{"id":699,"date":"2019-12-03T09:28:53","date_gmt":"2019-12-03T09:28:53","guid":{"rendered":"https:\/\/learnbonds.com\/uk\/?page_id=699"},"modified":"2024-04-29T11:02:06","modified_gmt":"2024-04-29T11:02:06","slug":"best-8-payday-loans-for-bad-credit","status":"publish","type":"page","link":"https:\/\/learnbonds.com\/uk\/payday-loans\/bad-credit","title":{"rendered":"Top 5 Bad Credit Payday Loans for 2021"},"content":{"rendered":"<p>When an emergency strikes that calls for urgent cash but you <strong>suffer a poor credit history,<\/strong> your options for obtaining credit services grow narrower.<\/p>\n<p>Banks and other lending institutions won\u2019t advance you the much-needed cash even after taking you through the long and unhealthy loan application processes. So who do you turn to, especially in the case of time-sensitive emergencies? The online-based <a href=\"https:\/\/learnbonds.com\/loans\/payday-loans\">payday loans<\/a> direct lenders or their <a href=\"https:\/\/learnbonds.com\/loans\/payday-loans\/apps\">payday loan apps<\/a>.<img decoding=\"async\" class=\"alignright wp-image-142186\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/07\/payday_loan.jpg\" alt=\"Payday Loans storefront - payday loans\" width=\"372\" height=\"248\" \/><\/p>\n<p>These help you sort your emergencies by advancing you the cash within the shortest time possible \u2013 as little as 15 minutes \u2013 on the promise that you will repay as soon as your next salary comes in. Unlike high-street banks, these don\u2019t shy away from lending you cash because of a poor credit score.<\/p>\n<p>They will even help you build or rebuild it by submitting information about your timely payments to the credit reference bureaus. And while some still pull your credit score to determine the interest rate for the advanced amounts, some don\u2019t consider it.<\/p>\n<p>You will, however, note that they are a bit stringent with their loan repayment terms. For instance, they will have higher representative Annual Percentage Rates (APRs) compared to your bank, shorter grace period to repayments, and high roll-over or late payment fees. Some may demand that you grant them a Continuous Payment Authorization (CPA) that allows them to deduct their dues directly from your bank account. You are nonetheless protected by the FCA that ensures you don\u2019t pay more than \u00a324 per month on every \u00a3100 borrowed or double the loaned amounts.<\/p>\n<div data-accordeon class=\"toc-block\">\n  <div data-accordeon-item>\n    <div data-accordeon-title class=\"toc-title-wrapper\">\n      <div type=\"button\" class=\"toc-btn toc-btn_main\">\n          <svg width=\"12\" height=\"6\" viewBox=\"0 0 14 8\" class=\"icon\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <path d=\"M1 1L7 7L13 1\" stroke=\"#fff\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n<\/svg>\n          <\/div>\n      <span class=\"toc-title\">\n        In This Guide      <\/span>\n    <\/div>\n      <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n          <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_the_process_of_applying_for_payday_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is the process of applying for payday loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_the_pros_and_cons_of_payday_loans_for_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are the pros and cons of payday loans for bad credit?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#reviewers_choice_of_best_bad_credit_lenders_reviewers_choice\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Reviewer\u2019s choice of best bad credit lenders: Reviewer\u2019s choice<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_we_ranked_the_best_payday_loans_for_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How we ranked the best payday loans for bad credit:<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_can_you_increase_your_chances_of_getting_approved_for_payday_loans_with_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How can you increase your chances of getting approved for payday loans with bad credit?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#i_only_apply_to_loans_you_meet_the_qualifying_criteria_for\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">I. Only apply to loans you meet the qualifying criteria for<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#factors_to_consider_before_applying_for_a_payday_loan_with_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Factors to consider before applying for a payday loan with bad credit:<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_emergency_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of emergency loans<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faqs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQs<\/a>\n\n        <\/div>\n\n    <\/li>      <\/ul>\n  <\/div>\n    <ul data-accordeon-content class=\"toc-list\" style=\"display: none;\">\n        <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_is_the_process_of_applying_for_payday_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What is the process of applying for payday loans?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#what_are_the_pros_and_cons_of_payday_loans_for_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">What are the pros and cons of payday loans for bad credit?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#reviewers_choice_of_best_bad_credit_lenders_reviewers_choice\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Reviewer\u2019s choice of best bad credit lenders: Reviewer\u2019s choice<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_we_ranked_the_best_payday_loans_for_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How we ranked the best payday loans for bad credit:<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#how_can_you_increase_your_chances_of_getting_approved_for_payday_loans_with_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">How can you increase your chances of getting approved for payday loans with bad credit?<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#i_only_apply_to_loans_you_meet_the_qualifying_criteria_for\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">I. Only apply to loans you meet the qualifying criteria for<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#factors_to_consider_before_applying_for_a_payday_loan_with_bad_credit\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Factors to consider before applying for a payday loan with bad credit:<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#glossary_of_emergency_loans\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">Glossary of emergency loans<\/a>\n\n        <\/div>\n\n    <\/li>  <li class=\"StepProgress-item\">\n  <div data-accordeon-item>\n  <div class=\"StepProgress-item__group\" >\n    <a href=\"#faqs\" class=\"btn-handleTocScrollToTitle StepProgress-item__link\" data-level=\"2\">FAQs<\/a>\n\n        <\/div>\n\n    <\/li>    <\/ul>\n<\/div>\n\n<div class=\"su-note\"  style=\"border-color:#e5e54c;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFF66;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><i class=\"omsc-icon sui sui-info-circle\" style=\"\"><\/i><strong>Note:<\/strong> <a href=\"https:\/\/learnbonds.com\/loans\/bad-credit-loans\">Bad Credit loans<\/a> come in handy when you are looking for immediate cash to solve a time-sensitive emergency. Plus, by giving you access to credit services and reporting your repayment progress to the different reference bureaus, these bad credit payday lenders help you rebuild your credit score.<\/div><\/div>\n<h2 id=\"what_is_the_process_of_applying_for_payday_loans\">What is the process of applying for payday loans?<\/h2>\n<p><strong>Step 1:<\/strong> Visit a payday loan lender online, at their store or call them<\/p>\n<p><strong>Step 2:<\/strong> Apply for the loan by providing the lender with such information as your bank details, contact information, employment status and details, contact information for your references<\/p>\n<p><strong>Step 3:<\/strong> Agree to the terms of the loan and repayment period<\/p>\n<p><strong>Step 4:<\/strong> The lender gives you a check for the loan amount or deposits it into your account<\/p>\n<p><strong>Step 5:<\/strong> You repay the amount upon receiving your salary or ask for a rollover and pay the rollover fees<\/p>\n<h2 id=\"what_are_the_pros_and_cons_of_payday_loans_for_bad_credit\">What are the pros and cons of payday loans for bad credit?<\/h2>\n<div class=\"su-row\"><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Pros<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> They help sort your finances when no one else is willing to help<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Have a relatively non-intrusive application process<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Speedy and wholly online loan processing<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> No credit check and may help improve your credit score<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Doesn\u2019t require security or collateral<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> Short term repayment doesn\u2019t tie you to a lifetime commitment<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><div class=\"su-column su-column-size-1-2\"><div class=\"su-column-inner su-u-clearfix su-u-trim\">\n<p><strong>Cons<\/strong><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Carry a higher APR than most other personal loans<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> Have a short grace period to repayment<\/li>\n<li><i class=\"sui sui-remove\" style=\"color:#e31f28\"><\/i> The easy application process and fast processing of payday loans make it tempt you into its misuse by applying it to sort non-emergency situations<\/div><\/div><\/div><\/div><\/li>\n<\/ul>\n<h2 id=\"reviewers_choice_of_best_bad_credit_lenders_reviewers_choice\">Reviewer\u2019s choice of best bad credit lenders: Reviewer\u2019s choice<\/h2>\n<div class=\"provider-list-container-0\"><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds reviewers-choice\" id=\"provider-intro\">\n                            <div class=\"reviewers-choice-label\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/plugins\/in-content-provider\/Library\/assets\/images\/entypo_shield.svg\" alt=\"\">\n                    Reviewers Choice                <\/div>\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Piggy Bank<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\">\u00a3100 - \u00a31000<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\">7 days to 5 Months<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\">1,255% up to 1698.1%<\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                                                                                <\/div>\n\n                    <a href=\"https:\/\/learnbonds.com\/visit\/piggy-bank\" class=\"btn btn-primary btn-learnbonds\" rel=\"sponsored\" data-relfix=\"1\">Visit Now                    <\/a>\n\n\t                                        <div class=\"c-providerBox--disclaimer-row\">\n                            <p class=\"c-providerBox--disclaimer-text\">PiggyBank Loans have now gone into Administration<\/p>\n                        <\/div>\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                                                            <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Product Details<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Try our feature Payday Loan Supplier Instead<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data pro-con-data\">\n                            <div class=\"c-providerBox--footer-data--label\">Pros<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li class=\"pro-con-tick\">This company has now gone into administration<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Key Facts<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Piggy Bank are a Direct Lender<\/li><li>Available for Bad Credit Scores<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                <\/div>\n\n                            <div class=\"c-providerBox--viewMore-row\">\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn\" data-show=\"show\">More Details<\/a>\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn hide\" data-show=\"hide\">Hide Details<\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds \" id=\"provider-intro\">\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Car Cash Point<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/car-cash-point-platinum-logo.jpg\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 84%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\"> - <\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\"><\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\"><\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 84%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                            <\/div>\n\n                    <a href=\"\" class=\"btn btn-primary btn-learnbonds\">Visit Now                    <\/a>\n\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                            <\/div>\n\n                    <\/div>\n    <\/div>\n<\/div><div class=\"row fc-row provider-list-row\">\n    <div class=\"col-12 c-providerBox--loans\">\n        <div class=\"c-providerBox c-providerBox--learnbonds \" id=\"provider-intro\">\n                        <div class=\"c-providerBox--title-row\">\n\t\t        <div class=\"c-providerBox--title-name\">Peachy Loans<\/div>            <\/div>\n\n            <div class=\"c-providerBox--details-row row-eq-height row\">\n                <div class=\"c-providerBox--details c-providerBox--details-logo\">\n                    <img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/Peachy-Loans-Logo.jpg\" alt=\"\" class=\"provider-logo\">\n                <\/div>\n                <div class=\"c-providerBox--details-rating c-providerBox--title-rating d-inline-block d-md-none\">\n                    <div class=\"rating-star-label\">Rating<\/div>\n                    <div class=\"rating--star-container\">\n                        <div class=\"rating--star\" style=\"width: 78%;\"><\/div>\n                    <\/div>\n                <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_amount\">\n                        <div class=\"c-providerBox--details-data--label\">Available Loan Amount<\/div>\n                        <div class=\"c-providerBox--details-data--value\">\u00a3100 - \u00a31000<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_available_term_length\">\n                        <div class=\"c-providerBox--details-data--label\">Available Term Length<\/div>\n                        <div class=\"c-providerBox--details-data--value\">1 Month to 1 Year<\/div>\n                    <\/div>\n                                    <div class=\"c-providerBox--details c-providerBox--details-data provider_representative_apr\">\n                        <div class=\"c-providerBox--details-data--label\">Representative APR<\/div>\n                        <div class=\"c-providerBox--details-data--value\">720%<\/div>\n                    <\/div>\n                                <div class=\"c-providerBox--details c-providerBox--details-ctas\">\n                    <div class=\"c-providerBox--title-rating d-none d-md-inline-block\">\n                        Rating                        <div class=\"rating--star-container\">\n                            <div class=\"rating--star\" style=\"width: 78%;\"><\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"signed-up-today d-none d-md-block\">\n                                            <\/div>\n\n                    <a href=\"https:\/\/learnbonds.com\/visit\/peachy\" class=\"btn btn-primary btn-learnbonds\" rel=\"sponsored\" data-relfix=\"1\">Visit Now                    <\/a>\n\n\t                                <\/div>\n            <\/div>\n\n            <div class=\"c-providerBox--footer\">\n                                                            <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Product Details<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Peachy Are A Direct Lender<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data pro-con-data\">\n                            <div class=\"c-providerBox--footer-data--label\">Pros<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li class=\"pro-con-cross\">Spread Payments Over Multiple Months<\/li><li class=\"pro-con-cross\">Funds within 1 hour of processing<\/li><li class=\"pro-con-tick\">Unavailable for those with current CCJs<\/li><li class=\"pro-con-tick\">Minimum Monthly Income of \u00a31000 Required<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                                                <div class=\"c-providerBox--footer-data \">\n                            <div class=\"c-providerBox--footer-data--label\">Key Facts<\/div>\n                            <div class=\"c-providerBox--footer-data--value\">\n                                <ul>\n                                    <li>Loan application Accessible on any platform or device<\/li><li>Peachy Claim Now Hidden Fees<\/li><li>See Fees Upfront On Their Calculator<\/li>                                <\/ul>\n                            <\/div>\n                        <\/div>\n                                                <\/div>\n\n                            <div class=\"c-providerBox--viewMore-row\">\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn\" data-show=\"show\">More Details<\/a>\n                    <a href=\"#\" class=\"c-providerBox--viewMore-btn hide\" data-show=\"hide\">Hide Details<\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div><\/div>\n<h2 id=\"how_we_ranked_the_best_payday_loans_for_bad_credit\">How we ranked the best payday loans for bad credit:<\/h2>\n<ul>\n<li>Representative APR<\/li>\n<li>Maximum loan amounts<\/li>\n<li>FCA regulation and reputation<\/li>\n<li>Loan processing speeds<\/li>\n<li>Other fees and charges<\/li>\n<li>Credit score checking<\/li>\n<li>Loan repayment period<\/li>\n<li>Customer support<\/li>\n<\/ul>\n<h2 id=\"how_can_you_increase_your_chances_of_getting_approved_for_payday_loans_with_bad_credit\">How can you increase your chances of getting approved for payday loans with bad credit?<\/h2>\n<h2 id=\"i_only_apply_to_loans_you_meet_the_qualifying_criteria_for\">I. Only apply to loans you meet the qualifying criteria for<\/h2>\n<p>The surest way of maximizing the possibility of having your bad credit payday loan being approved is applying to loans that you qualify for. After settling on one or a host of payday loan providers, proceed to check their eligibility criteria and ensure that you qualify. This involves checking such factors as the minimum monthly salary and age requirements.<\/p>\n<p><strong>II. Pay off current loans<\/strong><\/p>\n<p>You will also want to first clear any other loans, payday or otherwise that you may be having with same or another credit service provider. Applying to multiple loans when you already have a bad credit history says volumes about your financial planning and this may scare off potential lenders.<\/p>\n<p><strong>III. Provide valid and updated information<\/strong><\/p>\n<p>Most online-based bad credit payday loan service providers operate on a strict code of trust and transparency when it comes to customer verification. You might want to consider this when filling your registration details or turning in your loan application as simple discrepancies in what you provide and publicly available records may see you disqualified.<\/p>\n<p><strong>IV. Ensure you pass the identity verification and fraud checks<\/strong><\/p>\n<p>The bad credit payday loan provider may have mentioned that they won\u2019t conduct a credit score check but this doesn\u2019t mean that they don\u2019t conduct a background search on you. They will first check with the publicly available voters register to confirm your identity. It is therefore imperative that you ensure that the details provided to the lender matches the publicly available records.<\/p>\n<p><strong>V. Check the lenders minimum and maximum loan amounts<\/strong><\/p>\n<p>Most payday lenders will always indicate the minimum and maximum loan amounts they can provide an individual with a bad credit score. Some will even specify the loan amounts available to first-time applicants. If, for instance, 247 Moneybox has their first-time loan applicant maximum set at \u00a380, it doesn\u2019t help to make a \u00a3100 application with the lender.<\/p>\n<h2 id=\"factors_to_consider_before_applying_for_a_payday_loan_with_bad_credit\">Factors to consider before applying for a payday loan with bad credit:<\/h2>\n<p><img decoding=\"async\" class=\"alignnone wp-image-142207 size-full\" src=\"https:\/\/learnbonds.com\/wp-content\/uploads\/2019\/07\/52165312707d73.90924518.png\" alt=\"Google search results for Payday loans UK\" width=\"619\" height=\"126\" \/><\/p>\n<div class=\"su-list\" style=\"margin-left:0px\">\n<ul>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <strong style=\"font-size: 16px;\">Fees and charges: <\/strong>The Financial Conduct Authority is quite specific when it comes to capping the fees and charges imposed by the bad credit payday lenders. Ensure that your preferred payday loan provider is FCA loan-price regulation compliant.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <strong>APR:<\/strong> The Annual Percentage Rate of a loan takes into account the interest and other associated charges charged on a loan. You are better going for the payday loan lender with the lowest\/most affordable APR.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <strong>Possibility of an extended repayment period:<\/strong> Theoretically, the payday loan is supposed to help carry you until the next payday at which time it should be paid in full. Some bad credit payday lenders are however empathetic to your situation and allow extended repayment periods where the loan is spread and paid during several paydays.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <strong>Credit score checking:<\/strong> If possible go for the \u2018No-Credit Check\u2019 payday loan providers. This is because every time a lender pulls your credit score record, they leave a digital footprint that other lenders may use to deny you loans especially if the case of multiple checks in a short period.<\/li>\n<li><i class=\"sui sui-check-circle\" style=\"color:#77e31f\"><\/i> <strong>Reporting to the credit referencing bureaus:<\/strong> You should also only go for a bad credit payday lender who helps you build or rebuild your credit score. Ensure that they explicitly promise to share your stellar loan repayment record with the referencing bureaus.<\/div><\/li>\n<\/ul>\n<p><strong>Bottom line<\/strong><\/p>\n<p>A bad credit score should no longer be a hindrance to loan access, especially in the case of time-sensitive cash emergencies. The bad credit payday loan lenders are out to make this a reality by advancing loan services to different individuals irrespective of their current credit rating. When assessing your eligibility for payday loans, these brands look into more than just your credit score and credit history. Some don\u2019t even pull out your credit record but still help you build a credit history if you don\u2019t have one or rebuild a negative one by reporting your loan repayment progress to the credit reference bureaus, effectively helping you gain access to better loan services and high street lenders in future. Some of the upsides of these payday bad credit references are the fact they have some of the fastest loan application and processing services. But this is a double-edged sword seeing that without proper financial discipline, you will end up hooked onto these expensive loans \u2013especially when you rely on them for non-emergencies.<\/p>\n                                        <div class=\"inContentProviderSingle inContentColor--learnbonds fc-row\">\n                        <div class=\"inContentProviderSingle--wrapper\">\n                            <div class=\"container\">\n                                <div class=\"row mb-lg-3\">\n                                    <div class=\"col-12 col-md-8\">\n                                        <p class=\"inContentProviderSingle--title\">Apply Now for a Payday Loan With Piggy Bank<\/p>\n                                    <\/div>\n                                    <div class=\"col-12 col-md-4\">\n                                        <div class=\"inContentProviderSingle--rating\">\n                                            <div class=\"rating--holder\">\n                                                <p class=\"rating--text\">Our Rating<\/p>\n                                                <div class=\"rating--star-container\">\n                                                    <div class=\"rating--star\" style=\"width: 92%;\"><\/div>\n                                                <\/div>\n                                            <\/div>\n                                        <\/div>\n                                    <\/div><!--\/.col-md-4-->\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-12 text-center d-block d-sm-block d-md-none d-lg-none\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img mb-3\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"Piggy Bank Loans\" width=\"125\" height=\"60\">\n                                    <\/div>\n\n                                    <div class=\"col-12 col-md-8\">\n                                                                            <\/div>\n                                    <!-- *******  Desktop Provider Logo ********** -->\n                                    <div class=\"col-12 col-md-4 d-none d-sm-none d-md-block d-lg-block\">\n                                        <img decoding=\"async\" class=\"inContentProviderSingle--img float-right\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/02\/piggy-bank-loans.png\" alt=\"Piggy Bank Loans\" width=\"125\" height=\"60\">\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                                <div class=\"row\">\n                                    <div class=\"col-12 text-center\">\n                                                                                    <div class=\"inContentProviderSingle--button\">\n                                                                                                <a href=\"https:\/\/learnbonds.com\/visit\/piggy-bank\" title=\"Start Trading\" rel=\"sponsored\" data-relfix=\"1\">APPLY NOW<\/a>\n                                            <\/div>\n                                                                                <div class=\"inContentProviderSingle--disclaimerText\">\n                                            PiggyBank Loans have now gone into Administration                                        <\/div>\n                                    <\/div>\n                                <\/div><!--\/.row-->\n                            <\/div><!--\/.container-->\n                        <\/div><!--\/.inContentProviderSingle--wrapper-->\n                    <\/div><!--\/.inContentProvider--single-->\n                            \n            \n<h2 id=\"glossary_of_emergency_loans\">Glossary of emergency loans<\/h2>\n\n\t\t<div class=\"glossary-component--container\">\n\t\t\t<div class=\"glossary-component--inner\">\n\t\t\t\t<div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Score.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Score<\/span><\/div><div class=\"glossary-component--term-text\"><p>A credit score shows your creditworthiness. It's primarily based on how much money you owe to loan or credit card companies, if you have ever missed payments or if you have ever defaulted on a loan. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guaranteed.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guaranteed Approval <\/span><\/div><div class=\"glossary-component--term-text\"><p>Guaranteed Approval is when, no matter how bad, your credit score its, your loan application will not get declined.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Limit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Limit <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Credit Limit is the highest amont of credit a lender will lend to the borrower.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Collateral.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Collateral<\/span><\/div><div class=\"glossary-component--term-text\"><p>Collateral is when you put up an item against your loan such as your house or car. These can be repossessed if you miss payments.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Cash-Advance.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Cash Advance  <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Cash Advance is a short-term loan that has steep interest rates and fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Credit-Rating.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Credit Rating<\/span><\/div><div class=\"glossary-component--term-text\"><p>Your Credit Rating is how likely you are to fulfill your loan payments and how risky you are as a borrower.\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Fixed-Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Fixed Interest Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>Fixed Interest Rate is when the interest rate of your loan will not change over the period you are paying off you loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Interest.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Interest <\/span><\/div><div class=\"glossary-component--term-text\"><p>The Interest is a percentage based on the amount of your loan that you pay back to the lender for using their money<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Default.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Default <\/span><\/div><div class=\"glossary-component--term-text\"><p>If you default on your loan it means you are unable to keep up with your payments and no longer pay back your loan.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Late-Fee.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Late Fee<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you miss a payment the lender will charge you for being late, this is known as a late fee.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Unsecured.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Unsecured Personal Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Unsecured Personal Loan is when you have a loan based solely on your creditworthliness without using collateral.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Secured-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Secured Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>A Secured Loan is when you put collateral such as your house or car up against the amount you're borrowing.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Prime-Rate.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Prime Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p>This is the Interest Rate used by banks for borrowers with good credit scores.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Principle.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Principal<\/span><\/div><div class=\"glossary-component--term-text\"><p>The Principal amount the borrower owes the lender, not including any  interest or fees.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Variable-Rate.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Variable Rate<\/span><\/div><div class=\"glossary-component--term-text\"><p> A Variable Rate is when the interest rate of you loan will change with inflation. Sometimes this will lower your interest rate, but other times it will increase. <\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Installment-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Installment Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>An Installment Loan is a loan that is paid back bi-weekly or monthly over the period in which the loan is borrowed for.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Bridge-Loan.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Bridge Loan <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Bridge Loan is a short term loand that can last from 2 weeks up to 3 years dependant on lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/AAA-Credit.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>AAA Credit<\/span><\/div><div class=\"glossary-component--term-text\"><p>Having an AAA Credit Rating is the highest rating you can have.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Guarantor.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Guarantor <\/span><\/div><div class=\"glossary-component--term-text\"><p>A Guarantor co-signs on a loan stating the borrower is able to make the payments, but if they miss any or default the Guarantor will have to pay.\r\n\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/LIBOR.png\" alt=\"Stocks Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>LIBOR <\/span><\/div><div class=\"glossary-component--term-text\"><p>LIBOR is the London Inter-Bank Offered Rate which is the benchmarker for the interest rates in London. It is an average of the estimates interest rates given by different banks based on what they feel would be the best interest rate for future loans.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Home-Equity.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Home Equity Loans <\/span><\/div><div class=\"glossary-component--term-text\"><p>Home Equity Loans is where you borrow the equity from your property and pay it back with interest and fees over an agreed time period with the lender.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Debt.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Debt Consolidation <\/span><\/div><div class=\"glossary-component--term-text\"><p>Debt Consolidation is when you take out one loans to pay off all others. This leads to one monthly payment, usually with a lower interest rate.<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Federal-Student.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Loan<\/span><\/div><div class=\"glossary-component--term-text\"><p>If you obtain a Student Loan to pay your way through College then you loan is held with the Department for Education U.K.\r\n\r\n\r\n<\/p><\/div><\/div><div class=\"glossary-component--term\"><div class=\"glossary-component--term-image\"><img decoding=\"async\" src=\"https:\/\/learnbonds.com\/uk\/wp-content\/uploads\/sites\/2\/2020\/03\/Broker.png\" alt=\"Loans Glossary\"\/><\/div><div class=\"glossary-component--term-title\"><span>Student Grants<\/span><\/div><div class=\"glossary-component--term-text\"><p>Financial Aid in the form of grants is funding available to post-secondary education students throughout the United Kingdom and you are not required to pay grant<\/p><\/div><\/div>\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\n<h2 id=\"faqs\">FAQs<\/h2>\n<div class='man_faq_sec' itemscope itemtype='https:\/\/schema.org\/FAQPage'> <\/time><time itemprop=\"dateModified\" datetime=\"2020-02-05 13:56:11\"><\/time><script>jQuery(document).ready(function() {\r\n\t\t\tjQuery('.accordionButton').on('click', function() {\r\n\r\n\t\t\t\t\/\/REMOVE THE ON CLASS FROM ALL BUTTONS\r\n\t\t\t\tjQuery('.accordionButton').removeClass('on');\r\n\t\t\t\t\t\r\n\t\t\t\t\/\/NO MATTER WHAT WE CLOSE ALL OPEN SLIDES\r\n\t\t\t\tjQuery('.accordionContent').slideUp('normal');\r\n\t\t\t\r\n\t\t\t\t\/\/IF THE NEXT SLIDE WASN'T OPEN THEN OPEN IT\r\n\t\t\t\tif(jQuery(this).closest('.ms_faq').find('.accordionContent').is(':hidden') == true) {\r\n\t\t\t\t\t\r\n\t\t\t\t\t\/\/ADD THE ON CLASS TO THE BUTTON\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionButton').addClass('on');\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\/\/OPEN THE SLIDE\r\n\t\t\t\t\tjQuery(this).closest('.ms_faq').find('.accordionContent').slideDown('normal');\r\n\t\t\t\t} \r\n\t\t\t\t\t\r\n\t\t\t\t});\r\n\t\t\t});\r\n\t\t\t<\/script><section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What is a bad credit payday loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">This refers to a short term loan service advanced to individuals with a bad credit score based on salary income. In most cases, the amount advanced is only a percentage of the individual\u2019s monthly salary and is supposed to be paid back during the next payday.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Must I settle the full loan amount during the next payday?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">In theory, YES. The bad credit payday loan should be paid back immediately the next salary check clears. However, most payday loan lenders have embraced more flexible payment terms and offer extended payday loan repayment periods based on the amounts advanced. On our list of best bad credit payday loan providers, Peach has the shortest repayment period at 15 days while On Stride Financials has the most extended repayment period of 3 years.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">How long does it take for the payday loan to be approved and deposited into my account?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Different payday loan direct lenders have different approaches to loan processing. They, however, are faster than conventional banks and will almost always process all loan applications during the same day they were accepted and deposit cash into your account within minutes \u2013 average 15 minutes \u2013 of loan approval.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">What are the maximum amounts I can get for a bad credit payday loan?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">The maximum amounts you can get for a bad credit payday loans vary from one institution to another. Some have a solid limit to what they can advance a first-time applicant while others don\u2019t. The bottom line to either is that if you are looking for higher loans, you must prove your ability to repay in the form of solid salary income and no other debt obligations.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Will my bad credit payday lender run a credit score check?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Check through the fine print of the bad credit lenders loan terms to see if they explicitly commit to not pulling out your credit score report. Note that this is different from the statement \u2018we don\u2019t just consider your credit score in determining your eligibility for a payday loan\u2019 as most will still conduct a soft credit score check.<\/p>\r\n                <\/div><\/div><\/section>\n<section class=\"ms_faq ms_card \" ><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordionButton\"><h3 itemprop=\"name\">Can timely bad credit payday loan repayment help improve my credit score?<\/h3> <\/div>\n<div class=\"accordionContent\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" style=\"display:none;\"><p itemprop=\"text\">Yes. Note that even though most bad credit payday loan service providers will lay too much emphasis on your credit score when determining your eligibility, most will help you rebuild your bad score or build a new one if you don\u2019t have any by sharing your loan and repayment information with the bureau.<\/p>\r\n                <\/div><\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Best 8 Payday Loans for Bad Credit For 2020 in UK<br \/>\nWe breakdown the payday loan application process and introduce to you the 8 best providers. Get upto \u00a35k today<\/p>\n","protected":false},"author":617,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-699","page","type-page","status-publish","hentry"],"acf":{"show_disclaimer":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best 8 Payday Loans For Bad Credit For 2025 | LearnBonds<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/learnbonds.com\/uk\/payday-loans\/bad-credit\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best 8 Payday Loans For Bad Credit For 2025 | LearnBonds\" \/>\n<meta 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