Bad Credit Payday Loans

£100 to £5,000 paid out same day!*

  • Loans Paid Same Day
  • Bad Credit Considered
  • Instant Decisions
  • Borrow up to £5,000

Select how much you'd like to borrow and over how many months below.

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

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

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

Everyone has a credit score, but not all of those scores are good.

When you’re in need of a little extra cash before payday, a poor credit rating can make finding the lender that’s right for you much more difficult. That’s why the team at WageDayAdvance are working hard to take the headache out of lending.

We believe that everyone should have access to the cash they need when they need it most. Working with reputable payday lenders from across the UK means that we can deliver that safe borrowing experience to our customers.

Our lenders aren’t just reliable, they’re flexible too – willing to work with people who don’t have the best credit rating. Getting bad credit payday loans could be much easier than you think.

How much would you like to borrow?

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Representative APR: 79.5% (variable). 

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

WageDayAdvance is a broker, not a lender, and does not make credit decisions. We may receive a commission from the lender.

How do lenders score “bad credit”?

A credit rating is a numerical representation of how “risky” you might be to a lender.

The lenders that we partner with use these scores, among other information, to make decisions about your credit applications. The scores come from the actions you’ve taken with your credit in the past. Credit agencies in the UK collect data about every credit card and loan you’ve ever used, and whether you’ve paid the money that you owe back on time.

Now here’s where credit ratings get tricky. There’s no such thing as a uniform credit rating, or a credit rating blacklist. Each lender scores you in their own way, and the score algorithms they use are a big secret. In other words, just because one company says you have bad credit, doesn’t mean that another will feel the same way.

That’s where WageDayAdvance comes in to help you out. We ensure that you can avoid some of the regular loan companies that would define your score as “bad”, so you reduce your risk of application rejection. After all, every time you apply for credit and don’t get it, that’s another mark on an already problematic credit report.

By conducting a soft check on your situation, our brokerage system can match you to a reliable lender from our network of FCA regulated companies, boosting your chances of first-time approval. Whether you’ve got a bad credit score or not, we can help you find the payday loan you need.

Does bad credit affect payday loans?

A payday loan is a short-term loan designed to give you a small amount of cash for a short period of time. It’s a handy way to borrow money in some situations, and it’s convenient too.

Payday loans are generally easier to apply for when you don’t have the best credit. WageDayAdvance partners with various trustworthy lenders who can offer flexible loans to people from all backgrounds. Because you’re not borrowing as much money with this kind of loan, and you’re only lending for a shorter period of time, the risk on the lender is lower.

However, it’s worth noting that some lenders can still refuse to give you cash based on your credit rating. That’s why it’s so important to know your situation and apply for the right kind of loan the first time.

At WageDayAdvance, we take the risk out of applying for a payday loan in more ways than one. First, we use our brokerage system to automatically match your application to the lender that’s most likely to give you the loan that you want.

We also keep you safe by only using lenders who hold themselves to the highest possible standards in terms of safety and regulation. All of our lending partners are approved by the FCA, so you know that they can’t charge you over the odds when it comes to fees and interest.

How does a bad credit payday loan affect my credit?

One of the easiest ways to start improving your credit rating is to show the agencies responsible for scoring you that you’re responsible with your money. Unfortunately, at WageDayAdvance, we know that can be hard to do when you’re not getting the loans you need.

The more you apply for traditional loan products and fail to get the cash you need, the harder it is to repair your financial situation and your credit. We’re putting an end to that problem once and for all. Whether you’re dealing with the sudden expense of a broken down car, or you’re paying unexpected vet bills, we ensure that you can get the payday loan that’s right for you.

As a reputable UK broker, we only conduct a soft pull credit search on your history. This means that we don’t leave any marks behind when we’re assessing which lenders we should be connecting you with through our brokerage system.
Applying for a bad credit payday loan through our brokerage service won’t have an effect on your existing credit rating. However, as you pay off that loan according to the guidelines given by one of our partnered lenders, you might find that your score starts to improve.

Paying your loans off on time shows the credit agencies that you have what it takes to manage your money properly. Remember, credit scoring is all about predicting your future behaviour based on what you’re doing in the present, and what you’ve done in the past.

How can I improve my credit score?

Applying for a bad credit payday loan with WageDayAdvance will help to protect your credit score and put you on the track to build a better rating. We match you to the lender that’s most likely to work with you from day one, and help you prove that you have what it takes to borrow credit in a reliable way. Of course, there are some other ways that you can support your score too:

  • Register to vote: Registering for the electoral roll on is an easy way to get a boost on your credit score. You’re going to struggle to get approved anywhere if lenders can’t see that you’re a real citizen of the UK. If you’re not eligible to vote in the UK, you can apply for proof of residency instead.
  • Check your credit report: Before you start applying for bad credit payday loans, you could consider looking at your credit score. Equifax, TransUnion, and Experian can all make mistakes when they’re gathering information for your credit rating. Regularly checking for errors can stop you from losing out.
  • Manage your payments: It sounds obvious but setting up direct debits and standing orders to reduce your chances of missing payments will improve your credit. When you get a bad credit payday loan from one of our lenders, make sure you know exactly when you should be paying back what you owe.
  • Don’t let other people ruin your score: Sometimes if you’ve had a joint financial product with someone in the past, they can harm your score in the future. Make sure that you split your finances from anyone you’re no longer connected with.
  • Reduce your credit applications: More applications mean more marks on your file. At WageDayAdvance, we can reduce the number of applications you need to make by matching you to the right lender straight away.

What are the Advantages of a bad credit payday loan?

Just because you’ve had problems with credit in the past doesn’t mean you’re not trustworthy now. At WageDayAdvance, we understand how easy it can be to lose control of your credit score. That’s why we’re on hand to help everyone access the loans they need, no matter what their rating might be.

A bad credit payday loan is usually a good idea when you’re looking for a quick and simple way to get short-term credit. With these loans, you only borrow money for a short amount of time, and the loan is usually quite small, so you can pay it back faster. For instance, you might decide to get a bad credit payday loan when you have a sudden plumbing problem to pay for at home.

Why Use WDA?
How much do you offer?
£100 - £5,000
Quick application.
Over how long?
1 - 36 months
Flexible repayments.
Bad credit accepted?
Welcome to apply
We cater for all.
How do I get a loan?
Apply Online
Secure application.
Representative APR
49.7% (variable)
No obligation quote.

If you know that you have bad credit, applying for a payday loan with one of our approved lenders can help to reduce the risk of you damaging your score further with rejected applications. Other benefits of our brokerage system include:

  • Flexibility: You can get your bad credit payday loan for the amount you want, and the term that’s right for you. Our flexible lenders can offer a range of options to suit your needs.
  • Simplicity: Applying for a bad credit payday loan with WageDayAdvance is easy. Just fill out our online form and the system will do the rest of the work. You’ll be matched to a lender in minutes, and you can do it all from home.
  • Speed: Not only is applying for the cash you want quick and simple but getting it is fast too. Many of our partnered lenders can deliver the cash you need fast. That’s perfect when you’re dealing with emergency situations.
  • Security: We protect you, and your credit score. All of the lenders that we partner with are FCA regulated, and held to the highest possible standards, so you know that you’re in good hands.
  • Convenience: Having bad credit shouldn’t have to make searching for a loan a massive headache. Our system takes the stress out of finding the money you need, no matter what your credit score looks like.

Quick Questions on Bad Credit Payday Loans

Q: What is a payday loan?

A payday loan is a form of short-term lending solution. It used to be that you would pay these loans back on your next payday. However, with WageDayAdvance, you can set the term of your loan anywhere between 3 and 36 months.

Q: Do I need good credit to get a payday loan?

Payday loan providers, like our approved lenders, are often much more flexible about who they will work with. There’s less risk involved with the lender, so approval is usually easier. We take the worry out of applying for a loan with bad credit by ensuring that we can link you straight to a lender that supports bad credit lending.

Q: Do I need to speak to someone?

No, our WageDayAdvance brokerage system works online. Just enter your details into the application form, and the automated system will do the work for you. There’s no need to schedule any time-consuming meetings with financial advisors.

Q: Do I need a credit check with payday loans?

Yes, all lenders must conduct a credit check to ensure that you are eligible for a loan. Our regulated lenders will always check your credit after a full application is made. However, WageDayAdvance’s brokerage system only uses a soft check to determine which lenders we should match you to.

Q: How much can I borrow with bad credit?

This all depends on your situation. The lender that offers you your loan will determine how much you can borrow. We can match you to lenders offering between £100 and £5,000, so there’s plenty of opportunities to find the right solution for your needs.

Q: Can I get my money straight away?

Payday loans are usually very fast. Our trustworthy lenders aim to get you the money you need as quickly as possible, so you can deal with emergencies in a stress-free way. You might even be able to get your loan on the same day you make your application.

Do You Need a Bad Credit Payday Loan?

A bad credit history shouldn’t stop you from getting the money you need to deal with last-minute expenses and emergencies. At WageDayAdvance, we understand how debilitating that poor credit score can be, which is why we’ve found a way to make applying for credit easier.

Our simple and effective brokerage system will match you to the lender that’s best suited to your situation, so you can get yourself back on track in no time.

More FAQ’s

Will I need to repay the funds on my next payday?

All of the loans offered by WageDayAdvance can be repaid in as little as 1 month right through to 36 months (3 years). You can choose your desired loan term during the application process.

I currently have a payday loan elsewhere. Will that affect my chance of approval?

Accpetance and approval are primarily determined by your credit score and monthly affordability i.e. if you have surplus income after expenditure.

I have a very bad credit score, is there still a chance I’ll be approved?

Our lenders look at affordability as the primary factor in determining creditworthiness but all decisions are made at the lender’s discretion. You can still apply even with very bad credit.