Bad Credit Payday Loans | From £100 to £2500

Discover all you need to know about payday loans for bad credit.

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Here at Sunny, we provide access to short-term loans in amounts from £100 to £2,500 to suit every need, including payday loans for bad credit. Whether you need to get something fixed or pay an unexpected bill, there’s a bad credit payday loan to help.

What is a Bad Credit Payday Loan?

Payday loans are high-interest, short-term borrowing options to help when you’re close to payday but need a little extra support before wages arrive. Payday loans for bad credit are suitable for those who have poor or no credit available, offering you a fair chance to borrow money no matter the circumstances.

Traditionally, when you take on a payday loan for bad credit, you usually aim to pay it off within a short time frame – once you receive your wages at the end of the month. These days, though, they can be repaid over several months.

Traditional bad credit loans online, such as payday or short-term loans, are designed to help when your money is stretched. If you choose to apply for a payday loan for poor credit through Sunny, you’ll benefit from a quick turnaround and no fees beyond interest on the loan. Read on to find out more about these bad credit loans with instant decisions, when one might be right for you, what they involve, and alternatives to them.

Payday loans, like other types of credit, are regulated by the Financial Conduct Authority. This regulation ensures interest rates and fees are kept to affordable amounts, and that loan providers act in a way that has the customer’s best interests at heart.

Eligibility for Bad Credit Payday Loan

You must be over 18 years old and a UK resident to be eligible to apply for a payday loan. You should also be able to supply an address and bank details and be in receipt of a regular income. When you apply for a payday loan for poor credit online at Sunny, lenders will perform a credit check on you.

This is nothing to worry about, as payday loans for bad credit take into account a large range of circumstances, and you may still be accepted. This simply provides them with more information about your credit history. We will then confirm whether you are accepted or not. If you have a poor credit history, take a look at our guide on bad credit loans to find out more about applying for a payday loan in this circumstance and how to improve your credit score.

How a Sunny Bad Credit Payday Loan can help

We believe in being honest, transparent, and fair throughout the whole loan process and we aim to act as a lifeline for our customers. Our broker partner works with responsible lenders who are authorised and regulated by The Financial Conduct Authority. This means that if someone is having trouble making their repayments, the lenders will work with them to help them get back on track. You can apply online for the best payday loans for bad credit at Sunny today.

If your payday loan is approved, the money can arrive in your bank account on the same day

We do not charge any fees so you will repay only the amount borrowed plus interest.

Most lenders give you access to an online portal that allows you to manage your payments.

Payday Loans Bad Credit information hub

Many people have differing ideas of what a payday loan for very bad credit is. Here, we’ve answered some of the most common questions around this money product to help you better understand what they are and when you might need one.

  • Many people in the UK – 35% of households, according to the Money Charity – don’t have enough savings to cover an unexpected cost. This is where a bad credit payday loan can come in. These loans can be used to bridge the gap between an unexpected expense and payday. They are usually for small amounts and come with high-interest charges, so you would only take one on in an emergency and if you are confident you will be able to repay shortly after.

  • In the past, the interest and fees on payday loans were unregulated and some companies placed very high-interest rates on these products. This led to people finding themselves owing a lot more than they initially budgeted for. Here at Sunny, we strive to offer “life support” to those who need it. This is why we, our broker partner or their lenders never charge fees on payday loans for bad credit and encourage you to repay early to save money on interest wherever possible.

  • Yes, payday loans are suitable for people from all kinds of credit backgrounds. At Sunny, we offer access to bad credit loans online, such as bad credit payday loans. So even if you have a lower credit score or no credit at all, you may still be eligible for a payday loan. However, know that you may find you cannot borrow as much as you would like and may face higher interest rates with a payday loan for very bad credit.

  • Yes. As part of their commitment to responsible lending, lenders carry out credit and affordability checks on all applications submitted. This assists with fraud prevention and also ensures they only approve applications from people who we believe will be able to repay what they borrow. However, rest assured that when applying for payday loans for poor credit, you won’t get turned away because of your credit score. You can learn more about credit checks and how lenders use the information provided by Credit Reference Agencies (CRAs) by visiting the “Your Privacy” section of our website.

  • Yes. Here at Sunny, you can apply online for a bad credit payday loan with us, our broker partner will pass on your application to a panel of lenders to help customers find the best loan for you. We do not charge any fees for our services and can help even if you have been declined elsewhere.

  • You can apply for a bad credit payday loan online with instant decisions via our simple online application. Then we send your application to a panel of lenders for credit checks. If your instant payday loan bad credit is approved, the money you borrow can be sent to your bank that same day.

  • When you apply for a payday loan for poor credit at Sunny, you’ll receive an instant decision. With fast loans with bad credit, you’ll know your likelihood of being accepted or not straight away. Lenders use soft search, meaning they’ll check your credit report without leaving a mark before doing a full credit check. If you are approved for your poor credit payday loan, you will receive confirmation of the amount and when this will be paid into your bank account. Lenders strive to transfer all loans that have been accepted on the same day.

Representative 89% APR

Representative Example: Borrowing: £1000 for 18 months, Total Repayable: £1853.43, Total Interest: £853.43, Interest Rate (Variable): 89.9%. Rates between 9.3% APR and 1721% APR – your no-obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Subject to lender’s requirements and approval.

Sunny Loans is a registered trading name of Upward Finance Limited, who is an introducer appointed representative of Flux Funding Limited, who is a credit broker, not a lender. Loan repayment terms are 3-36 month loans.

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