Bad Credit Payday Loans

£100 - £5,000 paid out by 01:29am

How much would you like?


Representative 669.35% APR

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
*Omacl will not perform a credit check but lenders will determine your loan eligibility by performing a soft search. If you accept the loan offer presented to you, a hard credit search will be performed.

The Facts About Bad Credit Payday Loans

It is important that you know the facts about bad credit payday loans before you go ahead and apply for one. These loans can be quite beneficial for just about anyone with cash flow problems, but you will need to educate yourself so you can get the best possible outcome. If you are in need of quick cash for any reason, these loans have a lot to offer. Thousands of people in the UK benefit from payday loans every day, and you most likely can too.

The Basics

A payday loan is essentially just a short-term loan that you can pay back with the next pay check you receive from your employer. These loans typically last about two weeks until full balance must be paid. If you fail to pay back the loan on time, you will be facing some hefty late fees. Most people who get these loans have no trouble paying them back, simply because they are so short-term. These loans are also called “cash advances”, and they are most often taken out by those who have emergency expenses they need to pay for.

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). 

Can I use a Payday Loan for Anything?

One of the great things about paying day loans is that there are no questions asked with regards to how you plan on spending the money. A lot of banks that give out loans tend to ask their borrowers what they need the money for, but that isn’t the case here. This means that you won’t have to worry about being denied because of the reason you are seeking the loan.

payday lenders bad credit

Will My Bad Credit Prevent me from Getting Approved?

Bad credit payday loans are perfect for those who have been rejected when applying to borrow money in the past because they have a low credit score. If you need money for something important but you’re afraid your credit will prevent you from getting it, you’ll find that payday loans are typically the right choice. Most lenders that give out these loans understand that their applicants might not have the best credit history but the loan might still be affordable. There is a good chance that the lender you are matched with will run a credit check on you, but it’s initially just a soft search. It is very possible to get a payday loan even if you have a spotty credit history.

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How Does Omacl Compare?

Why Use Us?
How much can I borrow?
Up to £5,000
No hidden fees
Chance of getting approved?
High approval
What are the repayment terms?
1 - 36 Months
No paperwork.
How do I apply?
Apply Online
2 min Application
Do I need to pay back a lump sum?
Easy repayments

What is the Process of getting a Payday Loan?

People love payday loans for a lot of different reasons, including the fact that the process of getting one is so simple and easy. Pretty much everything can be done online, so you won’t have to physically go anywhere to fill out paperwork or collect your money.

bad credit payday loan everyone

The following steps are required for getting a payday loan :-

  • Apply: The very first step in this process is to fill out an application online. This shouldn’t take more than 10-15 minutes. You will be required to submit some personal/financial details that the lender will use to decide how big of a liability you are. It is important that you answer all of the questions on the application honestly with complete accuracy.
  • Wait to Hear Back: Once you have submitted your online payday loan application, all that’s left to do is just wait to hear back. You should be notified as to whether or not your application has been proved within several hours or in some cases you’d receive an instant on screen decision. The lender will then most likely contact you via phone or email.
  • Get Your Money: If you are approved for the loan, the lender will transfer the money into your current account, typically before the day is out.

We Help People with Bad Credit

Omacl has helped countless people with bad credit to get payday loans, as we will do everything in our power to match you with a lender who will approve your application. A lot of people with bad credit are hesitant to even apply for a fast loan but unless you actually decide to go with a given lender a full credit check will not be performed during the application phase.

What are bad credit loans?

Bad credit loans are loans where the lender looks at the affordability of the loan and the personal circumstances of the borrower rather the traditional method of a credit check. This means we are far more likely to be able to get you a loan today than any high street lender.

Even if you have a poor credit score or have missed repayments in the past you will still be able to apply for a bad credit payday loan. We will be able to give you an instant decision then if you decide to go ahead you will typically have your money within the hour.

How quickly will my loan be paid out?

Loans are usually paid out within the hour. Omacl processes loan applications around the clock. If you have any questions about your loan application, please contact us.

Please ensure you enter your bank details correctly on the application form to ensure a fast payout. You will need a current account from a UK bank to have your loan paid into.

Will my credit profile affect my loan?

Having a bad credit profile won’t exclude you from applying for a loan with Omacl. We have the highest approval rate in the industry. It takes 5 minutes to apply and you will get an instant decision with loans of up to £2,500 available.

We currently process more than 94% of applications and we are open 24/7.

Is a bad credit loan from Omacl the right option?

If you know your credit rating isn’t perfect its not a problem at We can help you get back on track and if you pay the loan back on time this will help your credit profile in the future.

Please bear in mind if you default on repayments you will still be liable for the money and you will make it harder to obtain credit in the future.

Warning: Late repayment can cause you serious money problems. For help, go to Omacl is a broker, not a lender, and does not make credit decisions.