Payday Loans - Apply Today

Receive a fast, online payday loan direct to your bank. Bad credit customers accepted. Get money now!

WARNING: It has come to out attention that a group of fraudsters are masquerading as our Emu / Emu.co.uk brand. Under NO CIRCUMSTANCES do we make unsolicited calls or ask for up front loan fees. If you are approached in this manner please do not divulge any personal info or send up front payments of any kind.

How much?
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For how long?
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You're borrowing £250 for 15 days.

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR. We are a broker not a lender. We don't charge fees. We don't sell your personal information.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Apply Online Today

Quick Application Form

Instant Processing

Check Approval Decision

Accept Loan Offer

Cash Sent to Your Bank

Bad Credit? It's still possible to get approved!

We understand that not everyone is blessed with a perfect credit score which is why here at Emu.co.uk 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 Emu.co.uk even if you do have a bad credit rating you can still apply for one of our short term payday loans. We'll provide an on screen decision regardless of your credit rating and bad credit history and should you be accepted we'll provide you with a loan offer.

Does Emu have High Approval Rates?

Here at Emu.co.uk we pride ourselves on our bad credit loans service meaning that even if you do have a poor credit score we'll still try and match you today with a short term loan provider or direct payday lender instantly. 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 an instant application submission and processing services which will endeavour to match you to a lender in minutes. Should you accept you'll be sent the loan same day. Straight to your bank account!

Do you offer fast same day transfers?

As we're a loan broker the speed of the transfer will be dependent on the lender. The funds will be transferred to your designated bank account electronically as quickly as possible once you've accepted the agreement. We cannot guarantee that this will happen on the same day you apply however the transfer will be made in the fastest time possible. If you want quick loans 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.

What are No Credit Check Loans?

In theory, a no credit check loan would be a loan where the provider would not perform a credit check against you. There are lots of payday lenders who claim to offer this service, even direct lenders and well known high street payday loan companies. However if you read the small print you'll see a credit or affordability check is always performed. So if you're intending to take out a loan with a company that claims to offer no credit checks you should read the small print prior.

Do You Offer Bad Credit Payday Loans?

We offer payday loans for all credit types. Good credit or bad credit, we'll try and match you with a lender who can cater for your needs. If you have bad credit the loan amount you're offered may differ from the amount you requested originally but you will have the choice as to whether or not to accept it.

Are Credit Checks Performed?

We're aware that there are some companies out there claiming to offer payday loans with no credit checks. Particularly in the UK. However we can assure you that credit checks are performed on every loan applicant, good or bad credit to determine your eligibility. This is guaranteed. It would not be responsible for a lender to loan you money without checking if you're able to afford the repayments prior.

Do You Offer No Credit Check Payday Loans?

We offer payday loans for any purpose be it a short term cash influx to keep you going until payday or a longer term, 3 month loan to give you a little bit of breathing room. However, no credit check payday loans as a product technically don't exist as any lender will always perform a credit check on any loan applicant regardless of amount or term.

What Payday Loans Are Offered?

We offer payday loans for any purpose. With reason. We're a 100% online service and aim to provide loans via the quickest and easiest method possible via our matched direct lenders. We're even listed as the top operator on the Readies no credit check lenders page. Our 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 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 Short Term Cash Loans

There are obviously lots of benefits and uses for quick loans such as the ones we broker. Applying for a loan in itself is easy and there are tons of reasons to let Emu.co.uk find you a loan, 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.
  • Quick, same day service.

What You'll Need to Apply

Applying for a bad credit 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 Poor Credit Payday Loans!

  • Bad Credit - No Problem!
  • Quick Loan Application
  • 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...

Testimonial

I have a less than perfect credit rating so even getting a payday loan was a challenge. Thankfully I found Emu.co.uk 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

Testimonial

I wanted a no credit check loan but having learned that all loan providers must perform a credit check I decided to go with Emu. Their service was quick and even with bad credit I was able to get approved. I have my money now, so I'm off to spend it!

Harry, Chelmsford

Testimonial

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 were able to match me with a payday firm who loaned me £1000!

Richard, Leicesier

Emu.co.uk - Registered Office; 4 Spring Bridge Road, Ealing, London, United Kindom, W5 2AA.



Emu.co.uk is NOT a direct lender and we a free to use loan matching service. We don't charge a fee, but there might be a charge from some lenders within our network. Emu is a trading style of William Ellis Sinclair. Emu.co.uk does not make lending or credit decisions, we are not a lender - as a broker we match customer's loan applications with lenders in our database depending on the information provided. William Ellis Sinclair is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 618190 with registered address 26A Dunraven Place, Bridgend, CF31 1JD. Licensed by the Information Commissioners Office (registration number ZA033005)..