Guaranteed Payday Loans – Do they exist?

£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.

Imagine how great it would be to access guaranteed payday loans whenever you need them?

Payday loans can be a valuable tool for people dealing with a sudden emergency or difficult situation. If you’re hit with a bill you didn’t expect, or you suddenly have to replace your dishwasher, it would be nice to know you don’t have to worry about being rejected when you request a payday loan.

Unfortunately, there aren’t any guarantees in the world of loans and lending. However, at WageDayAdvance, we get you as close as we can. Our strategy for pairing lenders with borrowers ensures that you can avoid wasting time on loan applications that won’t lead anywhere.

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.

We partner with fully reputable FCA-approved lenders to deliver all kinds of lending opportunities to all kind of borrowers. Whether you need your money immediately, want a specific term, or just need help handling bad credit, we can help.

Why Would You Need a Guaranteed Payday Loan?

Guarantees are nice to have, they give you peace of mind during difficult situations. Having a guarantee on your washing machine means that (Within a set period of time), you don’t have to worry about getting it repaired. A guaranteed payday loan, in theory, would ensure you don’t have any anxieties to deal with when you need to borrow money fast.

So, why can’t UK lenders offer guaranteed loans? Simply put, all lenders have to evaluate your situation individually before offering you a loan. On the plus side, this means FCA-approved lenders will always consider your unique circumstances, to give you the kind of lending experience you can trust. Unfortunately, this also means it’s hard to guarantee you’ll walk away with the money you want. That’s where we come in.

Though a guarantee might not be possible, we can ensure you have the best possible chance of getting the payday loan you need, when you need it most. This means helping to connect you with companies who specialize in supporting people with bad credit, specific needs, and unique circumstances.

Because we partner with a range of lenders, it means we can offer a more versatile selecting of borrowing options for our customers.

Can you Get a UK Payday loan with bad credit?

The biggest worry most people have when it comes to being approved for any kind of loan, is that they might not have the best credit score to win their lender over. After all, the Financial Conduct Authority requires all approved lenders to check a customer’s credit rating before offering a loan.

The reason direct lenders and brokers check your rating is to make sure you can afford to pay back the money you borrow. Unfortunately, some lenders focus too heavily on credit scores, rather than looking at the actual situation of the person who wants to borrow money.

Credit scores can be extremely tricky things. It takes years to build up a good credit score – and decades to build a score that’s excellent. However, one simple mistake over the course of a bad week could pull your rating back down to nothing. Once you’ve had an issue with your finances, recovering your credit score isn’t easy.

Fortunately, this doesn’t mean you can’t get credit when you need it most. Payday loans are generally a lot more flexible when it comes to offering credit to different kinds of customers. Some of the biggest benefits of payday loans include:

  • Higher rates of acceptance: Because you’re only borrowing a small amount of money for a short period of time, you’ll have a higher chance of being approved. People taking out payday loans aren’t seen as a high risk, so you’re more likely to get the money you need.
  • Simple applications: Most payday loan providers, including the lenders we partner with at WageDayAdvance, will accept applications online, so you don’t have to worry about making an appointment or calling a company just to sit on hold for hours.
  • Flexibility: Payday loans don’t require you to spend your money on any specific thing. While these loan types are intended for emergencies, you can decide what you want to spend them on. This might include fixing your car or paying household bills.
  • Quick access to cash: Payday loans are delivered into your account fast, sometimes within the same day. Plus, you can pay back what you owe quickly, which means you spend less time worrying about paying a specific amount each month.
  • Transparent terms: If you find your lender with the help of WageDayAdvance, you can rest assured you’ll get a transparent service from a reputable lender. There are no hidden fees and extra costs to worry about. Everything you need to know is laid out up-front.

How Can You Improve Your Chances of a Payday Loan?

Since no loans are guaranteed, the best thing you can do is improve your chances of getting the cash you need. Fortunately, with WageDayAdvance, that couldn’t be easier. We do the hard work for you, so you can simply choose the loan provider that’s best for your needs.

With WageDayAdvance, you don’t have to seek out online loan providers yourself and worse damaging your credit even more by making multiple applications. Instead, you fill out one application form with us, and we use that information to connect you with lenders most likely to approve someone in your situation. Because we only use soft credit checks to find the right lenders for you, there’s no negative impact on your credit rating.

Our service connects you to the FCA approved lenders most comfortable working with people in your situations. We’ll help you to find a provider who can look beyond bad credit and support the terms and loan amounts that make the most sense for you.

Guaranteed Payday Loan FAQ

Q: Can I get a guaranteed payday loan?

Guaranteed loans just aren’t an option, because every lender needs to consider the unique needs of each borrower. However, you can improve your chances of getting the loan you need by using a service like WageDayAdvance. We do the hard work of finding someone to approve your loan, so you can get the cash you need.

Q: Will I have to get a credit check for a payday loan?

Although payday loan providers are generally less concerned with your credit rating than other loan providers, they still need to check your credit score. Fortunately, by pairing you with a lender willing to look beyond bad credit scores, we can ensure your credit rating won’t hold you back. There are also no fees associated with our brokerage service.

Q: How quickly can I get a payday loan?

Many of our partner lenders can offer payment within the same day, or next day, to help you get your life back on track as quickly as possible. The speed with which you get your loan will depend on a number of factors, including the policy of your lender.

Q: How much can I borrow?

The amount you can borrow from a payday lender will depend on your situation, the lender, and a range of other factors. Most of the time, these loans are available for between £100 and £5000. The terms available for your loan will be described to you when you’re offered the lending opportunity.

Q: Can I get a loan with bad credit?

Bad credit can make loans difficult to get in any environment. However, with WageDayAdvance, you can be matched in an instant to a loan provider capable of supporting your specific needs. We’ll help to improve your chances of getting a loan quickly, for any reason.

Q: Are payday loans safe?

Although not guaranteed, payday loans are safe, provided you’re borrowing from an FCA-approved lender. Here at WageDayAdvance, we only partner with approved lending providers, so you can rest assured you’ll always get a high-quality experience.

Q: Can I improve my chances of a guaranteed loan?

Again, even with the best credit score and a fantastic reason for your loan, you won’t be guaranteed to get the money you ask for. However, you can improve your chances of approval in a range of different ways. Working with a company like WageDayAdvance will improve your chances of finding the right lender. You can also work on improving your credit score by signing up for the electoral roll and making sure you pay your bills on time.

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.

Get Your Payday Loan Today

Few things in life are a guarantee. Fortunately, that doesn’t mean you’re out of luck when it comes to borrowing money with a payday loan. At WageDayAdvance, we’ll make sure you have the best chance of getting the money you need fast, so you can get your life back on track fast!

Once you’ve applied with our simple system, you can skip the headaches involved with finding the right loan provider and jump straight to overcoming your financial issues. This way, you can even protect your credit score and give it a better chance of growing, by making sure you don’t apply for too many loans at once.

Why not see if you can get an (almost) guaranteed payday loan today?

More FAQ’s

Can you guarantee that I am approved?

Whilst no payday loan is strictly guaranteed, we do boast an above average acceptance rate. We’re partnered with multiple lenders who consider affordability the primary indicator of creditworthiness. So if you have a regular income, there is a high chance you will be approved.

Are the guaranteed payday loans delivered instantly?

If you get approved for a payday loan, you will receive an instant on-screen notification. You will then be given the loan terms for review. This will outline how much you’re borrowing, how much needs to be repaid and when. The lender you are matched with will then distribute the funds.

Does applying guarantee me a loan?

You will only be guaranteed a payday loan if you apply and get approved. Our lenders take lots of different factors into consideration when considering acceptance and most exist to assist those with bad or poor credit.