Payday Loans - Apply Today

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

How much?
For how long?

You're borrowing £250 for 15 days.

1269.7% APR Representative: Borrow £200 for 30 days you would repay a single payment of £248.00. Interest is 292% per annum (fixed).
Warning: Late repayment can cause you serious money problems. For help, go to

Quick Application

Instant Decision

Same Day Transfer

Enjoy Your Money

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 short term payday loans. We'll provide an instant on screen decision and loan offer should you be accepted.

High Approval Rates / Instant Decision

Here at our partners have exceptionally high online loan approval rates. In fact when it comes to short term cash loans we're one of the best brokers in the business. 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 on screen decision as soon as you apply and should you accept you'll be sent the loan same day. 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, usually within the same day. Sometimes it's within the hour and some loans are transferred within 10 minutes of you accepting the application. 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. 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 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...


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 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


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 - Registered Office; 4 Spring Bridge Road, Ealing, London, United Kindom, W5 2AA. is NOT a direct lender and we a free to use loan matching service. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to £900 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans. 1269.7% APR Representative: Borrow £200 for 30 days you would repay a single payment of £248.00. Interest is 292% per annum (fixed). Sometimes transfers can take up to 24 hours depending on your bank.