Compare Payday Loans for Bad Credit
Compare payday loans for bad credit at a glance, find direct bad credit payday loan lenders & brokers that will offer you a payday loan online, apply today & get instant decision approval for a same day cash loan. Our poor credit payday loan comparison makes finding the cheapest payday loan for bad credit history easy.
Credit Card Approval Check
Payday loans are expensive & should only be used for short term borrowing. Make sure you understand the costs before you apply.
Fail to repay it in full & your loan may be automatically extended, this may cost you extra in fees & interest. It may also impact your credit score.
Failure to pay could result in collection action. Read our
Payday Loan Guides for more information about the likely cost & cheaper options.
| QuickQuid Payday Loan (Good - 1 Pay Period) | 1,410.33% | £100 | £1,000 | 1 day | 30 days | | £125 | 25% of advance | |
| Representative Example:
The Representative APR is 1,410.33% (variable) so if you borrow £100 over 30 days at a rate of 1,410.33% (variable) you will repay £125. Use code MONEY30 to save 30% off initial loan fees. |
| Kwik Cash High Approval Rate | 1,737% | £80 | £500 | 1 day | 30 days | | £125 | varies | |
| The representative APR is 1737% (fixed) so if you borrow £500 over 28 days you will repay £625 in total at a rate of 326% p.a (fixed). |
| PaydayUK Loan | 1,737% | £100 | £1,000 | 1 day | 30 days | | £125 | 29.95% of advance | |
| Representative Example:
The Representative APR is 1,737% (variable) so if you borrow £100 over 30 days at a rate of 1,737% (variable) you will repay £125. |
| Cash Lady Payday Loan | 2,670% | £80 | £500 | 1 day | 28 days | | £129 | varies | |
| Representative Example: The representative APR is 2670% (fixed) so if you borrow £200 for 28 days you will repay £258 in total at a rate of 378% p.a (fixed). |
| Zebit Short Term Loan | 1,737.2% | £50 | £800 | 7 days | 214 days | | £125 | --- | |
| Representative Example: The Representative APR is 1737.2% so if you borrow £100 over 1 month at a rate of 1737.2% you will repay £125. |
| Payday Express Express Loan | 2,670.8% | £80 | £800 | 1 day | 31 days | | £129 | 29% of advance | |
| Representative Example:
The Representative APR is 2,670.8% (fixed) so if you borrow £100 over 30 days at a rate of 378% p.a. (variable) you will repay £129. |
| 247 Cashline Payday Loan | 2,685% | £100 | £1,000 | 1 day | 31 days | | £125 | 25% of advance | |
| Representative Example: £275 borrowed for 28 days. Annual interest rate of 359.40% (fixed). Total amount repayable by one repayment is £357.36. 2685% APR Representative. |
| Lending Stream Payday Loan | 3,378.1% | £50 | £1,500 | 1 day | 180 days | | £130 | £10-£40 | |
| Representative Example:
The Representative APR is 3,378.1% (fixed) so if you borrow £100 over 30 days at a rate of 3,378.1% (fixed) you will repay £130. |
| Purple Payday Payday Loan | 1,909.1% | £100 | £1,000 | 1 day | 31 days | | £125 | 25% of advance | |
| Representative Example:
The Representative APR is 1,909.1% (fixed) so if you borrow £275 over 28 days at a rate of 1,909.1% you will repay £357.36. |
| UK Payday Today Payday Loan | 2,708.9% | £100 | £1,000 | 1 day | 31 days | | £129 | 25% of advance | |
| Representative Example:
The Representative APR is 2,708.9% (variable) so if you borrow £100 over 30 days at a rate of 378% p.a. you will repay £129. Payday Loans in just minutes. £75-£1000 Instant Cash. No Documents required. Bad Credit Okay. Instant Approval! |
| CashCowNow Payday Loan | 1,737% | £100 | £1,000 | 1 day | 31 days | | £125 | varies | |
| Representative Example: Representative APR 1737% so if £100 was borrowed for a period of 31 days at a fixed rate of £25 per £100 borrowed, the total amount repaid would be £125. |
| Payday Pig Payday Loan | 1,737% | £100 | £1,000 | 1 day | 31 days | | £125 | varies | |
| Representative Example: Representative APR 1737% so if £100 was borrowed for a period of 31 days at a fixed rate of £25 per £100 borrowed, the total amount repaid would be £125. |
| Cashub Payday Loan | 1,734% | £80 | £500 | 1 day | 30 days | | £125 | varies | |
| Representative Example: The Representative APR is 1,734% (variable) so if you borrow £100 over 30 days at a rate of 1,734% (variable) you will repay £125. |
| 100DayLoans UK Payday Loan | 1,734% | £50 | £1,000 | 1 day | 31 days | | £129.50 | varies | |
| Representative Example: Representative APR 1734% so if £100 was borrowed for a period of 31 days at a fixed rate of £29.50 per £100 borrowed, the total amount repaid would be £129.50. |
| Community Payday Payday Loan | 16,534% | £100 | £400 | 7 days | 28 days | | £148 | --- | |
| Representative Example:
The Representative APR is 16,534% (fixed) so if you borrow £400 over 28 days at 12% per week you will repay £592. |
| Easy Finance Club Payday Loan | 3,640% | £100 | £400 | 7 days | 28 days | | £132 | --- | |
| Representative Example: The representative APR is 3,640% (variable) so if you borrow £200 over 28 days at a rate of 8% per week you will repay £264 in total. |
| KwikPayday Payday Loan | 2,670% | £80 | £400 | 1 day | 28 days | | £129 | varies | |
| Represenative Example: A loan of £200 taken for 30 days would require payment of £250, the interest would be £50 for a loan with an annual interest rate of 1737%. |
| UKPaydayLoans Payday Loan | 1,990% | £100 | £1,000 | 1 day | 31 days | | £125 | 25% of advance | |
| Representative Example:
The Representative APR is 1,990% (variable) so if you borrow £100 over 30 days at a rate of 1,990% (variable) you will repay £125. |
| 24/7 Moneybox.com Payday Loan (First Time Applicants) | 4,301.9% | £80 | £200 | 1 day | 30 days | | £133.66 | £10 plus the interest | |
| Representative Example:
The Representative APR is 4,301.9% (fixed) so if you borrow £200 over 28 days at a rate of 438% (fixed) you will repay £267.32. |
| ClearAccount SafetyNet | 430% | £100 | £500 | 1 day | 58 days | | £130 | varies | |
| Representative APR: The Representative APR is 430% (variable). The interest rate is 1% per day equating to 365% p.a. (variable) charged for a maximum 58 days on the outstanding balance, so if you borrow £100 over 30 days you will repay £130. Clear the cheaper alternative to a payday loan. |
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How to Compare Bad Credit Loans
Finding affordable loans for bad credit can be tricky & this can be an issue if you need to borrow money but have a less than perfect credit record. Here’s how to compare payday loans for bad credit so you find the best deal.
Borrowing money when you have a poor credit history can be difficult, especially if you are looking for a loan in a hurry.
However, there are a number of bad credit payday loans now available in the UK which could lend you money at short notice even if you have a bad credit record.
Here’s how to compare instant loans for bad credit to ensure you’re getting the cheapest borrowing possible.
Consider alternatives
Instant loans for bad credit may appear to be a convenient way to borrow money but they are also very expensive and unlikely to be a long term solution if you’re struggling to manage your finances.
Even if you have a bad credit record there may be other alternatives which could be better for your finances. Read our guide How to Borrow Money With Bad Credit to run through your different financial options.
Decide what you need to borrow
Before you begin your search for a bad credit payday loan you need to decide exactly how much you need to borrow and how long you need to repay the money.
Due to the high cost of bad credit payday loans try and limit the amount you need to borrow to as little as possible.
It also makes sense to choose a loan period that will enable you to repay your debt in full within the shortest time frame to keep your costs down.
Compare prices
Once you’ve decided how much you need to borrow and how long you will need to pay your loan back you will need to look for the cheapest payday loan possible.
The main factor that determines the cost of any payday loan, including a loan for bad credit applicants is the interest rate.
All payday loan lenders display a representative APR which is an example of the interest your might pay over the course of 12 months.
However, as you are looking to borrow over a much shorter time scale you can also compare prices based on what you would have to repay if you borrowed £100.
Although you should avoid extending any payday loan beyond you original loan term, you may also want to check each loans' extension fee, which is charged should you be unable to repay your loan on time. This is something you should avoid doing if at all possible as it's likely to cost you a significant amount.
