Bad Credit Payday Loans | From £100 to £2500

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.