How to get guaranteed payday loans for bad credit?

We don't ask you the reasons for requesting a loan. Our intention is to get you the money you need, as quickly as possible. With our online Payday Loans, there is no need to Fax, Email or Post any documents. An extremely simplified process – that’s what we aim for.
We understand that the urgency of funds before payday, the reason could be any but our customer needs money the same day so we try hard to provide funds asap, and If you are employed, a UK citizen and match our simple criteria, then you can get a guaranteed payday loan even if you have bad credit.
Get instant Payday Loans NOW, and know your Monthly Repayments
Thanks to our online tools, you can now apply anytime and get instant Payday Loans. Guaranteed Payday Loans provide every borrower with the ease to apply for loans for their pressing needs.

guaranteed payday loans

Am I eligible for Instant Payday Loans?

   Payday Loans are the easiest and the quickest to get. The customer must have to match our simple criteria for guaranteed approvals. To get this loan you need a valid UK bank account. This includes basic bank accounts that do not come with an overdraft or a debit card.

Must be at over 18 years of age.
You must be a UK citizen and working to receive payday loans.
Must be employed or receive a regular income.
Your salary should be credited directly into your bank account. Should have minimum earnings of £350 per month.

You could apply for guaranteed personal loans if you are looking loan amount more than 1500 pounds.

Benefits of guaranteed payday loans

  • Instant borrowing £50- £1150!

  • online approval wage day advance loans

  • Fast payday loans, minimum interest rate

  • Guaranteed payday loanss no credit check

  • No Fax no Hassle

  • Easy, Fast and friendly!!

Am I eligible for Instant Payday Loans?

A large number of customers are. You can easily find out what you can get by going through a simple 2 minutes long online procedure. We have simple criteria and we try our best to offer guaranteed approvals.
One must have a checking account. Even if you do not have a savings account, you can check our DoorStep Loans for other options. Must be a resident and at least 18 years old.

guaranteed paydayloans

How can I get same day instant Payday Loans?

We offer same day and instant Payday Loans for a large number of customers. One needs to simply decide an amount needed and contact us through a quick online application form. You are likely to get a response within minutes.

Am I always guaranteed to get a Payday Loan?

Yes, you are guaranteed to get a Payday loan. We ensure that customers are able to get these loans at least 9 out of 10 times. Our motive is to always provide access to such loans for most customers. People with poor credit scores are also able to get such loans to survive till their next payday. One can have a Payday Loan for as little as £50 and as high as £1150. In some cases, the upper limit of such loans can also stretch up to £2,500 or more. You get flexible repayment options ranging from a lump sum payment to 1, 2, 3, 6 or 12 monthly repayments. The interest rates remain fixed for the term of the loan.

How can I get a Payday Loan with my poor credit scores?

We don’t let your poor credit scores stop you from getting Payday Loans. No matter what your credit history is, we ensure that you get all the available options. It is understandable for people to not have a perfect credit history. There is always more to you than you credit ratings. We analyse various aspects of your personal and financial situation and take steps to arrange a suitable Payday Loan for you.

How can I get a Payday Loan without going through a credit check?

With us, it's an easy process. We realise that most customers look for Payday Loans to manage a specific situation or to last till a Payday. Therefore, we don’t make you wait for long. You can go through a simple online application without going through a credit check. It hardly takes a minute to do that. Our procedures do not include taking you through a time-consuming credit analysis.

Can I get a Payday Loan if I have bad credit?

Yes, you can. In most cases, Payday Loans last up to a few days, weeks or your next payday. Customers take out these loans to survive until the next wage day. We try to accommodate most customers. We do not place strict restrictions on the basis of credit scores and are able to offer small loans to people with less than perfect credit history. If you apply for very bad credit loans then it takes 2-3 days to approve your funds.

How quickly can I have my Payday Loan approved?

Payday Loans are also called fast Payday Loans. We call these loans the same day loans or no-fax Payday Loans. Customers apply for these loans to manage their expenses till the next payday. As compared to other types of short-term loans, customers want these loans as quickly as possible. Keeping customer’s requirements in mind, we offer easy and fast loan approvals. These approvals could take up to a few minutes. The loan amount could get credited to your savings account in a matter of hours.

What kind of loan can I get if I have a credit score of 550 or less?

A credit score of less than 550 is often regarded poor to go for loans through the traditional means. Such customers, in the absence of any security or guarantee, can apply online for unsecured personal loans and Payday Loans through us. We don’t necessarily rely too much on your credit scores while giving out instant and small amount loans such as Payday Loans.

What role does my credit score play in deciding the kind of loan and interest rates I get?

Your credit footprints play a key role in deciding the kind of loan and interest rates you get. Credit scores say a lot about how you have been managing your finances. Lenders are able to judge your repayment abilities on the basis of your credit scores. On the basis of your credit ratings, they decide which loan to offer to you. Unsecured personal loans are always high-risk products. They are not secured against any valuables. The chances of recovering money in case of default are quite slim. A good credit score, above 550, lets you go for an unsecured personal loan at a low interest rate. A poor credit score allows you to go for Payday Loans, at higher interest rates. The good credit score help you to get the low interest payday loans or unsecured loans.

payday loans bad credit
What are the minimum requirements to apply for Payday Loans?

You should be at least 18 years old and a UK citizen with an active savings account. Many online lenders also offer Payday cash loans to people with no checking accounts. One should have a job, but some alternative loan providers also offer solutions for people with no income proofs.

Can I take out more than one Payday Loan at the same time?

In many cases, yes you can. You can go through our online Payday Loan provider tool and depending on certain financial circumstances, you can get more than one Payday Loan at the same time.

What are the steps I need to follow to get my Payday Loan approved?

- Decide an amount you are looking for.
- Decide the duration of the loan.
- Contact us through our online application or phone.
- Compare interest rates and the APR suitable for you.
- Try to have a conversation with a loan executive to clear all your doubts.
- Apply online, get instant approval and have money credited to your bank account.

Can I get fast Payday Loans without waiting?

Yes, you can. The purpose of getting a fast Payday Loan is to take care of an urgent and unavoidable situation. One expects such loans to be instant in nature. Online Payday Lenders take customers through fast loan applications and provide same day approvals. In many cases, your loan amount could show up in your savings account in 12-48 hours.

What can happen if I don't repay my Payday Loan?

In case you miss a payment for your Payday Loan, your loan provider could charge a late fee of £12 to £20. Also, they will carry on charging you the interest which often works out to be 1% a day.

If a customer defaults, it could lead to the following consequences:
Constant calls from the collection team.
Possible bank overdraft fee.
Negative impact on your credit rating.
Garnishment of your salary check.
Possible time in the court of law.

Why do Payday Loans have a bad reputation?

Payday Loans can be easy to get but are very costly. They often come with extremely high interest rates and short terms. The APR for such loans could be as high as 400%. These loans are also described as money-draining traps. Customers who struggle to pay off such loans on time, especially the financially vulnerable ones, end up getting involved in a cycle of debt.

What are Wage Day Advance Loans?

Payday Loans are also called Wage Day Advance Loans.

What is the maximum amount I can borrow through Wage Day or Payday Loans?

In most cases, customers can borrow up to £1150 through Payday Loans. Most customers apply for a small amount of Payday Loan, ranging from £100 to £500.

Are there any upfront charges while applying for Payday Loans?

We do not charge any upfront fee or hidden charges. Our procedures are quite transparent in nature and you are never kept in dark about any terms, conditions or charges.

How are 12-months Payday Loans different from other Payday Loans?

Payday Loans could be of different types. The idea behind getting a payday loan is to ensure the availability of funds till the next payday or the next few months. Most Payday Loans are available for a duration of 1 to 12 months.
In case of 12-months Payday Loan, the interest rate remains fixed for the entire term and customers can repay the loan in regular monthly instalments.
In case of other Payday Loans, such as a 1-week loan, 1-month loan, 15-days loan, you get an option to pay back in the lump sum.
The interest rate for a short-duration loan could be high as compared to the interest rate for a 12-months Payday Loan.

How does a Payday Loan (UK) work?

In most cases, customers take Payday Loans for a duration of a few days or weeks. These loans can be used to take care of an emergency or an urgent requirement. They try to pay it back in a lump sum after few weeks or a month, as soon as their salary gets credited. In usual circumstances, while applying for a Payday Loan, the customer writes a check in favour of the lender. This check amount includes the full loan amount and any applicable finance charges. At the time of paying back the loan, the customer can either redeem the check by making a cash payment or allow the check to be deposited.

Beware of Loan Scam

Loan sharks might use our name with malicious intentions. They are not authorized by the FCA to carry out lending activities. Please avoid calls and mails that demand upfront fees by cash or online banking. We never charge or demand any upfront fees. Also, it's good to check for authenticity of lenders before you decide to take things ahead.

what is a payday loan and how does it work

guaranteed payday loans for bad credit

   Payday loan is designed only for salaried person, if you are employed and every month getting a fixed salary then you can get a loan against your next salary. Rate of interest will be quite high and repayment terms will be a month only and loan amount will be automatically deducted from your bank account when salary will be credited.

Why we charge £1.99: We receive numerous hoax applications every day, so by charging £1.99, we dumped hoax applications, and refine genuine customers who seriously need a loan.
Financial details: Rates from 4.5% APRC to 12.6% APRC are available - the highest rate is for customers with severe credit problems. Loans are available from 1-25 years.
Representative Example: Assumed borrowing of £26,000 over 84 months, with a borrowing rate of 5.86% per annum for the 84 months. There would be 84 monthly instalments of £415.52. Total amount payable £34,998.68 comprised of; loan amount (£26,000); interest (£6,328.68); Broker fee (£2,080.00); Lender fee (£590). This would result in an overall cost of 9.2% APRC.
TYPICAL 10.9% APRC variable. This means 51% or more of customers receive this rate or better.
Unsecured Loans are available from £1,000 to £25,000. Representative 12.6% APR variable.
Consolidation Warning: If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Standard Warning: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.