.a. (variable) you will repay £125.

Cash Lady Payday Loan

  • Get minimum loan of £80.
  • Get a maximum loan term of 6 months from the payday loan.
  • BCCA & CCTA trade association affiliation is offered with this payday loan.
  • 1 day minimum loan duration is available.
  • This Payday Loan has 2,670 percent representative APR.
  • Representative Example: The representative APR is 2,670% so if you borrow £80 for 28 days at a rate of 378% p.a. (fixed) you will repay £103.20 in total.