Provide accurate information: To make sure that your application runs smoothly, it is essential that you provide accurate information. Discrepancies in your details will result in the slowing down of your application process.
You have peace of mind that our website is secure, and we hold your information confidentially, so you can enter your correct details and get your application processed as fast as possible.
Make yourself available: Once your application is processed, we may have some additional questions for you. We may also request proof of income or a utility bill to show proof of address. To truly speed up your application, you should be in front of a screen and near your phone so that you can answer any questions by phone, complete the online loan agreement and electronically sign the form. If you make an application whilst at work or on the go, it may slow you down, and you may have to wait before taking the next steps.
Keep your credit file clean: Whilst this might take a bit of time, there are ways to tidy up your credit record to make it more attractive for a prospective lender. Of course, we cater for quick loans for bad credit, but a good credit score will always maximise your chances of approval and help you get access to the best rates.
If you can access your credit file using Experian, Credit Karma or Equifax, you can make some quick changes and see how your credit score improves. This includes joining the electoral roll and closing down any store cards or credit cards that you do not use.
We will run several checks to determine your eligibility. Although we may request further information (payslips, bank statements) and request a phone call to confirm details, your loan can still be completed and transferred on the same day of applying.
We understand that if you need money for an emergency, you need it quickly. We have processes set up to ensure a fast transfer.
Are quick cash loans with 
bad credit more expensive?
With some lenders, having bad credit may mean your loan will be more expensive. However, at Payday Bad Credit, we do not charge a penny more if you have bad credit or want your loan faster. So whether you have a good credit score or bad credit score, or anything in between, we will fund your loan within 1 hour of approval and at no difference in cost!
Why must fast loan applicants undergo affordability checks?
Before lending to a customer, it’s important to check that they can afford the loan repayments. As a responsible, fast loan direct lender, we make sure not to lend to anyone who may have problems paying back the loan. Not being able to afford the loan repayments will inevitably result in deeper debt than before taking out the loan.
Can I apply for a quick loan online with Payday Bad Credit?
Yes! You can apply with Payday Bad Credit for our quick loans online. Our form only takes a few minutes to fill, and there are no upfront fees for applying. Our commitment to responsible lending means that we treat customer data very seriously. Furthermore, we will endeavour to fund your loan directly. However, if we are not able to help you with your application, we will only forward your application to other lenders with your permission.
Make sure you meet the criteria: At Payday Bad Credit, we require applicants to be over 18, living and working in the UK and in employment. If you are unemployed, on benefits and have no income, this will inhibit your chances of being accepted. So making sure you meet the basic criteria is key to making the next stage of the application.
