Same day loans for bad credit

Are you in need of a fast cash loan but also worried because you have a poor credit history? Then same day loans for bad credit could be the ideal solution.

Looking for same day loans for bad credit?

Whether you are unemployed, on benefits or have some question marks on your credit history files, it may be possible to gain access to a same day loan.

However, random applications are not likely to yield fast results. In fact, you could scupper your chances of getting accepted altogether should you unwittingly leave a trail of failed applications visible on your credit file.

It is absolutely imperative that you approach providers who you know will likely be sympathetic to your unique circumstances — such as those offering loans for bad credit.

Of course, most people are unlikely to know just who those providers are. Fortunately, specialist companies like Instant Lolly can assist with things such as same day loans for bad credit and similar situations.

Get £100 to £3,000 paid out by 3:57 pm

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(It won't affect your credit score)
Representative 669.35% APR (variable)
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Is a bad credit loan right for me?

The nature of credit history files

Some credit history issues? Don’t give up!

Here's why:

  • credit databases contain vast amounts of information. Much of it will be of no interest to same day loan providers;
  • in fact, glitches on credit history records are comparatively common. They might not in any way stop you from gaining access to the funds you need through what are called bad credit loans;
  • that’s because some same day loan providers will have seen all of these issues before and will not be put off by them. They know that past events don’t necessarily say anything about someone today.

Have you been declined due to poor credit?

True, where you have very poor credit records, some providers might decline your request for funds. However, some won’t — though they might ask you to pay a little more for your borrowing to reflect the higher risk they might be taking in advancing money.

The bottom line here is simple. There are lenders of same day loans for bad credit out there who may be able to help.

The facts

At times you may see advertisements using terms that are confusing. Some examples of those, with an explanation attached, are below:

  • same day loans with no credit check. This is simply advertising designed to catch your eye. It refers to something that does not exist. All reputable lenders will try to verify that you can afford to repay the sums you are borrowing. That will inevitably involve a credit check;
  • same day loans with no guarantor. In many cases, the loan provider may not ask for any form of guarantor — that is someone who confirms they would repay the loan in the event you defaulted. However, if you do have a very poor credit history, some providers may request the involvement of a guarantor;
  • guaranteed same day loans. Although direct lenders often make allowances for bad credit, they must take all reasonable steps to try and ensure borrowers can afford the scheduled repayments. Not everyone will pass those affordability checks, so loans can never be guaranteed;
  • same day loans on benefits. Some providers will require evidence that you have employment income. Yet others may be more relaxed and will be willing to take into account income you might receive from regular benefits of one form or another;
  • same day loans for unemployed. In spite of some uninformed rumours to the contrary, it may be possible to secure a same day loan if you are unemployed. A lot will depend upon the individual lender’s policies and whether or not you have other sources of income, such as benefits or a pension.

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example

Why you'll love our same day loans

Are you looking for same day loans for bad credit online because you want something that is quick and easy to apply for? Then we think you’ll love Instant Lolly.

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

Flexible borrowing

Choose the ideal loan amount and repayment term for your needs. We offer loans from £100 to £3,000 over 1 to 24 months.

High acceptance — great approval rates for people with good and bad credit.

High acceptance

Simply 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

We'll give you a decision in seconds, and you could get money sent to your bank as soon as 15 minutes after approval.

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!

How Instant Lolly can help

Instant Lolly specialise in matching borrowers to loan providers.

We will work to ensure that your requirements are only put in front of lenders that are likely to be receptive. We can’t guarantee your acceptance in advance, but we may be able to significantly increase your chances of seeing a successful outcome.

So, if you are seeking same day loans for bad credit (or you just need help finding a loan), then we're here to help.

Can I apply?

To apply you must:

  • be at least 18 and a permanent UK resident;
  • receive a regular income, such as a wage, a pension or benefits.

You will also need:

  • a mobile phone and email address;
  • a UK bank account with a debit card.
We respect your privacy and will never use, sell or share your information for marketing purposes.

Worried about bad credit? Find out if you'll be accepted in under 5 minutes

(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; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit; 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.