Payday Loans With No Credit History

£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.

Regardless of your credit status, you can still apply for fast cash.

Credit is an incredibly fickle thing, and something a lot of people have trouble with – particularly in today’s unpredictable world. When you’re in need of some extra cash, it’s common to wish for a lender who could look beyond your credit score.

On their own, payday loans are often easier to acquire today than most other forms of personal lending, because the lender isn’t taking on as much risk with a short-term loan. However, lending providers still need to consider your financial situation to ensure you’re getting the right deal.

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.

Here’s what you need to know about getting the payday loan you need when your credit score isn’t as great as you might like.

Can You Get a Guaranteed Payday Loan?

There are a range of issues that could lead someone to searching for a Payday loan, no credit check. Maybe you’ve got a sudden bill you need to pay, or there’s an emergency in your life that requires some financial assistance. In a chaotic situation like that, it’d be nice to have the guarantee of being approved for the loan you need.

Unfortunately, it’s impossible to guarantee a loan, no matter how big or how small. That’s because the Financial Conduct Authority (FCA) in the UK holds lenders to a specific standard. The FCA demands all lenders check the credit of the customers they’re giving money to before they agree to provide a loan. This might seem like a headache when you don’t have the best credit score – but it’s actually a good thing. It means you don’t end up in a dangerous position with an unscrupulous lender.

So, what are you supposed to do if you need a loan fast, but you don’t have the best credit score? Fortunately, though every company will need to consider your credit rating, they don’t have to base their entire decision on whether that score is good or bad.

Here at WageDayAdvance, we partner with a range of payday lenders approved by the FCA, who are willing to provide credit to people without the best score.

Can You Improve Your Chances Being Approved for a Loan?

Credit ratings are an often unfair insight into a person’s history. They feel unfair to us consumers because they focus heavily on any mistakes we’ve made. While it takes months of careful spending to make the slightest positive impact on your credit score, a single mistake or missed payment can ruin your credit rating, and your chances of future loans.

At WageDayAdvance, we believe that your financial past shouldn’t have to haunt you. By working with flexible and reputable lenders from across the UK, we can provide modern consumers with a range of lending products to suit different needs. This includes offering access to payday loans specifically for people with bad credit.

Applying for a payday loan can improve your chances of being approved initially if you have bad credit because you’re only borrowing a limited amount of money for a short period of time. Partnering with WageDayAdvance to find the right lender for your needs improves your chances even more, by giving you direct access to the lenders most likely to approve you. Obviously, no loan is guaranteed but via our brokerage system, a match is highly likely.

We use our intelligent algorithm to automatically match your loan application to the lender most suited to your needs. This means you can find UK lenders more likely to overlook a bad credit score, as well as filtering your options by the amount you want to borrow, and how long you want the term to last. With our help, you can skip the headache of having to apply for a range of different payday loan options and wait with bated breath to see if you’re rejected.

Don’t Take Risks with Loan Applications

When you’re dealing with a sudden financial emergency, it’s tempting to apply to as many direct lenders or brokers as possible, in the hope that someone will overlook your credit issues. However, this can cause even more damage to your score. Every time you apply for a loan, it leaves a mark on your credit report that other lenders can see. The more applications you make, the more desperate you’ll look, and the more likely lenders will be to avoid you.

What’s more, every lender who conducts a hard check on your credit score is having a negative impact on your rating, making it harder and harder to get the cash you need. Since you can’t simply bypass the credit check involved with applying for a loan, the best way to protect yourself, and boost your chances of a successful application, is to get the right help.

At WageDayAdvance, we make it quick, easy, and safe to apply for a payday loan with bad credit. You can fill out our online form in a couple of seconds, and we’ll use that information to match you to lenders most likely to approve your application. Because we only conduct a soft credit check, there’s no impact on your credit score. There are also no fees.

Is a Payday Loan Right For You?

There are many kinds of different loans available for consumers today, regardless of whether you have poor credit or not. Knowing what you need before you make your application will help to ensure you get accepted. Payday loans are often the best option if you:

  • Need money fast: Often recommended for emergency situations, payday loans can be paid into your account quickly, sometimes in an instant, so you can pay off expenses fast. Here at WageDayAdvance, we pay with speedy lenders who can deliver the money you need into your account on the same day in some cases. This is ideal for those unexpected emergencies.
  • Don’t want to be in debt for long: If you want to borrow money and pay it back as quickly as possible, a payday loan will allow you to return the cash you’ve borrowed fast, so you can move on with your life. This is also an excellent way to start building up your credit score again, so you have more opportunities in future.
  • Don’t want to explain your spending: Unlike car finance and other loan types, payday loans aren’t specifically earmarked for any kind of spending. You can use the cash to replace your car tires, deal with an unexpected bill, or just handle some household expenses. There’s no limit on what you can use the money for making them ideal for short term periods of 6 months to 12 months.
  • Haven’t got the best credit: Because payday loans are short-term lending options, they’re more likely to be approved for people with bad credit. That’s because your lender isn’t taking on as much risk by giving you the cash you need.
  • Only need to borrow a small amount: While the amount you can borrow with a payday loan can vary, they’re usually intended for borrowing small amounts of cash, somewhere between a few hundred or a couple of thousand pounds.

FAQ’s Related to Payday Loans

Q: Does every loan require a credit check?

If you’re applying for a loan in the UK, the Financial Conduct Authority requires every online loan provider to check your credit and ensure you can afford the lending costs. This helps to protect you from getting into dangerous situations with your money. We only work with FCA approved lenders at WageDayAdvance, to keep your best interests in mind.

Q: Can I still get a loan with bad credit?

Absolutely, even very bad credit doesn’t have to stop you from getting a loan. Here at WageDayAdvance, we work with a wide variety of lenders to ensure we can deliver the cash you need, regardless of your situation. We’ll do everything we can to help you – even if you don’t have the best credit.

Q: Can I improve my chances of being approved?

We’ll do the hard work for you, by making sure we match your application to the credit brokers and lenders most likely to approve you. All you need to do is choose the lender that suits your needs. Make sure you provide any extra information your potential lender asks for, to make the experience as smooth as possible.

Q: How much can I borrow with a payday loan?

The amount you can borrow with your payday loan will depend on a few factors, including who you’re lending from, and the term of your loan. You’ll be offered a loan based on your situation and application. Most payday loans range between £100 and £5000.

Q: Do I have to pay the loan back on my payday?

Not necessarily. While some payday loans can last for only a month, others continue for several months, giving you more scope to pay back what you owe in your own time. You can make requests about term times when making your application.

Q: How do I check my credit?

There are plenty of credit check websites available today that allow you to check your credit score for free. Make sure you check that your credit check won’t leave a mark on your file, and don’t pay for your credit score. Knowing your score in advance can have many benefits.

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.

Can I Improve My Credit Score?

You can definitely improve your credit score over time by working on paying your bills on time, making sure you’re on the Electoral Roll, and generally improving your financial health. However, it does take a while before you’ll begin to see an impact on your credit opportunities. Sometimes the best way to improve your credit score is to show you can pay off a loan according to the guidelines you’ve already agreed to. This will definitely lead to a higher approval rating.

Come and find out whether we can help you to get a payday loan without any unnecessary worries about credit scores.

* In order to determine loan eligibility, a soft search will be performed during the application process. This will not leave a footprint on your credit file. Should you decide to go ahead with the loan offered to you, the lender will perform a full credit check.

More FAQ’s

Can I get a payday loan without a credit check?

All FCA approved lenders practice responsible lending and a credit check must be performed on all loan applicants. This is to protect you as well as the lender.

How long until I get approved?

Upon submission of the loan application form, it takes around 2 minutes to find you a lender and report back a decision on your approval. You can then choose to accept the agreement instantly.

Can I get the money sent to me today?

Most of the lenders we are partnered with transfer the loan funds within the same business day. Some transfers are processed on the following working day if you apply in the evening or over the weekend.