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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

Tips to get The Best Unsecured Loans

There are certain concerns you should consider when buying unsecured loans. It is important that you get the best rate to achieve the best benefit. People often search for such loan especially to those who needs immediate cash that will pay their debts in time.

Unsecured loan is the kind of loan which does not need any collateral. It is actually a personal loan. With this loan, you don’t need any co-guarantor to get approval. The said loan is provided as lump sum and with this you have to pay it through installment. However, unsecured loan is only good when provided to you as lump sum and when it’s gone, it is all gone.

One of the most common types of unsecured loan is the payday loan which only needs your electronic signature. It is the solely proof you need to get approval. Through your bank account, the lender will deposit your loan through it. You will need to pay back the loan on your next payday once you get your paycheck. However this kind of loan has high interest. This is the reason why you should pay back the loan as soon as possible so as not to earn more interest. With this, payday loan is advisable only for emergencies.

Another most common type of unsecured loan is credit card. The balance amount you acquire should be paid within the month or else there will be a certain amount of interest which you need to pay as well to avoid penalty. However the interest is quite high so it is advisable not to have overdue bills.
Getting approval is not that easy. There are lots of things to be considered first. One best way to get fast approval is to have a clean credit line. It will also help to get or apply for department store cards. The record from this kind of credit line will then be submitted to the credit bureaus. Once they proved that you are a good payer then chances are you will get approval on your loan.

See How Our Competitors Compare

Loan amount
£100 - £5,000
Loan term
1 Month - 5 Years
CUSTOMERSCORES
Great service all round.
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Loan amount
£50 - £500
Loan term
1 Day - 3 Months
CUSTOMERSCORES
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.