Very Bad Credit Loans - UK Direct Lenders

Having a very bad credit score doesn't mean you cannot get a payday loan from direct lenders. As long as you provide enough proof and documents, you can still get a loan online. Try applying with one of our lenders today!


Can I Borrow from Very Bad Credit Loans Direct Lenders?

Having a bad credit score can make it challenging to get a loan. Banks might refuse to give you loans and independent lenders might be charging interest rates that are too high.

Fortunately, we have a solution for all your problems. FastPaydayLoans can help you get the cash you need to pay for any unexpected expenses. No matter what your credit score is, we believe that you deserve to get a loan in times of need.

Bad credit loans in the UK are unsecured loans for people with bad credit. Our very bad credit loans direct lenders are willing to lend money to anyone regardless of their credit score. All you need to do is prove that you have a running income, either from a full-time job or other benefits.

Why Trust FastPaydayLoans?
How much can I take out?£100-£5000No obligation quotes
Representative APR49.7%(variable)Competitive rates
Will bad credit be accepted?YesLenient requirements
What are the repayment periods?1-36 monthsFlexible loan term options
How can I apply?Apply online24/7 available
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Eligibility Requirements for a Very Bad Credit Loan

Getting a bad credit loan is incredibly simple. The best part about these long and short-term loans is that your credit score simply does not matter. With our online service, you can easily get approved by our payday loan direct lenders. Here are a few basic requirements to be eligible for a bad credit loan:

    • Over 18 years old for short-term loans
    • Over 21 years old for long-term loans
    • Permanent UK resident
    • Have a running income from a job or other benefits

If you fulfil these requirements, then you can request for a bad credit loan UK with FastPaydayLoans. To complete your application, you will be required to submit a few personal details. These include:

    • Valid UK address and mobile number
    • UK residence address
    • UK-based bank account in your name
    • Credit or debit card details

You do not need to provide a guarantor to be eligible for a bad credit loan. This means that you don’t need to ask friends or family to co-sign on your loan application, making it much easier to get a bad credit loan.

Pros & Cons of Getting Very Bad Credit Loans from Direct Lenders


Quick and Simple

From an online application that you can fill in minutes to connecting with a suitable lender right away, our bad credit loans are incredibly simple. If you are looking for a way to get quick cash, the FastPaydayLoans can be the best solution.

Instant Decisions

As soon as you hit "submit" on the online form, our panel of lenders will start sending you offers. These instant decisions can help you get a bad credit loan as quickly as possible.

Get Fast Cash

Once an emergency strikes, you need to arrange cash immediately to pay for it. Whether it’s a medical expense or your car not starting, our bad credit loans UK can help you get fast cash for any purpose.

Credit Score isn’t Everything

We understand that not everyone has a perfect credit score, which is why we offer bad credit loans to those with poor credit. Every application is considered individually, including looking at your income and earnings.


High Interest Rates

Compared to other types of loans, bad credit loans often charge higher interest rates. The higher interest rate you get, the higher the overall cost of repayment will be.

Specific Requirements

When you apply for a bad credit loan, you will need to show a proof of income and have a valid UK address and phone number. These requirements can be difficult to fulfil for those who are currently unemployed or still searching for a job.

Fixed Repayments

Making sure you make repayments on time is a crucial part of getting a bad credit loan. If you happen to miss a payment, there could be further damage to your credit score.

How Fast Can I Get a Loan for Bad Credit?

If you need urgent cash but have a bad credit score, you can apply for a quick loan with FastPaydayLoans. Our bad credit loans direct lenders will give you an instant decision and send you offers immediately. If your loan request is approved, then you can get the cash in your bank account as quickly as the same day.

It only takes about 2-3 minutes to submit the online form on With our broker service, you can enjoy the same benefits as someone with a good credit history with no discrimination. This includes quick decisions, same-day funds transfer, and incredible customer service to answer all your queries.

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Get Cash When You Need It Most

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How Can I Get an Unsecured Loan with Bad Credit?

Bad credit loans we provide are unsecured loans to facilitate those people with poor credit scores. You can apply for this unsecured loan if you meet the minimum eligibility criteria, including being 18 years or older and having a valid UK address and phone number.

Follow these steps to get an unsecured loan with bad credit:

Step 1: Choose Your Amount

Use the drag-and-drop tool on to specify the amount that you want to borrow for your bad credit loan. You can select any amount between £100 to £5,000.

Step 2: Fill Out the Online Form

Using the instant application form, fill in your details such as full name, date of birth, address, and phone number. You might be required to provide other details such as your bank account information too.

Step 3: Receive Your Cash

We connect you with a panel of lenders immediately who offer quick decisions on your loan request. Once approved, you can get your cash deposited to your bank account the same day or the next business day.

How much would you like?

12 month

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

How can I Improve My Credit Score?

Having a poor credit score is not the end of the world. Instead of worrying about your credit history, here are a few methods to improve your credit score:

1. Pay Bills on Time

One of the easiest ways to build your credit score is by making bill payments on time. Every time you deposit the bill amount before the due date, your credit score will improve automatically.

2. Pay Outstanding Debts

If you have a high debt-to-credit ratio, then you might need to pay off outstanding debts to improve your credit score.

3. Only Use 50% of Available Credit

In case your credit score is deteriorating, you might be using more than 50% of your available credit regularly. To improve your credit score, avoid utilising credit beyond 50%.

4. Avoid Overdrafts

Your credit score can improve if you make all bills and interest payments on time by avoiding overdrafts. Don’t let your credit card bill roll over to the next month.

5. Review the Credit Report

To work on improving your credit score, it is important to know what is causing it to deteriorate in the first place. You can run hard inquiries on your credit to see why it is low. If there is any inaccurate information, then you can report it to the bank to have it removed as soon as possible.

Do Direct Lenders Have Credit Checks on My Loan Application?

A direct lender will process your application and lend you money for the loan. When you submit a loan request through online broker websites, they will forward your details to independent lenders.

Bad credit loans direct lenders can run hard credit checks to determine whether you have the financial ability to repay your loan amount on time.

How much can I borrow if I have a very bad credit score?

With FastPaydayLoans, you can borrow up to £5,000 as a bad credit loan even with poor credit. Apply today to connect with our panel of industry-leading lenders.

Can I get a bad credit loan with guaranteed approval and no guarantor from a direct lender?

As brokers, FastPaydayLoans do not guarantee approval of your loan application. However, you do not need to provide a guarantor when applying for a bad credit loan with brokers like FastPaydayLoans.

Can applying for a bad credit loan affect my score?

Yes, it can. When you apply for a bad credit loan, the independent lender might run a hard credit check as part of their affordability assessment. If you are able to make bad credit loan repayments on time, then the loan can help you rebuild your credit history over time.

What can I use the loan for?

You can use a bad credit loan for any purpose. Many people apply for loans to pay for unexpected medical bills, car repair bills, or home improvement expenses.

How do I repay loans for bad credit?

Repayments for bad credit loans are made directly to the independent lender. These repayments are typically fixed and last over a specified period of time.

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Get a Payday Loan from UK Lenders Even with Very Bad Credit Today!

Most lenders understand how urgent you need money and are willing to offer payday loans for those with poor credit history. If you're trapped by a very bad credit score, use our service today. Just submit your application information and get lender approval instantly!

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