Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Sometimes life throws you a curveball – a broken boiler, a flat tyre, or an urgent bill you didn’t see coming. That’s where a payday loan from Badger Loans can help. Our straightforward online application takes just a few minutes, and you’ll usually receive a decision within moments. If approved, the money can be in your account the very same day, helping you bridge the gap until your next payday.
We know that not everyone has a perfect credit history, and that’s okay. What matters most is your ability to repay the loan now, not your past mistakes. That’s why we look at the bigger picture when reviewing your application — not just your credit score. Whether you’re facing a temporary cash flow problem or need a little breathing room, Badger Loans is here to make the process fast, fair, and stress-free.
Badger Loans works with a list of direct, FCA authorised, payday lenders. This means you are able to receive funds and make repayments with a responsible, regulated lender. This also ensures that there are no upfront fees, hidden charges and your data is not passed onto multiple companies without your consent. Please always remember that payday loans are loans of last resort. You should try elsewhere first before applying and only apply after having made some crucial checks. Those checks include that you are on an FCA approved site and that you have checked all other avenues of finding money. Last but not least, NEVER take out a rollover loan, they are the loans that can trap you in debt for the next 20 years if you are not careful. Always repay one loan before taking out another.
Customers can apply for up to £15,000 through Badger Loans and receive an almost instant decision. Loans are available from 1-60 months. Subject to further checks, you could potentially receive funds within 1 hour or the same day of applying. More likely you will receive your money within 1-2 working days. To get money quickly your bank would need to use Faster Payments.
These days customers can apply for payday loans that are more flexible. You have the option to spread repayments over 1-60 months, giving you more breathing space.
If that sounds like you, you’re eligible to apply today!
Badger Loans works with a panel of up to 50 lenders in the UK. This helps you improve your chances of being approved for a short term loan and getting access to the funds you need faster. With each lender having different requirements, you can maximise your chances of approval through Badger Loans. Every lender on our panel has been reviewed and vetted to ensure that they are fully authorised, regulated and trustworthy. With no upfront fees, you can receive an almost instant decision in up to 5 minutes and if successful, can receive funds on the same day. Sometimes within a few hours. We will not pass on your information to any other companies without your permission.
Yes, you can still apply even if you have a poor credit history. At Badger Loans, we understand that life happens — missed payments or financial hiccups in the past shouldn’t stop you from getting help when you need it most. Rather than focusing solely on your credit score, we look at your current circumstances, including your income and ability to repay the loan comfortably. Every application is assessed on its own merits, so having bad credit doesn’t automatically mean you’ll be turned away.
Our goal is to offer fair and responsible lending to people from all walks of life. If you’re employed or have a steady income, you still have a strong chance of being approved, even if your credit isn’t perfect. And don’t worry — applying won’t affect your credit score, as we only run a soft check during the initial assessment.
Payday loan repayments are usually taken in one lump sum on your next payday, but in some cases, we may offer flexible options depending on your needs. When you apply, you’ll see the full cost of the loan upfront, with no hidden fees or surprises. Everything is clearly outlined so you know exactly what you’ll be repaying and when.
Repayments are typically collected automatically from your bank account using a Continuous Payment Authority (CPA), so there’s no need to worry about missing the due date. If you’re able to repay early, you can — and that could save you money on interest. We always recommend borrowing only what you need and ensuring that the repayment fits comfortably within your budget. If you’re ever unsure or your circumstances change, we’re here to help.
Get your decision in minutes and, if approved, receive your funds within the hour. Applying won’t affect your credit score.
Payday loans often get a bad reputation, but they can be helpful when used responsibly. They’re designed for short-term financial needs — like covering an unexpected expense before your next payday.
The key is to borrow only what you need and make sure you can comfortably repay it on time. At Badger Loans, we promote responsible lending and provide full transparency so you understand exactly what you’re borrowing and when it needs to be paid back.
A legitimate payday lender will be authorised and regulated by the Financial Conduct Authority (FCA). You can check their credentials on the FCA register online before borrowing.
Legitimate lenders will never pressure you to take a loan or ask for upfront fees. At Badger Loans, we only partner with trusted lenders who are fully compliant with UK regulations and committed to ethical lending practices.
A payday loan is a short-term loan designed to help you cover urgent expenses until your next payday.
It’s typically a small amount borrowed over a short period — often a few weeks — and repaid in full on your next payday. These loans are intended for temporary financial gaps, such as emergency repairs, medical costs, or unexpected bills. At Badger Loans, we aim to make the process fast, clear, and straightforward.
The application process is designed to be quick and hassle-free. Filling out the online form takes just a few minutes, and you’ll usually receive a decision within moments.
If approved, funds could be in your account within the hour. Our goal is to help you access the money you need as fast as possible, without unnecessary delays or paperwork.
Yes, payday loans can be safe — as long as you’re borrowing from a reputable and regulated lender.
At Badger Loans, we work only with FCA-authorised lenders who are required to follow strict rules that protect you as a borrower. Your personal information is kept secure, and the loan terms are made clear upfront so there are no hidden surprises. Safety comes down to choosing the right lender and understanding your agreement.
Every application is reviewed on a case-by-case basis, so we can’t guarantee approval — but we do aim to help as many people as possible. Your chances improve if you have a steady source of income and can demonstrate your ability to repay the loan on time. Even if you have a poor credit history, you may still be eligible. Our process is quick, fair, and doesn’t impact your credit score during the initial check.
They’re similar, but not quite the same. A payday loan is a type of short-term loan that’s usually repaid in full on your next payday.
In contrast, other short-term loans may offer more flexible repayment plans over several months. Both are used to cover immediate financial needs, but the repayment structure and terms can differ. Badger Loans offers access to both, depending on what works best for your situation.
Repayments are usually collected automatically from your bank account on the agreed date using a Continuous Payment Authority (CPA). This means the repayment is taken directly, so you don’t have to remember to make manual payments.
You’ll be shown the full repayment amount and schedule upfront, and if you want to repay early, that’s usually an option too. Everything is designed to be clear, simple, and stress-free.
