Warning: Late repayment of payday loans can cause you serious money problems. For help, go to moneyhelper.org.uk

Rates from 12.9% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months. 

Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% Representative APR: 79.5% (variable)

Please note: We are a broker, not a lender, and do not make credit decisions.

Subject to application being approved by the lender. Not all lenders are able to provide up to £5000

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SAME DAY LOANS With Bad Credit In the uk

In need of a same day loan with bad credit in the UK? Hopefully, here at 1st Class Loans, we can help you find a financial solution. In order to help you make the right decision, we have listed all of the pros and cons of taking one of these out.

It’s important that you only ever take these types of loans if you have checked all other possibilities of finance first. These should only ever be taken as the last resort.


  • Instant cash – If you do find yourself in a tight situation where you need instant access to cash, then getting a same day payday loan through 1stclassloans.co.uk could see you have the money in your account the same day*. It’s not quite ‘instant’ but it’s still great for those emergency situations.
  • You can still get a same day loan with bad credit – Many of the direct lenders who our partner works with specialise in bad credit. So even if you have very bad credit you may still be able to get a loan.
  • Soft search technology – Getting a quote through 1st Class Loans won’t leave a footprint on your credit score. For more information about no credit check quotes and soft search technology please visit out no credit check loans page
  • We don’t store your data – If you apply through 1st Class Loans, we don’t store any of your personal details.


  • High-interest rates – It’s no secret that taking same day loans with bad credit will lead to high-interest rates. This is because they’re built for short-term borrowing. A useful tip to help you get the best rates is to shop around or to get a payday pingtree loan. Pingtree loans can guarantee to get you the best rates available to your circumstances from a large panel of lenders.
  • Reputation – Online same day loans had a very bad reputation before the FCA stepped in and rightly so too. However, the payday loan industry is now one of the most regulated industries. Before the FCA were involved lenders and brokers were charging extremely high rates and plenty of hidden charges. Now, thanks to the FCA the industry has changed for the better.
  • CCJ for failing to repay your loan – If you fail to repay your loan will you find yourself with a very bad credit and in some cases a CCJ. We recommend that you only take the same day payday loan if you can afford the repayments. It is also important to only borrow the amount of money you need, don’t borrow more ‘just for the sake of it’ as you will pay more in interest back. Also, pay the loan back as soon as you can – the longer you borrow money the more you will pay back in interest.

FAQs About Same Day Loans With Bad Credit Online

Can you get same day loans with bad credit online?

Yes, you just need to find a same day loans direct lender. If you’d like, you can get a quick quote by clicking the button below, and we’ll help you out.

Who does same day loans online?

We can help you find a same day loans direct lender offering quick money, for free. Going about this yourself can be difficult, but it doesn’t have to be when you work with us.

How do same day loans online work?

  1. Apply online at 1st Class Loans
  2. We’ll match you with a same day loan direct lender
  3. If accepted, the same day loans direct lender will send you the money the same day, as long as you have applied before 9pm (in most cases). Some lenders will still be able send you the money after 9pm, but not all.

Do you offer same day loans for people on benefits?

Some same day loans direct lenders will do this for customers on benefits but this will also depend on your credit score. There is no guarantee you’ll be accepted. No company can offer guaranteed loans.

Final Thoughts On Same Day Payday Loans With Bad Credit

We hope that the information provided to you about same day payday loans with bad credit has helped you in making the right decision. These shouldn’t be taking out lightly and they should only be used for emergency cash situations.

These can easily spiral out of control if you’ve not taken the time to consider the risks and the affordability of the repayments, causing you to face serious financial trouble. So please be sure to read all the terms and conditions provided by the lender and only commit to the loan if you’re 100% sure that you can repay it in full and on time.

If this is the approach you want to take, we can help you find the top same day loans direct lender online in the UK, and we can help you get the money you need with a great rate.


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Warning: Late repayment of payday loans can cause you serious money problems. For help, go to moneyhelper.org.uk.