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Every direct lender does some kind of credit check, but some only verify if you have an income. They also have hundreds of locations throughout the country. If you can't repay the loan on time, you lose whatever asset you pawned. Cashfloat payday loans alternative provides short term credit to more people in the UK. Yes, guaranteed payday loans do exist in the UK but only from a very few direct lenders, including London Cash Lender. These loans are offered on certain circumstances because providing guaranteed loan approval may be considered as hypocrisy. Monday, June 27, 2016. Many card issuers offer hardship programs that allow you to temporarily reduce or suspend payments in the event that you're unable to pay. If you want to get no faxing 1 hour payday loans from actual payday lender online through our service, you just have to meet a few very simple requirements. Payday loans continue to receive bad press, yet people often overlook the benefits they provide. Casey Bond is a seasoned personal finance writer and editor. Pick up a home test kit to use in the privacy of your own home. If you need a short term loan but have bad credit, you are one of those people looking for ‘loans for people with bad credit'. Direct Lenders For Bad Credit. The One Stop Money Shop is an FCA authorised direct lender for bad credit – so we are able to take a view on less than perfect credit scores and help you borrow between £300 to £1,000. Student loans are best, but personal loans can help if there’s a gap. "Personal loans are best used for debt consolidation, for people who have major medical expenses, or they know they will have some home repairs at a fixed price," Laino says. That means you loan approval is instant and funds will be deposited in your account on the same day. That means repaying the loan according to schedule or in full if you leave your employer for another company. That could slow your progress in growing a retirement nest egg. 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