Payday loans bad credit

£100 to £5,000 paid out by 6:39am *

Fast 3 to 36 month loans.

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Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Loan amount subject to lender's requirements and approval. *Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Payday loans with bad credit

One of the most popular types of short term loan is payday loans for bad credit. Designed to help people with less than perfect credit histories, these loans feature much more accessible criteria; meaning they are often significantly easier to be approved for. Payday loans for bad credit work exactly the same way as traditional payday loans. Frequently for sums less than £1,000, these loans often also feature a short repayment period. Depending on the direct lender, the repayment terms can range from 1 month, up to 12 months, depending on the amount that you wish to borrow.

As with all such loans, bad credit payday loans are available completely online. From your initial application to having the money sent to your bank account, it is likely that you won’t need to speak to anyone or fill in any paperwork. The whole process has become extremely fast, with direct lenders providing instant online decisions and sending the money to your bank account within just 15 minutes* of your application being approved.

As our process is 100% online, you can apply 24 hours a day, 365 days a year and are not restricted to bank opening hours. Whether you apply through your computer, tablet or smartphone, we will always be available to help, no matter what your circumstances.

If you want to apply for a payday loan for bad credit, you can try our Eligibility Checker. This is 100% free to use and allows you to narrow down which direct lenders are the most likely to approve your application. Our fantastic technology means that you can check if you are likely to be approved by a lender before you make a full application. Even better, we do this without leaving any footprint on your credit file. This means you can get the confidence to apply, knowing we are finding you the very best payday loans on the market without you needing to submit multiple applications to multiple lenders. This is a great time saver and helps you get approved quickly and have the money sent to your account as quickly as possible.

£13per month

The approximate interest for borrowing £100

CashUpJar is an authorised and regulated credit broker – not a lender: Rates between 9.3% APRand 1294% APR – your no obligation quote and APR will be based on your personal circumstances – we compare short-term loans from over 50 lenders to get you the best APR possible for you. Loan term lengths from 3 to 36 months.

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Eligibility Check

How much can I apply for if I have bad credit

All of the direct lenders on our extensive lender panel are slightly different, offering slightly different terms. That means we have a great range of products that are available to you. You can apply for loans from £100 right up to £5,000. You can even spread your repayments from 3 to 36 months. This gives you great flexibility in finding a short term loan that fits your budget. Whether you are looking to borrow money for just a few weeks or looking to consolidate debt or make a large purchase, CashUpJar can help. Just complete our online application to get an instant decision for your payday loan for bad credit.

In the UK, all lenders and credit brokers are regulated by The Financial Conduct Authority (FCA). It is a requirement of the FCA that lenders and brokers when assessing an application, use all relevant information available to them to ascertain whether a customer should be approved for credit. This means completing a credit check, as well as full affordability and income checks. Lenders offering payday loan for bad credit have more flexible criteria when it comes to the types of customers that they will accept. So even if you have very bad credit, we are best placed to help you find a short term loan.


All of our lender partners use ‘Soft Search’ technology, which means when you apply for a bad credit payday loan through CashUpJar, your credit rating will not be impacted in any way. Once you decide to accept the loan offer from a lender, they will then perform a full credit check, with your permission. Remember, there is no such thing as a no credit check payday loan.

Unfortunately, there is no such thing as a guaranteed payday loan. As explained previously, all direct lenders have to perform a credit check before approving an application for a short term loan.

If you are struggling to keep u with your repayments, it is important not to ignore the situation. The direct lenders that you have credit with will try to help you if you make them aware of your situation. The worst thing you could do is struggle and do nothing as missing, or being late with payments can impact your credit score and you will be charged late fees and extra interest.

There are various charitable organisations who can assist people who are struggling with their debts. We have provided links to three such organisations below

moneyadviceservice.org.uk
stepchange.org
nationaldebtline.org

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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Apply for £100 - £5,000 in 60 Seconds
  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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