FAQ

Yes, you can. A bad credit payday loan is a specific type of loan for people with poor credit in need of fast cash. Normally, the interest rates will be higher on such loans than other, non bad-credit loans, but they are available for people who struggle to find credit. Many lenders on our panel offer bad credit payday loans, and rely on affordability checks rather than credit history.

The short answer is no. However, please read on, because this information is very important for your loan application. Lenders must do a credit check on all loan applications - they are required by law. However, as a loan broker, we only carry out a no-credit footprint, soft search. Then, we use your details to connect you with a lender who is likely to fund your loan. Then, if you proceed with the lender, they will carry out one credit check. So, by using our services, you can avoid multiple hard checks damaging your credit score that could happen if you went direct lender to direct lender trying to find one who funds your loan. If you have a bad score, don't worry - many lenders are now offering bad credit loans and accepting people with poor or no credit history. They focus on affordability instead. Please avoid direct lenders who claim to offer loans with no credit check - it's a scam.

Yes. We can connect you to over 50 direct lenders. You're actually better off using Loanza than going from lender to lender to see how would fund your loan. We have the ability to match your details to lenders on our panel without performing any hard checks (you'll get no credit footprint from Loanza). Then, based on your data, we can direct you to a lender who'd most likely fund your loan. This way, if you decide to proceed with the lender, you'll only get one credit check on your file performed by them.

Yes! Many of our lenders offer same day funding, so you could get your cash in minutes if approved. How fast you'll have the money in your account also depends on your bank's procedures and policies.

Loans are available from £100 to £5,000. However, the amount you can borrow depends on the loan term you choose, the lender, and your personal circumstances.

Once approved, money could be sent in a matter of minutes. Loan costs and fund transfer times will vary depending on the lender and your bank's procedures. Some lenders may require further documents or to speak with you to verify details.

To qualify for any loan in the UK, you need to be over 18 years old, you need to live in the UK and you need a UK bank account.

All you need to do is fill in our simple 2-minute online form. We'll search our database of over 50 lenders to match you with the best available loan for you. If provisionally accepted, you will be redirected to the lender's site, where you will need to finalise the loan request. If you decide to take the loan offer, money could be in your account within minutes (subject to your lenders' policies & procedures and your bank's processes). Once you get the loan, you'll start the repayment plan you agreed to.

Loanza is 100% free to use. We don't charge any fees for our services, and never ever take money from your bank account. We don't work with brokers who charge fees and we don't showcase misleading offers. If an offer (such as a credit card) has any associated fees, you'll be clearly informed.

Yes. Loanza is a brand of Stop Go Networks Ltd., authorised and regulated by the Financial Conduct Authority. Firm Reference Number 729572.

Loanza never charges you for its service, but if you do get a loan with a lender we connect you to or decide to get one of the offers we recommend, we receive a commission. However, we only have partnerships with lenders and other providers who we trust and would use ourselves. The commission we receive has no impact at all on how we rank your offers. We are proud to offer excellent customer experience, reliability and transparency.

Just use our contact form to send us an email. We'll get back to you within 5 working days.