Borrow £100 to £5,000
over 3 to 36 months

Not sure if you'll be accepted?

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Payday loans bad credit

£100 to £5,000 loans available online

3 to 36 month terms.

Will you be approved?
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


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

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.

Bad credit payday loan questions:

Q1 – Can I apply for a bad credit payday loan online?
Q2 – Will I be approved for a payday loan with bad credit?
Q3 – How much can I apply for if I have bad credit?
Q4 – Can I get a loan with no credit check?
Q5 – Can I get a guaranteed payday loan?
Q6 – Will I find a direct lender if I have bad credit?

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 on the same day that your application is 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, our broker partner, will always be available to help, no matter what your circumstances.

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This will not affect your credit score.

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, our broker partner’s panel of lenders do this without leaving any footprint on your credit file. This means you can get the confidence to apply, knowing they 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.
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This will not affect your credit score.

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How much can I apply for if I have bad credit?

All of the direct lenders on our broker partner’s extensive lender panel are slightly different, offering slightly different terms. That means they 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, CUJ Loans can help. Just complete our online application to get an instant decision for your payday loan for bad credit.

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This will not affect your credit score.

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 the lenders on our broker partner’s panel use ‘Soft Search’ technology, which means when you apply for a bad credit payday loan through CUJ Loans, 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.

Get Your Loan Quote
This will not affect your credit score.

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.
Get Your Loan Quote
This will not affect your credit score.

If you are struggling to keep up 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

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This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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