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Which payday loan is
best for people with
bad credit?

Which payday loan is best for people with bad credit?

Strong Service Benefits

Our loans offer people with a bad credit history or no credit at all a chance to get a personal loan. With loan repayments made on time and in full our loans could help people to correct their credit score or create a good score if they have never had credit before.

Easy and Secure Application

Quick approval Process

Contactable by Email

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Finacerr is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances

Cash Loans to your Door for Unemployed

Are you in dire need of a loan? Are you unemployed and currently find it very hard to look for a reliable financing? Are banks loans simply too difficult for you to avail? If the answer to all these questions is a yes, then what you need is a legit cash loan lender in the UK that will cater your needs. This lender will offer you safe, flexible, and convenient door step loan options and you don’t even have to leave the comfort and privacy of your own home in obtaining them.

Cash Loans to Your door – For Unemployed Customers

Door step loans are in many ways similar to payday loans in that they are both short-term, unsecured type of loans that are offered to a wide array of customers including those that are unemployed and with poor credit histories. With door step loans, however, you don’t have to go into a store or go online and prove your identity since you will work face to face with an Agent who will assist you in every step of the way. And there is no need to spend time and energy faxing documents too when you’re planning to obtain a door step loan. What’s more, once your loan application is approved, you will receive the money right away, delivered right through your door steps by a friendly, local agent.

Easy and Fast Application

Doorstep loan lenders don’t like wasting time that is why they have designed the application process for potential borrowers to be as easy and effortless as possible. There is not a single paperwork involved when taking out this loan. Often, the online application and the Agent’s home visit is enough to grant you the loan and work out a reliable credit agreement. Ultimately, it is an application process that is uniquely convenient. And it’s also very fast too. After you have submitted your application, it would only take an hour or two of waiting to receive a response from your lender. A customer service agent will contact you and arrange the details of the Agent who will visit you in your home. All in all, here are some of the perks

that you will normally enjoy with this credit option:
The money is delivered to your door steps

No shred of paperwork involved in your application
Flexible repayment terms and services
Instant response time and approval decisions
Depending on the lender, the number and type of exclusive perks that you will enjoy may vary. But whatever lender it maybe, taking out a door step loan will always be a genuinely easy and fast process where everything from start to finish, will be accomplished in the comfort and privacy of your own home.

Some of the Requirements

There are a few requirements that you need to be aware of to become eligible for a door step loan and depending on the lender, they may include:
Must be 18 years old or older in the onset of your application
Must reside in the UK and have a National Insurance Number
An active bank account where salary, wage, and benefits are deposited
Ultimately, it is relatively easy to become eligible for this type of loan since they are offered to almost anyone as long as they are residents of the UK. They can even be availed by unemployed or disabled borrowers who are in need of a convenient credit alternative.
How You are Evaluated
Your eligibility for the loan will ultimately boil down to your personal circumstances since it will play a major role in determining your financial capability to afford the loan and its repayments. This makes the presence of an agent extremely vital in the entire process of obtaining credit. This is because a real human being will make the decision and evaluation rather than a computer utilizing a programmed formula. With a real live human being, you can explain your present circumstances better and together with your agent, you can work out a credit deal that will work well for you and your lender both in the short run and in the long run.
It would also be easy for an agent to understand what you are going through financially in your life. Whether you have a poor or none-existent credit history, unemployed, or bankrupt, you will still be able work out a comfortable loan with your agent. The agent will not judge you on your present circumstances and will strive hard to find a credit solution that can ultimately benefit you and the lending company.

See How Our Competitors Compare

Loan amount
£100 - £5,000
Loan term
1 Month - 5 Years
Great service all round.
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Loan amount
£50 - £500
Loan term
1 Day - 3 Months
Quick & Easy
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5 most recent personal loan reviews

Review of Totally Money

Hello, I would like to say how quick, simple and relatively easy to apply for the loan can be. The person who phoned me was very polite and any questions that I needed to ask were answered quickly and easily, they were very knowledgeable and I would recommend them to anyone. I don't think they could be better personally. And the money transfer is really fast and it was all sorted out that day.

Review posted by Stephen Hancock, Leeds

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

Review of Chirpy Loans

My partner needed a loan asap and after he was turned down by his bank for a loan and several other banks, we felt we should give Chirpy loans a try. 15 mins after filling out the application, someone called up and approved the loan within minutes. The girl was super friendly and made sure we would be able to pay the loan back. Its great that they believe in you.

Review posted by Nicola Bird, Oxford

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

Review of My Jar

At a time I needed financial help, My Jar loans took me through everything I needed to know and bent over backwards to get the money requested to me in the shortest time, really good service. Strongly recommend them to anyone.

Review posted by Peter Middleton, Barnstaple

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from TrustPilot.com for authentic quotes.