WageDayAdvance offers borrowers the chance to secure loans from £100 up to £5,000, even with a bad credit history. Terms stretch from one month to three years, making it easy to pick a repayment schedule that matches your needs. Interest rates start at 48.1% APR and can go up to 1721% APR. For example, borrowing £1,000 over 18 months will cost an estimated £89.22 per month with a representative APR of 79.5%. Their application is 100% online, fast, and requires no paperwork.

How to Apply Step by Step

• Choose the amount you want to borrow and select the repayment period (up to 36 months).
• Fill out the secure online application with your details.
• Submit your request for an instant decision.
• If approved, review your matched loan offer.
• Accept the terms to get your funds—sometimes on the same day.

Key Advantages

WageDayAdvance stands out by accepting applicants with both good and bad credit, helping more people access emergency funds.

The entire application happens online and often delivers instant decisions. In many cases, loans are paid out the same day, providing great convenience.

Important Drawbacks

WageDayAdvance is a broker, not a direct lender. There is no guarantee of loan approval or receiving the full amount requested.

Interest rates can be high, especially for those with poor credit or longer loan terms. Always consider other options if you are uncertain about repayments.

Verdict

WageDayAdvance is worth considering if you need quick access to cash and have struggled getting approved elsewhere due to bad credit. Their process is user-friendly, and payouts are fast, but be mindful of interest rates and borrowing responsibly.