High acceptance payday loans

Many people search for high acceptance payday loans, but with the results awash with direct lenders and brokers claiming to offer the ‘highest approval rates’, where do you begin?

What are high acceptance payday loans?

High acceptance loans are simply loans that cater for bad credit, the most common type being high acceptance payday loans.

However, you will come across two quite different definitions of ‘high acceptance’ (the one used by direct lenders and the other by credit brokers). Here, we'll explain the difference and how each might impact your chance of approval.

High acceptance payday loans direct lenders

When we refer to high acceptance payday loans from direct lenders, we mean that high approval direct lenders generally accept a greater percentage of applications compared to banks and other mainstream loan providers.

Payday lender scoring criteria is typically less limiting than the banks, enabling people with lower credit scores and some bad credit to be approved for payday loans — not just those with good credit.

High acceptance payday loans brokers

In the case of brokers, high acceptance refers to the fact that your application is sent to a number of suitable lenders in one go. In theory, the more lenders that see your application, the better the odds that you will get approved.

It works because every lender has a different policy for credit scoring, so if you don’t meet the criteria of one lender you may still be able to get credit from someone else.

So, where can you actually get the best acceptance rates?

While individual direct lenders might offer higher approval rates than banks, brokers are able to offer the highest acceptance rates. Simply put, applying with up to 50 targeted lenders through a broker will always be more effective than applying with just one.

So, if you choose to eliminate brokers from your results by using a search term such as "payday lenders, no brokers", you could be obstructing your own chance of approval.

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What high acceptance loans are NOT

You now know what high acceptance loans are, but it’s equally important to understand what they are not:

Are high acceptance loans guaranteed?

No, they are not. While bad credit loans can increase the chance of approval for people with poor credit, acceptance is not guaranteed. To comply with financial regulations, all UK direct lenders must carry out creditworthiness and affordability checks, and not everyone who applies will meet the criteria, so lender approval rates can never be 100 percent.

What about ninety-plus percent accept rates?

When a credit broker claims to offer 'almost guaranteed' — 92%, 95% or even 97% — accept rates, they are in fact, quoting the percentage of applications accepted by the whole of their buyer panel, not the percentage accepted by lenders. In addition to direct lenders, the buyer panel usually includes brokers and other non-lenders, so the real approval rate (people who get offered a loan) is typically much lower than the headline figures some brokers claim.

In our opinion, any company claiming to offer a ninety-plus approval rates is deliberately misleading applicants about their chances of approval. It’s a sign that the company may be less than reputable — and you may want to think twice before applying with them.

High acceptance loans from Instant Lolly

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose an amount and repayment term that's right for you. We offer loans from £100 to £3000 over 1 to 24 months.

Help to get accepted — loans for people with good and bad credit.

Help to get accepted

Fill out our short form and we'll ensure your application reaches all the right lenders for the best chance of approval.

Fast funding — loans with quick decisions and speedy money transfers.

Fast funding

You'll get a decision in seconds and money transferred to your bank as quick as 15 minutes once you're approved.

Online convenience — access the best UK direct lenders in one place.

Online convenience

Apply securely online: 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's totally FREE too!

Is a high acceptance payday loan right for me?

High acceptance payday loans could be suitable for you if you have poor credit, a limited credit history or your personal circumstances make it harder to get accepted for regular credit products.

Instant Lolly works with an extensive panel of specialised high approval direct lenders, all of whom you can access with one simple application. If you need to arrange a payday loan up to £3,000 but don't fancy the thought of going it alone, then we’d love to help.

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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.co.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.