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SAME DAY PAYMENT

Same Day Loans With Bad Credit

No Fees
High Approval Rate
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Borrow a Loan From £100 – £5,000*

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Quickly Search Multiple Lenders To Find The Best Deal

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Most Loans Are Paid on the Same Day

Always Open

Apply Anytime, 24 Hours, 7 Days a Week

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Safe & Secure Online Technology

Rates from 12.9% APR to 1625.5% APR. The Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions.

A Guide to Same Day Loans – Discover Your Personalised Offers

Step 1
Application
Firstly, select the loan amount you want and how long you would like to borrow it for.
Step 2
Decision
Once you’ve submitted all your information, you will receive a fast decision. We'll show you your options from our panel of direct lenders – review and choose the offer that suits your needs!
Step 3
Cash
Finally, once you have accepted the loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 60 minutes.

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

Do you have an urgent need for cash and want to find affordable same day loans with bad credit? At LoanBird, we provide a rapid solution, perfect for emergencies that need to be resolved quickly or bridging short-term cash gaps until your next payday.

Our 24/7 online platform specialises in same day loans for bad credit, connecting you swiftly with a variety of lenders. Benefit from our free, FCA-authorised service, accessing over 30 FCA-approved direct lenders without any hidden fees.

With us, you can experience a smooth and speedy process. By completing just one application, we can show you multiple pre-approved offers from our lending panel, and once you find a suitable offer, you can receive the funds quickly once fully approved on the same day. Click ‘Apply Now’ for a fast, free, and convenient way to secure urgent same day loans.

a well dressed man showing a same day loans service with LoanBird

A Guide to Bad Credit Same Day Loans – Discover Your Personalised Offers

Using LoanBird to find same day loans with bad credit means you can save time, money, and hassle, and also protect your credit rating. We can offer you a wide variety of loan types to suit your every need, from bad credit loans to instalment loans that can spread the cost of borrowing for longer.

Using our panel of lenders, we can find the best rates for your circumstances, so whether you need urgent same day loans, a guarantor loan or would benefit from short term loans, we can help. What’s more, you don’t need to spend time learning about the different types of bad credit same day loans available. Simply submit one application telling us how much you need to borrow, and how long for, and we’ll match you up with the best same day loans in the UK for your needs!

If you’re specifically looking for a same day loan for bad credit, it’s the same easy process. We offer a flexible range of bad credit same day loans that are suitable for those with a less than perfect credit rating, and will only match you with the loans that you’re most likely to be approved for.

Same Day Loans Bad Credit Lenders

A bad credit same day loans direct lender in the UK is required to perform full credit checks. As a free-to-use broker, we can run a soft search which leaves no trace on your credit file. It also means you’ll have pre-approval for multiple same day loans for bad credit we show you. While we can’t guarantee approval, there’s a good chance we can match you to a suitable lender willing to help. We can help the vast majority of applicants find the ideal loan for them, and we’re confident we can do the same for you, assuming you’re not in financial difficulties and can afford the repayments throughout the loan term.

It’s very important that the information you provide on your application is accurate. If not, it could slow down your application for same day loans with bad credit or lead to you being turned down by your chosen lender. Getting your approved loan funds the same day is entirely possible, so if you have a poor credit history, don’t be put off as we may have a lender that can help you.

a laptop showing the benefits of getting a loan on the same day

Same Day Loans With No Credit Checks

Applying for multiple same day loans in the UK in the space of a few months can damage your credit rating. When you apply for same day loans from direct lenders, they will immediately run a ‘hard search’ credit check on your file, and a note of this will stay on your file for at least 12 months. Do this too often, and it will make it more difficult to be approved for credit in the future – whether that’s applying for payday loans with bad credit, or even a mortgage.

That’s why many people search for same day loans with no credit checks – although you should be wary of direct lenders offering these, as it could be a sign that they aren’t legitimate and unlikely to be authorised by the Financial Conduct Authority (FCA). If you are seeking no credit check loans, it’s best to be cautious and instead use our FREE to use platform to see which regulated lenders can help you today. It won’t affect your credit rating to see your lender offers and there is no obligation to continue with a lender offer if you don’t want to. If you do find an option ideal for you, only then will a hard credit check be performed by your chosen lender.

How to Apply For Same Day Loans

We’re able to offer same day loans for bad credit because the direct lenders we work with are fair and understanding. They know that maintaining your credit score is a difficult task and may not reflect your current finances or ability to afford a loan.

We don’t want to prevent you from finding urgent same day loans whilst looking to improve your credit rating, so we can help where possible match you to lenders that are happy to look beyond your credit score. To start an application, click apply now and follow our 3-step process:

  • Fill in our application form and tell us how much you want to borrow (between £100 – £5,000) and how long for (1 – 36 months).
  • We’ll assess your application quickly and provide a decision fast, so you won’t be left waiting for a decision on which lenders can help. This should take no longer than 3 – 4 minutes if we have all the relevant information we need.
  • Review your lender offers and choose the loan you want to continue your application with. Once you have accepted the loan offer and signed your digital paperwork, the loan funds will be transferred to your bank account the same day, sometimes as quickly as 10 minutes from signing.

Are You Eligible For Our Bad Credit Same Day Loans

Our bad credit same day loans are as accessible and fair as possible so that we can help many more people find a suitable loan today. With this in mind, our eligibility criteria to search your lender offers are as follows:

  • At least 18 years of age
  • A current resident in the UK
  • Hold a UK bank account with a valid debit card
  • Receive a regular income

You’re welcome to apply to find emergency loans for bad credit with LoanBird if you can meet the above and prove your affordability. Your income can be from full or part-time employment, self-employment, benefits or a pension. You will also need to provide proof of your identity, address, and the last three months’ worth of bank statements to help with the assessment process.

Your application will be assessed based on your affordability, which simply means whether you can comfortably afford the repayments you’ve chosen, based on your current income and regular outgoings. We’ll always make sure that you have extra money left for your living expenses too to ensure a loan is not beyond your means.

This is how we’re able to offer same day loans for bad credit responsibly – we would never want our customers to fall into financial difficulty because of a same day loan they’ve found through us.

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Benefits of Taking Out Same Day Loans:

  1. Instantaneous Cash

With same day loans, you can get cash in your account almost instantaneously, which can be a huge relief in case of an emergency. Many same day loan direct lenders have custom-built loan applications online that you can go through quickly to get a loan the same day.

  1. Simple Application

The application is relatively quick and efficient, plus easy to follow. Same day loans and the process of them are legally required to be transparent for the customer. You will be fully aware of what you’re getting into before signing or agreeing to any terms and conditions.

  1. They Are Convenient

The majority of borrowers of payday loans or bad credit same day loans use online services. You can apply for same day loans whenever you want and discover loans 24/7. You do not have to wait long for a decision, and you don’t have to speak to anyone either or wait for paperwork to be sent in the post.

  1. High Approval Rates

Offering a same day loans service carries a high approval percentage rate. It’s essential that you’ve filled out the application form correctly and have also provided the lender with all relevant and appropriate details. Same day loans are typically small amounts, so this quick process from same day loans UK direct lenders can be ideal when you need a small amount of cash to help.

  1. Customisable Options

Unlike other types of loans, you can easily customise your same day loan and figure out an amount and flexible repayment term that works best for you. You can then adjust as necessary to fit your budget once you’ve checked the interest charge and available offers.

someone working out their credit affordability

Loan Repayment Example

an infographic displaying how loan repayments work

 

Access our same day loans via one application, if you:

  • ARE 18 OR OLDER

The minimum age to use our service is 18.

  • LIVE IN THE UK

Must be a current resident of the United Kingdom.

  • HAVE A BANK ACCOUNT

You need an active UK bank account to allow the money to be transferred to you.

  • CAN AFFORD THE MONTHLY PAYMENTS

Only take out a loan if you can afford to meet the monthly repayments.

  • HAVE A REGULAR INCOME

You must have a monthly income to show you can afford repayments.

  • NEED SOME QUICK CASH

Online same day loans are one of the most efficient ways of borrowing.

Apply for Same Day Cash Loans Today

So, if you want a quick and easy way to find same day loans with bad credit online today, our FREE broker services are ideal for you. We can help you find same day cash loans successfully, and without risking your credit score to view your offers.

Simply fill in one application form and we’ll show you the best offers for online loans the same day available in the UK. All you need to do is choose the most affordable and flexible one for your situation.

If you have any questions about our same day loans for bad credit, please contact us today and we’ll be happy to help. Click Apply Now to find same day loans from direct lenders you can trust.

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

Apply for Same Day Cash Loans Today

So, if you want a quick and easy way to find same day loans online today, our FREE broker services are ideal for you. We can help you find same day cash loans successfully, and without risking your credit score to view your offers.

Simply fill in one form and we’ll show you the best deals for online loans the same day available in the UK. All you need to do is choose the best one for you!

If you have any questions about our same day loans for bad credit, please contact us today and we’ll be happy to help. Click Apply Now to find the best same day loans from direct lenders you can trust.

Same Day Loan FAQs

Our lenders can offer same day loans starting from 12.9% APR and once you have completed an application form, you can compare each lender’s offer to choose the terms you want to continue with. You could find a really good deal on same day loans for bad credit through us as we make it convenient to compare offers in one place. Some lender offers will vary with the APR offered as this will be influenced by the type of loan and how much you want to borrow. You may find some loan options will have a higher APR than others, so we recommend taking your time to compare your offers before proceeding.

 

There are no hidden fees when using our service, and it is completely FREE to search for offers to get a same day loan today. As we work alongside FCA approved direct lenders, the details of the loan you want are transparent so that you can make a financially savvy decision. We do not charge any brokerage fees to use our service either, and any commission we receive for introducing you to a lender is not part of your loan or charged to you. We know that some online loan lenders may charge you hidden fees by not disclosing all the details about the loan you’re applying for, but here at LoanBird, as we are FCA authorised credit brokers, we’ll ensure you can see all the details about the same day loans available.

You are not required to have a good or excellent credit rating to use our FREE online search. Our eligibility requirements ensure we can help many people find a same day loan option suitable for them, so if you are someone with a low credit score, you may still find the loan you’re looking for. Whilst it’s recommended to manage your finances to have as good a credit score as possible, if you do have the affordability to make repayments and have struggled to find lenders willing to help online, our smart search is available whenever you need it to help.

Having a good credit score is important in general, but there are lenders who are willing to help those with a poor credit history. Same day loans bad credit lenders will initially perform a soft search on your profile, and if your loan is approved, they will then carry out a hard search.

Lenders have to conduct a full credit check on all loan applications, so it is advised to not apply in too many places at once as it might end up bringing down your credit score further. Applying through us can help protect your credit score, as we’ll show you the best offers from our panel of lenders who are most likely able to help, ideal if you need a same day loan for bad credit.

Same day loans are often needed in a hurry, however, they may not be the best option out there for you. You should always read the terms and conditions carefully before signing any loan. There are a lot of other loan options you can explore first, and you can then make an informed decision that considers your current finances.

Most same day loans are no-obligation offers, meaning you are under no legal obligation to take up that offer. You can decline the offer and walk away if you don’t find the deal to be exactly right for you. For most places, there are a set number of days after you’ve signed a loan agreement where you can request to opt out of your loan application. This is normally 14 days, known as a cooling-off period.

Yes, technology has helped us come a long way and online lending systems used for same day loans are as secure as they can get. Make sure you use a verified loan lending service (like ours) so that you can trust that your details are processed securely. All you need to do is check there’s a padlock sign next to the website address you’re using, and it is ‘https’.

Many same day loan online lenders use enhanced security systems and encryption to gain their customer’s trust, and you can easily find out what security systems your lender is using by browsing through their site. Most corporations don’t transfer your data over a public network which adds an increased layer of security. There are also multiple verification checks along the way to ensure that nobody poses as you to apply for same day loans for bad credit.

Most lenders will require you to authorise a Continuous Payment Authority (CPA) for them to withdraw the agreed amount directly from your account on the due dates. The repayment schedule will always be outlined and explained in detail in the same day loan agreement, and different lenders will have different repayment schedules. You can also choose to repay your loan in full early if you want to, subject to early repayment fees. An instalment loan will help you to repay the loan in manageable repayments that are sustainable for you.

Same Day Loans Related Info:

Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

(It won’t affect your credit score)

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