Historically, getting any loan with bad credit was very difficult. However, there are now lots of lenders in the UK that specialise in lending to people with bad credit. The increased options for people with poor credit mean they have more options at their disposal. Payday UK works closely with our panel of direct lenders to ensure they look beyond a person’s credit history and instead consider their current circumstances and ability to repay a loan.

Even applicants that have missed multiple payments, been declared bankrupt, or have a CCJ will be considered. Our brokers direct lenders that specialise in bad credit loans will provide an instant decision for those with bad credit, whether unsecured loans or guarantor loans.