Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit



N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment



N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

Bad Credit Payday Loans Direct Lenders No Credit Check

Bad credit payday loans with direct lenders and no credit check is a type of loan which has helped many people get out of tough financial predicaments. Unfortunately, having a bad credit score can severely limit people from obtaining money in future. Some people get bad credit because of poor decisions they have made, and others were in an unlucky situation where it was virtually unavoidable. Regardless of the reason, the banks and credit unions don’t care. If you have a bad credit score, you are nothing to them, and they won’t be helping you out. This is why you need to go through a lender who specialises in bad credit loans so that you can get access to the funds that you desperately need now.

  • Bad Credit Payday Loan

There are an untold number of lenders that are still willing to deal with those that have bad credit. We will find the best lender to suit your individual requirements regardless of what they are.

  • Payday Loans Direct Lenders

Direct lenders use their own money to lend, this means that they can avoid brokers cutting out the intermediates making it faster and simpler to acquire the funding your looking for.

  • Payday Loan No Credit Check

All UK lenders are required by law to look at your financial history before they make a decision on your application. The best thing to find are those lenders that do not put much stock in the report and instead base their decision on income and other factors.

  • Bad Credit Direct Lender UK

All lenders in the UK have to follow strict legislation and rules that protect you as the costumer. This means that it is always best to get a payday loan from a UK company for peace of mind that you are the safest you can be.

  • Direct Lender No Credit Check

A lender that is willing to overlook the results of the report is taking higher risk with the agreement, as a result of this you should expect higher rates than you may find with other companies that would refuse you due to a low score.

Bad Credit Payday Loans Direct Lenders No Credit Check Available Amounts

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Payday Loans
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Payday Loans
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Direct Lenders

So What Are Bad Credit Payday Loans Direct Lenders No Credit Check?

A bad credit payday loan is for people who have bad credit and can make repayments out of their pay cheque. They get repaid on your next payday from your job which is how it gets its name, they are typically a short-term loan. If you are looking for a longer lasting plan you need to visit Long Term Loans instead. A direct lender is a company or individual who is issuing you with the funds, and the money comes directly from them. This means that they don’t act as an intermediary or affiliate for another organisation, so you are dealing directly with the source of your loan. There are no credit checks involved, but you may have to provide a cheque as collateral to the lender or electronic access to your bank account such as a direct debit.

When Would I Need To Get This Type of Loan?

There are so many situations that could arise which would require you to have funds available, it’s simply crazy how many possibilities there are. Her a but a few examples of how a bad credit payday finance plan with no credit check from a direct lender could be used for; emergency repairs to your home or vehicle, a surprise medical bill like dentistry work, paying off a bill you forgot about, the list is endless. You may not have the money just lying around, and a bank won’t help you out because of your credit score, so you need to look into a bad credit payday loan. Fortunately, this type of loan enables you to get cash fast, and all you have to do is pay it back the next time you get paid from work. There is no need to worry about what you are going to do next time something unexpected arises.

Should I Get One?

If you need quick access to cash and have a bad credit score, then you already know the banks don’t care about you and won’t help you. This means you have to act now and secure the funds you need to get yourself out of the predicament you are in. These types of loans are typically for a few hundred pounds as they are based on the next time you get paid, and that’s where the repayment will come from. A few hundred can go a long way as you probably know and that emergency repair or bill you forgot about can be taken care of and you can then move on with your life. Don’t wait around for your situation to fix itself; you need to take action now so that your problems can go away and you can live an enjoyable life. Due to the small amount borrowed and the low term period you are taking a very low level of risk.

Check Your Eligibility

To apply for a bad credit payday loan direct lender no credit check finance plan, you must fulfill the eligibility criteria. You must be aged 18 years or above and must have a valid UK bank account and address. You will need proof of employment and regular paychecks to agree on the payment day at the end of the month. When you apply for the loan through our quick and easy online form the application will be processed and a decision will be conveyed back to you very quickly.

The repayment should be done as per the terms and conditions. If you need more time to repay your loan, you should approach the customer care service immediately. The best option will be provided so that you can clear the loan without any issues. When you apply for loans through us as an agency, you will not incur any additional expenses. We will get commission from the lender so that you can use the service of a reputed provider with great ease and without the stress of searching for and comparing rates yourself. If the loan application is granted, the amount will be credited into your account immediately.

Bad Credit Payday Plans

Simply put, bad credit finance is a plan that is paid to a borrower that has either defaulted on a previous agreement or in rarer cases has been declared bankrupt. As you can imagine this will be reflected in your score and ability to get financed, portraying you in a negative light. Your history speaks a lot about your financial standing and creates an image of your monetary attitude and behaviour.
Bad credit history and record does not mean that it is impossible for you to borrow the money you require. unsecured loans with bad creditAll it means is that the number of lender that will offer you a contract are limited leaving you with fewer options to choose from.

It may seem like an uphill struggle with no end in site but it is possible to improve your score and remove the negative impression you have with the economic world. It is, however, very possible to do this over time and a great place to start is by getting a payday loan from a direct lender and fulfilling your contract as agreed. This will help your score a chunk at a time and before you know it you will be back on top. You may be thinking that you can’t do this due to the expectation of being refused and agreements because of your history but there are many direct lenders that will deal with people with a poor financial standing. Though you should expect to be offered higher APR than you would if your finance was perfect. Unfortunately, this means that the direct lenders are taking a much higher level of risk by dealing with costumers of this kind and as a result it is reflected through the interest rates.

However, with the right research and by finding the finance that is the best suits to your unique circumstances, you can avoid paying a sky-high premium rate and still find cash at a rate that will suit you. It’s all a matter of how you will be able to shake off the negative credit impression and shape up on how you handle your finances. So as mentioned, a bad credit payday loan no credit check direct lender is perfect for those looking to make a quick dent in their negative history while paying for something unexpected or even just to splurge on something that has caught your eye while it is still available. Regardless of what your needs are, we will be able to find you the perfect finance plan to suit you. If you think a payday plan is to short term for you or doesn’t cover the amount that you were looking to get the a bad credit loans no credit check direct lender finance plan might be a better area for you to look into.

“Is It Possible To Improve My Chances Of Being Approved?”

This is the most common question we are asked by people applying for a bad credit loan no credit check direct lender and it is very much possible to improve your chances. There are several things you can do to help you through the application stage and make sure your agreement is funded in full, we have listed some of the options below.

With applying, you must come prepared. Make sure you have all the relevant proofs of income available to hand. Keep everything organized. Armed with your financial documents, you must be ready for any questions and be able to convey the right message and get a “Yes!”

Secure your payments against property. A little disclaimer here personally this isn’t something I like to suggest people do as this will put your home at risk should you fail to make your payments but it is an option and being that we are unbiased comparison service we must advise you of all options

Make sure you have all your outgoings including bank statements available. Bills and receipts will also come in handy for the process, giving lenders an idea on how stable your income flow is and if you would be able to afford loan repayments.

Your guarantor is someone with good credit standing that will vouch for you or guarantee your payments to the company on a monthly basis. Hence, by using a guarantor, you’ll increase your chances of approval and lenders will also be more confident to accept your payments.

Take a smaller amount to start – if borrowers only get a small amount at first from the company after a little while they may be able to raise the requests once a basis of trust has been formed. Chances are, they are more likely to lend to you again if you pay your dues on time each month. Lenders will be more confident with granting you another loan with much better terms if they see how responsible you are with repayments. On average, most lenders will look at what’s known as a top-up after six months of straight on-time payments. This means that with planning and patience you can get to the financial position you hope to be in after just a few months.

Can You Manage A Quick Advance With Online Application?

Everything is fast-paced nowadays. It’s a rat race and people are used to the speed. Waiting could be a drag and sometimes you need a quick response to an urgent matter, which is why a lot of people opt for online loan applications. It is true that you can purchase nearly any other kind goods and services online so why do loans bad credit payday loans need to be any different. Secure transactions are now made day-in and day-out because this is far more convenient and fast than going around town to shop for loan applications in different financial firms. There are various portals to purchase different kinds of items to fulfill your needs. Now, It is even easier to apply for a loan with an online application and the funds will reflect in your account in a few minutes. We use systems to certify that our online services are entirely secure so you details and accounts are completely safe within our services. To get very quick funds, there are relatively very few options. Payday guaranteed loan is a great option by which employees will manage credit instantly. Your security is your employment. With this type of loan, it is now possible to get funds without verifying your credit score.

Best Online Loans

Payday Loans No Credit Check Direct Lenders are a great option for many different circumstances, through which you will be able to make the most of your time, effort and money. Payday loans will be distributed immediately so that you will be greatly satisfied. Your personal needs can be met by applying online through our fast and simple application page. All transactions are made on the cloud which makes it very accessible, easy, and speedy. The loan will be granted without consideration of your bad credit score.

You can apply for loan from an FCA registered companies so that your personal details will not be shared with others. All of the lenders that we work with are completely legitimate FCA approved partners and all follow UK legislation to make sure that you are protected. The confidentiality clause helps to keep your financial and credit documents private and secure. There will not be any application fee and the decision will be conveyed immediately.

Shopping for the right lending company and products can be a long a painful process, but we will do all of that so you don’t have to. We will make the entire process as simple and easy as possible. Being realistic with your financial capacity to pay will provide you more options in terms and interest rates. In most cases however, when there are many lending options, it will be difficult to choose the best lender available in the market. Cutting through the noise can seem to be the real challenge when deciding on where to take out a loan. We will find the match that best suits you and your individual requirements so you can have peace of mind.

Bad Credit Payday Loans Direct Lender No Credit Check With No Restrictions

Payday Loans Online will be granted without any restrictions. Banks will go through your credit score and should need many forms of proof of income, scouring every inch of your financial history. When you go for payday loans no credit check direct lender, the verification will be done to figure out the authenticity of the information. Your location, employment, age, gender and other details will be verified. Even if you go through temporary unemployment, you will be able to apply for bad credit payday loans.
There are various reasons to apply for a payday loan no credit check. Some of the reasons include car repairs, rent, mortgage, unexpected utility bills, and sickness. You can apply for loan for short-term needs and you will not have to to provide the information about the purpose of funds, although sometimes it can help with the application.

You can speak to the customer care before applying for the loan so that all your queries will be answered. It is also possible to reach the support team through email or chat and your issues will be resolved immediately. By choosing the best payday loan, your financial difficulties can be overcome very quickly.

The loan application will be submitted online and the decision will be conveyed on the same day. In most of the cases, the confirmation will be provided in few minutes. The service is provided 24 hours a day and 365 days of the year. There are lenders who will grant up to £1000 for new customers without any issues. We will always do everything we can to make sure that you end up on the right plan for what you require.

Our Partners

We have formed relationships with various financial institutions based on our values and a shared passion for helping individuals when they need it the most. With our partners, we have spent years building a reputation based on trust and responsible lending while being completely open and honest with our clients.

The Process

Regardless of your credit history, we will consider your application. To apply, all you need to do is:

* Complete the form in under 60 seconds with the necessary information

* Submit your application form

* Using our custom-designed algorithm, we match your information with one of our accredited lenders

* One of our agents will contact you to let you know your loan has been approved

* Payment is made within 24 hours

Available Loans

As a one-stop service provider, we will do everything we can help you source a wide range of loans to suit your personal requirements including:

* Payday

* Car (Logbook)

* Long Term

* Short Term

* Guaranteed

Should you need assistance with anything that isn’t included on the application form, we ask that you get in touch with us. We are constantly growing and adding new products to our portfolio and will do our very best to help you with your query.

Our promise to you is that we will find the very best solution for you, with the least amount of stress. Our job is done only when we have found you the very best outcome to fit you and your needs.

Responsible Lenders

We take pride in being responsible and ethical money lenders. We want our clients to enjoy a fast and easy loan application process as much as possible which is why our experts will examine your submitted information to determine the best possible loan option, whether it is an unsecured loan or another type of loan product. After careful checking, our advisors will discuss to you how to move forward with your application. Our goal is mainly to provide utmost customer satisfaction in every step of the way. We will introduce and discuss various options in order to match you with the best loan provider for your personal circumstances.

We have a wealth of experience in assisting individuals to get through difficult times. We understand that each borrower’s story is different and recognize the stress felt by people when money urgently needed but there’s no one else to turn to. This is why we have teamed up with the most reputable loan providers in the UK. We aim to help every individual undergoing difficult financial times, so we will assess every application not just with our heads but also with our hearts. We aim to offer you the best financial solution that is not simply a quick, temporary fix, but improve your financial status in the long run.

About Us

As we are all to well aware, things in life rarely go as expected. We understand that nothing in life is certain and unfortunately, it is usually when you least expect it that unforeseen costs arise. Whether it’s a death in the family and you need to cover the costs of a funeral or you have to travel unexpectedly and need to purchase travel tickets. Perhaps it is as simple as a small window of opportunity for a smart investment but you don’t have the funds available to hand.

We specialise in unsecured loans and have been assisting thousands of clients that have found themselves in a similar position to you and many others around the UK. Our team of experts are on hand to tailor-make a lending plan that will suit your needs and your situation without placing you at more financial risk. At unsecuredloans4u it is what we are best at and we will make sure you get what you need out of any bad credit payday loan direct lender no credit check finance plan.

taking out a personal loan is a big responsibility and not something you should do on a whim, which is why we want you to take your time and consider all the possible options before you sign on the dotted line. Borrow only what you can afford to repay to avoid further problems in the future.

Just remember, we are here for you.

What can I do if I wish to complain?
Information about complaints can be found in our complaints policy.

What if I can’t keep up my repayments?
If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do i do next?
Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

*Subject to lender approval and requirements.