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

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100 to 25,0000*

  • Apply for 50-1,000
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  • Secure Application
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  • Bad Credit

Secure Process

Your data stays secure no matter what. Our platform ensures that your personal information is safe from prying eyes. And since it is online, you can do it anywhere you want, anytime you need. It is available 24/7.

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Paid Into Your Account

Don’t have to wait days to get the funds you need. In just a few minutes, your money goes directly to your checking account. No fuss. no hassle. Quick and convenient service guaranteed.

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Credit Problems

Got bad credit? Having poor or bad credit doesn’t prevent you from applying for a loan. Our creditors do no credit checks. As long as you can pay the loan on time, everything is going to be fine. Your credit problem will never be a problem with us.

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Need Cash Assistance?

Got your eyes on a brand new car? Thinking about starting a family? For that, you’re going to need funds.
If you’re planning on getting financial assistance, we provide you with the best options that you’ll never find elsewhere. Even with bad credit, you are still eligible to apply for a loan.
The application process is amazingly simple and fast. In as quick as two minutes, you can have the results of your application right in front of you.

Why Unsecured Loans?

If you’re stuck in a difficult situation. Without cash, things could go from bad to worse. Going broke during emergency situations can be extremely aggravating.

If you don’t have anyone to turn to, it would be difficult to get out of that situation. Still, there are things that you can do to alleviate your circumstances. The best option would be to apply for an unsecured loan.

  • What Are Payday Loans?

    Payday loans are extremely useful during emergency cases. It’s relatively easy to acquire and does not need complicated requirements. You can pay back the loan on your next paycheck.

  • What Are Guarantor Loans?

    This type of loan requires a guarantor to co-sign the loan agreement. The guarantor takes the borrower’s place if in case they fail to pay back the loan or defaults.

  • What Are Logbook Loans?

    Logbook loans allow the borrowers to pledge their vehicles as a security deposit. The borrower hands over the ownership of the vehicle to the lender until the debt is paid.

Looking For A Payday Loan? Here's What You Need To Know

A payday loan is a short-term loan offered to anyone who’s over 18 years of age, a UK resident, has a stable source of income, and a bank account. This unsecured loan is popular for two reasons: it’s easy to acquire and it’s very expensive.

No Credit Check

Even if you have a bad credit rating or have no credit history at all, lenders can still accept your application as long as you meet their criteria. It’s also important that you have a regular source of income to prove your capacity to repay the loan. Normally, payday loan providers won’t conduct a credit check and if they do, they will not use your credit score as a basis of their decision.

The best part is: you can get the loan discreetly. There are many payday lenders online who will allow you to apply on their website and transfer the fund to your bank account. This means that you can get the money you need without letting the people around you know about it.

Expensive Interest Rate

Payday loans are expensive by nature and it should only be used as a last resort or when you really need a small amount of cash for a short time. Aside from the staggering interest rate, you have to give the fund and the interest back on your next payday in one lump sum. For most borrowers, this is a very short time that’s why they ask for a loan extension.

While it’s possible to “roll over” the loan, this comes with another charge, thus making the loan expensive. Therefore, if you want to borrow a loan from a payday lender, the first thing you should ask yourself is if you can really afford it.

Late payments or defaulting on the loan can only put more damage in your credit rating. Plus, most lenders won’t report to the credit bureau if you’re paying the loan on time, so a payday loan won’t help you increase your credit rating. But, if you failed to settle the loan on time, it will be recorded in your credit history.

If you need a loan and your credit rating is 550 or less, it will be extremely difficult to become eligible; however, it’s not impossible. There are some lenders online whom you can rely on when you need an advance.

What Is A Bad Credit Score?

Before you get a personal loan, you must understand your financial situation first. If you know that you have a bad credit score but you’re not sure about your exact rating, you should get a free copy of your credit report. This will give you an idea if you can still qualify for other types of loan or if you have a slimmer chance to get approved.

For instance, if your credit rating is 600 and above, you have bad credit and you may still qualify for loans with good interest rates. But if you have under 580, it will be very challenging to get a loan -- and for a reason. The majority of borrowers with poor credit are considered “delinquent” on their previous accounts, therefore giving an assumption that they are more likely to repeat this behavior on their future loans.

But if you’re sure that you won’t skip any repayments this time, you can still give it a try.

Finding The Right Lender

To make sure that you can repay the loan, you need to shop around first. This will give you an idea about the options you have and which personal loan providers offer the best rates and terms. You can also consider enlisting a cosigner to improve your chance of getting approved.

Once you found the right personal lender, make sure that you can meet their criteria. This includes your age, citizenship or residency, employment, income, and bank account. Get all the requirements ready for an easier, faster application. If you choose to apply online, the entire loan process may be completed in a short time and you can get the fund you need within a week or even on the same business day you’ve applied.