Looking for guaranteed payday loans?

Sorry to be the bearer of bad news, but there's no such thing as guaranteed payday loans. Despite claims made on some unreliable websites, the idea of 90%+ lender approval rates is just an exaggerated payday myth.

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(It won't affect your credit score)
Representative 669.35% APR (variable)
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The good news is that Instant Lolly can help you get the loan you need even when your credit history isn't great; we offer a real alternative to guaranteed payday loans.

The truth about guaranteed loans

You won't find any lenders that guarantee acceptance — it would be downright irresponsible and bound to attract unwanted attention from the Financial Conduct Authority (FCA).

There's no escaping the fact that your credit history and finances will be subjected to close scrutiny. You'll need to the pass the lenders credit scoring, which will involve a credit check, and show that you can comfortably afford to repay the debt.

Nothings guaranteed but loans for bad credit may be available to you.

Beware of the man bearing guaranteed loans

So why do people claim that they can arrange guaranteed loans when they obviously can't?

  • Some subpar brokerage firms make claims of 100% acceptance or ridiculously high approval rates to get you to apply; none of it true. The fact that they're happy to spin you lies from the outset should be a warning that the company is less than reputable.
  • We also know that guaranteed payday loans are used as clickbait on illegal payday loan sites. These sites don't have authorisation to carry out consumer credit actvities and could be linked with loan sharks and criminals.

So if anyone claims they can sort you out with a guaranteed loan, run the other way because they're more likely to stitch you up than fix you up.

Use the Financial Services Register to sort the good from the bad and the ugly

If you're thinking of applying for a loan online, make sure you know who you're dealing with and ensure that they're correctly authorised.

Any firm involved in payday loans in the UK should appear on both the Financial Services Register (FSR) and the Data Protection Register.

The FSR is a great weapon to have in your armoury — not only can you check that the website is correctly authorised, you can also find useful information about the operators, including owner names, physical address and contact details.

How to check the Financial Services Register

  1. Find the firm reference number (FRN) on the payday website — usually located inside the website footer.
  2. Open the register and locate the firm using the FRN.
  3. Under the basic details, check the current status is Authorised.
  4. Under the trading names, check the site name (Instant Lolly or InstantLolly.co.uk) is listed as belonging to the firm.

If the site doesn't display an FRN, the firm isn't registered as Authorised or the website isn't listed as a trading name, it may indicate that the site doesn't have the correct authorisation.

Guaranteed payday loan alternative

So, having established that guaranteed loans don't exist and there's no hiding from a credit check, what options are available if you have bad credit?

At Instant Lolly, we believe we can offer you a real alternative. We work with a wide range of high acceptance payday lenders, who may be able to help, even if you don't have a perfect credit history.

How do I apply?

There are no guarantees but we'll do our best to find you a responsible lender who specialises in bad credit loans and is sympathetic to your circumstances. You don't have to be in full-time employment to apply but you will need to have a regular source of income you can use to repay the loan (minimum £500 per month).

You can borrow up to £3000 over 1 to 24 months and apply any time that suits you, 24 hours a day, seven days a week. Our service is free for customers to use and there are no hidden costs.

Instant Lolly is an established UK credit broker, authorised by the FCA and registered with the Information Commissioners Office. We also incorporate the latest security technology into our website, including a secure (SSL) browser connection to help keep your information safe through the application process.

While we can't always guarantee that your loan application will always be approved by a lender, we can give you our assurance that you'll always be treated right when you apply with us.

100% certainty before you apply Check your eligibility in minutes without affecting your credit score

(It won't affect your credit score)
Representative 669.35% APR (variable)
Representative Example: £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).

Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit www.mymoneysteps.org; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers following an introduction through this website.