Payday Loans UK | Quickly Apply Now with Good or Bad Credit

Badger Loans Customers Be Aware...

We are aware of a scammer targeting some of our customers who have come to us, after having given their email address unknowingly to a bad credit phishing or clone site. They are then being targeted by a scammer who has stolen our identity and pretends to offer them a loan then demands money up front to complete the loan. They are using a London address with Badger Loans contact details.
*We never call our customers nor do we lend money but we occasionally email our customers inviting them to reapply for a loan if previously unsuccessful. We NEVER ask for money either before or after completion of a loan. Nor do we provide car finance. We are brokers not lenders. NEVER hand over money to anyone claiming to be from Badger Loans.
*Please do not hand over any money. The police and FCA have been informed and are investigating. If you have lost money to the scammer please call Action Fraud on 0300 1232040 or the Financial Conduct Authority on 0800 111 6768. Apologies for the inconvenience. In the meantime the site is safe to use.

Payday Loans UK
Quickly Apply Now with Good or Bad Credit

Payday Loans UK

Payday loans are commonly used to pay for any pressing bills or emergencies, helping you to receive money quickly and with the flexibility to repay between 1-60 months.

Customers can apply for up to £25,000 through Badger Loans and receive an almost instant decision. 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. We work with up to 30 payday direct lenders and we will match your application with the lender most likely to approve you and offer the best terms.

To apply for a payday loan today, simply click on apply now and complete our online application form in less than 5 minutes. Want more info on Payday Loans? Check out our blog post here.

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What is a Payday Loan?

A payday loan used to be designed to pay for any immediate bills or expenses and essentially last until your next ‘payday.’ Previously, the loans would only last for 2 to 4 weeks and you would repay in full the day that you get paid your salary from work. Today, payday loans have become more like regular unsecured loans. Your loan is subject to status and does not require you put down any form of collateral.

These days customers can apply for payday loans that are more flexible, with the option to spread repayments over 1-60 months, giving you more breathing space.

Badger Loans works with a list of direct payday lenders so that you are able to receive funds and make repayments with a responsible lender. This ensures that there are no upfront fees, hidden charges and your data is not passed onto multiple companies without your consent.

What is the Eligibility Criteria?

  • Over 18 years of age
  • Full-time UK resident
  • Employed with a regular income
  • Can afford monthly repayments
  • Valid UK bank account, mobile and email address

Why Apply for Quick Payday Loans UK with Badger Loans?

With so many payday lenders in the UK, it can be hard to find the best one or the best approval rates. Rather than the hassle of going to multiple lenders and filling in numerous applications, we have simplified this by providing a loan-matching system that will take your loan requirements and credit status and pair you with the lender most likely to approve you.

The process from Badger Loans will save you time, effort and keep your personal details as secure as possible.

We only work with FCA regulated lenders and assess every lender before they are included on our panel to ensure that they are committed to responsible lending and treating customers fairly.

Apply for Payday Loans without a Guarantor

We offer payday loans with no guarantor, so you do not need an extra person to co-sign your loan agreement and you can simply apply directly with the lender and no other people involved.

Not everyone wants to use a guarantor or have another person involved in their private finances. Hence, we offer a no guarantor payday loan so you can apply individually for a loan.

How Do Repayments Work for Payday Loans?

Payday loans are repaid in monthly instalments over the loan duration of 1 to 60 months. With equal repayments, you know exactly how much you are repaying in interest each month and can put money in your bank account ready for collection.

Collections are made via a process called continuous payment authority or direct debit which automatically collects the exact amount owed each month from your bank account. This means that you do not have to make a manual payment, go to the bank or call up the lender to make a payment since this is all taken care of.

You can choose which day you would like repayments to be made, with most customers using their payday from work. This is when they are mostly likely to have money in their account, whether it is the last working day of the month or a specific date.

You have the option to repay early at any time, just contact the direct lender to do so. You will often save money by repaying early since you are accruing less interest overall.

No Refusal Payday Loans UK Direct Lenders

The first thing we should do is clear up any misconceptions about the types of loans on offer here in the UK. Is it possible to get a ‘no refusal payday loan’ ? The answer is no. There are no lenders in the UK who offer loans on a ‘no refusal’ basis.

Like ‘no credit check’ loans and ‘guaranteed’ loans, they don’t exist either. Payday loans have traditionally been easier to obtain than other loans due to their short term nature and willingness to lend by the lender. Please don’t let that confuse you with them being offered on a ‘no refusal’ basis though. You will still have to show you can afford the repayments, most likely prove your income and show an understanding of the product you are applying for.

Although payday loans can have higher acceptance rates compared to other loans, there is no such thing as ‘no refusal’.

Why Apply For A Personal Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need a Personal Loan
  • Good or Bad Credit
  • With or Without Guarantor

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

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