Payday Loans - Apply Today

Receive a fast, online payday loan even with a bad credit rating!

How much?
For how long?

You're borrowing £250 for 15 days.

Rates from 48.9% APR to max 1304% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 18 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Quick Application

Instant Decision

Same Day Transfer

Enjoy Your Money

Warning: Late repayment can cause you serious money problems. For help, go to

Bad Credit? No Problem!

We understand that not everyone is blessed with a perfect credit score which is why here at we welcome applicants with a less than perfect credit score. We understand that life happens, sometimes you've made a mistake years ago. Sometimes your poor credit score has occurred completely by accident if you've cancelled a direct debit by mistake or simply forgot to make some low value payments. It happens to the best of us, we understand completely. At even if you do have a bad credit rating you can still apply for one of our payday loans with no credit checks needed!

High Approval Rates / Instant Decision

Here at we have exceptionally high online loan approval rates. In fact when it comes to payday loans we're one of the best brokers in the business. We pride ourselves on our bad credit service and payday loans with no credit check meaning that even if you do have a poor credit score we're still able to match you today with a short term loan provider or payday lender for any purpose. We also understand that submitting form after form and waiting day after day for a decision can be tedious. If you need a loan, you need it there and then which is why we offer an instant on screen decision as soon as you apply and should you accept you'll be sent the loan instantly. Straight to your bank account!

Fast Same Day Transfers

Should you choose to accept the loan offer you receive, we'll transfer the funds to your bank account within the same day. Usually it's within the hour and some loans are transferred within 10 minutes of you accepting the application. If you want quick loans with no credit checks then there really is nobody better than Emu! We understand that when you want a loan there is a pressing need and time is of the essence. We aim to provide you with a loan as quickly as humanly possible and we will endeavor to do everything in our power to make that happen.

Why No Credit Checks?

We offer payday loans for any purpose. We're a 100% online service and aim to provide loans via the quickest and easiest method possible via our matched direct lenders. Our no credit check payday loans are ideal should you need a short term cash influx until your wages arrive next month. Our loans can be used for all sorts from home improvements, to car repairs to paying that unexpected bill which has just landed on your doorstep. Or you can choose to simply treat yourself to something you've been wanting and don't want to wait until payday. The choice is yours. All we ask is that you pay back the loan within the time specified when you accept the loan offer. All no credit check loans will be transferred direct to your bank. We aim to provide a quick and easy service with no complicated forms to fill in or hidden fees.

Benefits of No Credit Check Payday Loans

There are obviously lots of benefits to not having a credit check performed whilst you're applying for a loan and there are tons of reasons to take out a loan with, here are a few -

  • Borrow up to £1,500 instantly.
  • Receive a quick, same day transfer.
  • Bad credit applicants welcomed.
  • No hidden fees or charges.
  • Connect with the top UK payday lenders.
  • Loans until Payday or up to 3 months.
  • Fast cash loans for any purpose.
  • Fully UK based service.
  • Operational 24/7/365.

What You'll Need to Apply

Applying for a no credit check payday loan via Emu could not be easier! We only ask the most basic questions such as your name, address and your bank account information (so we can actually send you the cash loan). We will also ask some general questions about your employment and the date your next pay check is likely to arrive. The information you enter during the application process will determine how much we can offer you via the loan along with the repayment terms. Our whole application process has been designed to be as straight forward as possible. You will then receive an instant on screen decision which you can choose to either accept or decline. Once you've accepted we'll transfer the money direct to your bank!

Advantages of Emu No Credit Check Loans!

  • Bad Credit - No Problem!
  • No Credit Checks
  • Instant Transfers
  • Fast Application Process
  • Borrow up to £1,500
  • Quick On Screen Decision
  • The Best Lenders
  • Open 24/7/365
  • 100% UK Based Lenders
  • Loans for Any Purpose
  • Loans up to 3 Months
  • No Hidden Fees

Some words from our bad credit loan customers...


I have a less than perfect credit rating so even getting a payday loan was a challenge. Thankfully I found recently and was able to get a £1,000 loan to see me through until payday even though I have extremely bad credit! Thanks Emu!

Chris, Stevenage


I've been trying to find a loan for some time now and have had a lot of credit searches on my profile. I wanted to avoid this so I decided to take out a no credit check payday loan with Emu. I now have £500 to see me through until my next payday!

Harry, Chelmsford


Even getting a small loan quickly with bad credit can be difficult. There are so many payday loan companies out there who all do heavy credit checks which can destroy your credit rating. Thankfully don't and they were able to lend me £1000!

Richard, Leicesier - Registered Office; 4 Spring Bridge Road, Ealing, London, United Kindom, W5 2AA.