Payday Loans - Perfect Credit Not Required

Loan Amount
£
Duration
Days
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You would like to borrow £100 over 28 days

The table below has been updated, with the cheapest lending option at the top.  Please use the Visit Site buttons to apply, or re-enter loan information for another comparison.
Please note only two lenders offer more than £1000. If you want a much larger choice, please lower the amount to £1000.

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


Readies is rated 4.8 stars by Reviews.co.uk based on 15 reviews

Real reviews from our customers with bad credit

My credit card was declined when I was trying to buy binders before going on a date on Friday. Readies to the rescue, I had the money in my account in an hour.

Steven

I didn't expect to be approved after other lenders turned me down. Readies managed to sort out a £500 loan which meant I had a lovely birthday weekend.

Susan

I'd definitely recommend your service. I was in major need of a short term loan and you guys came through - £750 in my hands in less than 30 minutes.

Jenny

After being declined by Wonga I gave Readies.co.uk a go and what a difference. Thank you very much, £500 in my account quickly and my wife loved the weekend away!

Joe

Payday Loans With No Credit ChecksAmount BorrowedInterest RateRepayable APRDirect Lender Bad Credit Accepted
Drafty
£100
£116.00
89.7%
Representative Example: Representative 89.7% APR, and a maximum APR of 91.2%. If you draw £50 against your credit line at 89.7% APR, it would be paid off in 6 months for a total of £60.
Satsuma
£100
£144.00
179%
Representative Example: £400 loan for 113 days (4 instalments). Total: £597.48. Interest £197.48. Interest rate 255.5% pa (fixed). Repay £149.37 for 4 payments. Representative 939.5% APR.
Moneyboat
£100
£163.00
939.5%
Representative Example: Representative Example: Amount of credit £300 for 37 days. Interest £88.80. Interest rate 292% p.a. (fixed). Representative 1190% APR. Total amount repayable by one repayment of £388.80.
Wizzcash
£100
£172.00
1265%
Representative Example: Borrowing £300 over 90 days, 3 x payments of £151.42, Total amount repaid: £454, Interest rate 292% (Fixed), Representative APR 1265%
Peachy
£100
£172
1255.6%
Representative Example: Borrow £250 for 3 months. Total repayment: £379.44 in 3 monthly payments of £126.48. Interest p.a: 292.25% (fixed). Representative 1255.66%APR.

No Credit Check Payday Loans

Readies.co.uk does not carry out any sort of credit check but the lenders that we partner with will run their own affordability checks on bad credit payday loans. We make the loan application process as simple as possible, we don't want your past financial history to be a barrier to borrowing today.Credit checks won't necessarily stop you borrowing, every case will be looked at on its own merits. We will collect information such as your address, salary and employment history.

Bad Credit Payday Loans

Don't despair if you know you have a bad credit rating - there are still payday loan options available to you. Many lenders will still consider taking you on as a customer if you can show suitable employment history and the ability to make repayments on the amount you'd like to borrow.You will still qualify for some loans with bad credit but will likely have to pay a higher rate of interest.  If you successfully make the repayments on the loan, this should help improve your credit rating and will help you get access to more mainstream quick lending options later.

Benefits of Payday Loans With No Credit Check

  • Borrow from as little as £50 up to £1500
  • Repayment terms to suit you - up to 3 months
  • Cash can be transferred to you in fifteen minutes
  • Allows you to start repairing your credit history quickly
  • Loan decisions made instantly, no waiting

Payday Loans No Credit Check

A payday loan without a credit check may be a short term solution but longer term you may want to consider trying to improve your credit rating. With a better credit rating you will be able to access instant loans at lower rates of interest as you will be seen as lower risk by lenders.We do not carry out any credit check at all but the lenders we partner with will carry out their own checks. If they are happy with your employment status, wages and address they will consider lending to you regardless of your credit history.  The most important factor is your ability to make the loan repayments.

Guaranteed Payday Loans

There are many adverts online offering you a bad credit payday loans that are guaranteed but no legitimate payday lenders will guarantee to give everyone a loan. There is a separate type of loan called a "guarantor loan" but that involves someone else co-signing the agreement with you. If you fail to make the repayments, the other person will become liable for them.

What Details Do We Need?

Any broker such as Readies.co.uk, or any direct lender, will need to collect the following information from you:

Address

Lenders will need to make sure your address matches up to your bank card. This is a requirement of anti money laundering rules and to prevent fraud.If your address doesn't match up your application will be declined, so if you haven't kept your details up to date please update them with your bank before applying.

Salary

Information on how much you earn (along with outgoing expenses) will allow the lender to carry out affordability checks before lending you money. This is a legal requirement, lenders cannot issue loans that will too difficult for the borrower to pay back.

Employment History

Your employment history will also be used as part of the affordability checks and will help lenders decide whether to give you a payday loan. Generally, the longer you have worked somewhere, the lower risk you will be seen and the less likely a credit check will be required.

A simpler option

Usually, there’s nothing simple about getting approved for a loan. A typical lender might require you to fill out an enormous number of forms detailing your credit history, income, employment history, and more.  With many lenders, the process of applying for this type of loan can literally be completed in minutes. You’ll be surprised at how little effort it takes to find a lender that’s eager and willing to help you in your time of need.

Avoid the headaches and get on with your life. If you thought that taking out a loan was not an option for you because of your credit history, think again. Regardless of your past, you can be approved today for the loan you need and have loan funds quickly deposited into your account, but please be aware that no lender offers no credit check loans.

Compare No Credit Check Payday Loans?

Your credit history shouldn’t stand in the way of getting a fair deal on a loan when you need to borrow. Consumers looking for no credit check loans, need to understand that every lender will run credit checks but this is not necessarily going to stop you borrowing as they will take affordability into account. When you take out this type of loan, you don’t have to worry that you will be rejected because of the past. Instead, you can simply look forward to a healthy and stable financial future.

If you feel you need to look for a no credit check loan in the first place, you should use Equifax or Experian to see how bad your credit rating currently is. In the long term if you can improve your credit rating, you will become eligible to borrow money at better rates.

Getting the loan you need

How much money do you need? Taking out a loan from a lender that places more emphasis on affordability than on credit checks can instantly qualify you for a loan on the amount money you need. Your loan amount will in part be determined by your projected ability to repay, but you will typically have some flexibility in deciding on the amount. Not only will individual lenders give you options in regards to your loan amount, but you can comparison shop and see which lender offers you the amount you need to pay any bills or meet any expenses. Once you’ve been approved, you’ll soon be on your way. But you will have left the stress and pressure of dealing with unpaid bills behind.

A simpler option

Usually, there’s nothing simple about getting approved for a loan. A typical lender might require you to fill out an enormous number of forms detailing your current credit history, employment history, and more. However, this is not the case with a payday loan. With many lenders, the process of applying for this type of loan can literally be completed in minutes. You’ll be surprised at how little effort it takes to find a lender that’s eager and willing to help you in your time of need.

Avoid the headaches and get on with your life. If you thought that taking out a loan was not an option for you because of your credit history, think again. Regardless of your past, you can be approved today for the loan you need and have loan funds quickly deposited into your account thanks to the convenience of a payday loan, just bear in mind no credit check loans are not available.

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ProviderLoan AmountDays OverTotal RepayableGood Practice
Charter
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Good Practice Charter

This indicates if the lender is signed up to the Good Practice Charter which encourages responsible lending from payday lenders and brokers.

User Reviews
Emu.co.uk
£100
28
£118

Rated 5 / 5 by
by 13 users

Read Reviews

Representative Example:
Borrow £500 for 6 months. Annual interest rate 238% (variable). 1 instalment of £142.10 & 5 equal instalments of £142.42. Total amount to repay £854.20. Representative 788% APR.

247Moneybox
£100
28
£127

Rated 3.8 / 5 by
by 92 users

Read Reviews

Representative Example:
Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR.

Ferratum
£100
28
£127

Rated 4.1 / 5 by
by 17 users

Read Reviews

Representative Example:
APR 1270% if borrowing £400 for 4 months. Interest: £265.48. Interest rate: 292% p.a. (fixed). Total amount repayable: £665.48 by four instalments of £166.37.

Whilst we make every effort to ensure that the information is up to date, you should always confirm the terms of the offer with the product provider.

5 most recent payday loan reviews

Review of Emu.co.uk
It was a good service from Emu.co.uk. My car radiator exploded and it cost me £220 to fix it. I had the money so that in itself wasn\'t the problem, but fixing the car meant I had no money for rent the next week :(

I asked Emu for £300 but I filled in the forms wrong and they couldn\'t verify my info. Fair enough, that was my fault. So they emailed me and it was fixed and I had the money the same day anyway. Maybe the forms could be a little easier, or maybe it was just my fault I can\'t remember. I got the money so all good in the end :)

Review posted by Sharon

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Emu.co.uk
My cat got really sick and I took it to the vet last Friday. The vet said he was\'t going to treat Bubbles unless I paid him but I had no money! Unbelievable they should treat animals anyway and let you pay later! Anyway I used Emu.co.uk on my phone and I got £500 that same day. The vet got his money and Bubbles got his broken leg fixed back up.

I\'m not happy with the vet but I would use emu again if the worst happened! Thanks for the help everyone. Next I will get some pet insurance too I think.

Review posted by Slim

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Emu.co.uk
I borrowed £300 from Emu and the service was good.... the money showed in my bank within 20 minutes?

Their forms were easy to use and I filled it all in online so it couldn\'t be easier really. I was concerned they were going to call my boss. They didn\'t phone my house or employer which was good as I didn\'t really want anyone to know I was using a payday loan company. I don\'t think they credit checked either. Handy as I probably wouldn\'t have passed.

All in I would recommend Emu if you need some quick money without any checks or hassles.

Review posted by Jo-Anne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Emu.co.uk
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Review posted by KH

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Emu.co.uk
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Review posted by 1984TT

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money