No Refusal Payday Loans UK Direct Lenders

£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.

You have perhaps heard of no refusal payday loans? But do they truly exist?

The phrase no refusal can be interpreted in different ways. Those seeking out loans of this nature may be looking for a guaranteed loan of sorts. Whereas some might simply be looking for the opportunity to have their application considered.

The truth is, no reputable FCA licensed lender can offer a no refusal payday loan as affordability checks must be performed on all applicants. This applies to both direct lenders and brokers. Without such a check, people would be given loans they simply cannot afford to repay. This will lead to a situation that is no good for either party.

That is why all the direct lenders we partner with practise responsible lending. And will only borrow money to those who can afford to repay it.

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.

At Wage Day Advance, we consider all applications from those who meet our eligibility criteria. Regardless of credit score or history. So whilst we cannot offer you a no refusal or guaranteed loan, we can guarantee that your application will be at least considered. And not outright refused due to bad credit.

Is a no refusal payday loan possible with bad credit?

You can apply for a loan with bad credit and all credit scores and ratings and considered here at Wage Day Advance. However, it is impossible for any of our direct lender partners to offer a no refusal loan. This is because affordability checks must be performed on all applicants. And it goes without saying that some applicants will not meet our eligibility criteria, and some will simply not be able to afford the loan repayments.

With that said however, we boast a high acceptance and approval rating and are often able to match and applicant with a lender. Even if the applicant does have a poor or low credit score. So whist we cannot guarantee “no approval”, we will endeavour to match you successfully.

Does Wage Day Advance offer no credit check loans?

All applicants who apply for a payday loan via our site will have a soft search performed on them. This is not a full credit search that will leave a lasting mark and potentially lower your credit score. Instead, it is more of a basic check to make sure you will be able to afford to repay the loan. And to check that you are eligible to apply in the first place.

FCA licensed lenders must carry out a search of this nature on all applicants. No authorised lender can offer no credit check loans. This would be highly irresponsible. Basic credit checks are required to protect both the applicant as well as the lender. And it is better for all parties if the loan agreement is affordable.

Will a direct lender offer no refusal payday loans if a broker cannot?

A loan broker such as Wage Day Advance simply refers an applicant to a direct lender. And it is those that will carry out the required affordability and identification checks. Loan brokers do not offer loans directly, so it makes no real difference which route you go down. And who you ultimately submit your application to.

In the case of no refusal payday loans, no lender can truly offer this as there are always scenarios that arise which may lead to a refusal. Not being able to afford the loan repayments being a common one. In addition, not meeting eligibility criteria such as living abroad, being underage or even being unemployed.

And whilst some believe going direct to a lender will increase their likelihood of being approved, we find the opposite to be true. This is simply because a broker can yield more considerations of your application than a single lender.

Our Loan Application and Approval Process

At Wage Day Advance, we take great pride in providing quick and easy access to short term finance. Below, we’ll outline our application process from applying online right through to the funds landing in your bank account. Often on the same day you apply!

Applying Online – It Takes 2 Minutes!

You can access our online application form here. As you will see, it only requests the most basic information about yourself, your income, and your employment. The application form has been designed to cover everything we need to know to determine if you’re eligible for a payday loan. It can be completed in under 2 minutes.

Affordability Check & Soft Search

Upon submission of your application, the direct lender you are matched with will perform an affordability check and soft search. This will be used to confirm that all the personal information you have entered in the application form is correct. And that your income and outgoings are adequate to sufficiently service the loan and term you’re requesting.

Approval and Agreement Acceptance

Once approved, you will be presented with a breakdown of the details of the loan agreement. This will include but not limited to: –

  • Total amount repayable.
  • Monthly repayment amounts.
  • Overall term of the loan (X months).
  • Total interest payable.
  • Cancellation instructions.
  • Details of the direct lender facilitating your loan.
  • The terms and conditions of your loan agreement.

In addition, you will be presented with the option of approving or declining the loan offer. At this point you are under no obligation to accept the loan offer.

Same Day Bank Transfers

Upon acceptance of the loan agreement, the lender will transfer the funds directly into your current account. This is the same account specified during the application process. Transfers are typically initiated immediately after acceptance, but please allow consideration for bank processing times. Both your bank and that of the lender.

Loans applied for Monday – Friday during regular working hours are often sent and received same day. However, if you apply during the evening, weekend or on a bank holiday, you may not receive the funds until the following working day.

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.

Do no refusal payday loans from direct lenders really exist?

All direct lenders will have their own set of eligibility and affordability requirements. So it is therefore it’s impossible for a no refusal payday loan product to truly exist. There are clearly going to be scenarios where an applicant doesn’t make the cut.

With that said however, there are a wealth of lenders out there who do cater for those with a less than perfect credit score. Such as the ones we’re partnered with at Wage Day Advance.

So whilst no refusal is perhaps out of the question, acceptance can still be highly likely. If you’re able to meet the necessary affordability requirements.

How does a guaranteed payday loan differ from a no refusal payday loan?

Typically, they are one of the same. Not being refused for a loan would equate to the loan being guaranteed. Lenders often use this terminology when talking about the acceptance of an application versus the actual loan itself. Most payday lenders will accept applications from all applicants, regardless of a bad credit history. However, they will still need to perform adequate checks to make sure they are lending responsibly.

How can payday lenders accept everyone without refusal?

No lender can accept everyone for a loan without refusal. Aside from being highly irresponsible, it would simply be bad for business. A loan agreement requires both parties to act honestly, responsibly and deliver on what they say they will. Handing out loans to applicants who cannot afford the repayments is a sure fire way to go out of business from a lender perspective. And cause no end of issues for the borrower. It’s a lose/lose situation for all parties involved. This is why lenders adopt responsible lending strategies to ensure both themselves and their customers are protected.

Why Use Wage Day Advance

We like to think our overall reputation, fair treatment of customers, affordable loan rates and no fuss application process are the reasons customers keep coming back. But in truth, there are many great reasons to use a reputable, well-known brand such as Wage Day Advance. Here are just a few of them!

  • Flexible borrowing – £100 – £5,000.
  • A range of loan terms, 3 months – 3 years.
  • Well known, established brand.
  • Instant, on screen decisions.
  • Fast application process.
  • Responsible lending.
  • Fair treatment of customers.
  • Transparent terms and conditions.
  • Same day fund transfers.

Our Eligibility Requirements

To be eligible for a loan via all our UK based direct lending partners, you must meet all the following criteria. You will find this criterion applies to all our other loan products also. And remember, a soft credit search will be performed on each applicant. So be honest and accurate when considering your eligibility.

To apply for a loan via Wage Day Advance, you must: –

  • Be at least 18 years old.
  • Permanently reside in the United Kingdom.
  • Have a regular source of income (this can be from benefits or pensions also).
  • Maintain a UK bank account that your income is paid into.
  • Have a UK postal address and phone number.

Quick FAQs on No Refusal Payday Loans

Q: Does Wage Day Advance offer payday loans with no refusal?

In short, no. First and foremost, Wage Day Advance is a broker, not a direct lender and therefore does not offer loans directly. Secondly, all the UK based lenders we partner with perform checks on all our applicants to determine eligibility and affordability. And whilst we do boast an above average acceptance rate, there are some cases of applications being refused. This however is seldom due to the applicant’s credit record, but more so their inability to meet the loan repayment requirements.

Q: Is Wage Day Advance a direct lender?

No, we’re a licensed credit broker who partner with over 50 reputable, UK based direct payday lenders. Our system allows applications to be considered by all eligible lenders at once. This typically yields a higher acceptance rate than applying with a single lender directly.

Q: Will a credit check need to be performed on a no refusal loan?

A formal/hard credit search will not be performed on any of our applicants, however; a soft search and affordability check will. Checks of this nature are primarily to determine that you are who you say you are. And that you have the necessary income to service the loan repayments. They do not leave a lasting mark on your credit report.

Q: Are the loans you offer guaranteed?

There is no such thing as a guaranteed payday loan as unfortunately, some applicants will fail to meet our eligibility criteria. However, if a loan offer is presented to you then that amount is the guaranteed amount you will receive. Should you choose to accept the agreement.

Q: I suffer from bad credit; can I still apply?

Yes, our lending partners cater for those who have a bad credit score. Affordability is the primary consideration. So if you have an income surplus that would allow you to service a given loan, then your chances of getting approved are elevated. Regardless of your credit score or history. Applicants with bad credit and welcome to apply providing they meet all our eligibility requirements.

Q: Will a formal credit check be performed during the application?

Our lending partners will perform what is known as a soft search on all applicants. A search of this nature is used to determine that you have the surplus income at your disposal. And that income is sufficient to service a loan for its full term. And that you meet the core eligibility requirements. Think of it more as an affordability and identity validation check as opposed to a traditional credit search. A search of this nature will not leave a lasting record on your report.

Direct Lenders and Their Acceptance Rates

The direct lenders we partner with at Wage Day Advance have varying acceptance rates. Often based on a range of factors. Affordability is of utmost importance for all lenders given each practise responsible lending. And vigorously adhere to the guidelines on such. So whilst historic credit arrangements do come into consideration, it’s seldom a defining factor.

In addition, our brokerage system will endeavour to match you with a lender that meets your requirements. This will not be based solely on the amount you wish to borrow, term and purpose. It will also consider your personal situation such as your income (total and payment frequency), employment type, current outgoings, and other credit agreements you may currently have in place.