100% Acceptance Loans, Payday Loans with 100% Acceptance

100% Acceptance Loans


Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 832.04%. Our APR includes all applicable fees. Daily interest is capped at 0.793%.

If you have been searching for a lender that can provide 100% acceptance loans, you may have found your options are limited. Here at Payday Loans Net, we can’t guarantee payday loans with 100% acceptance, but we are able to help those who may have struggled to get a short term loan due to having a poor credit history. If you need a loan of up to £1500 and a repayment term between 3 – 9 months, we can look to help today.

Start your application by clicking apply now and see in an instant if we can help you with our alternative to 100% acceptance loans.


What are 100% Acceptance Loans?

100% acceptance loans in the UK are a type of borrowing that claims to guarantee the money you want without the need for relevant checks. However, the issue with this is a lender will be taking a huge risk providing payday loans with 100% acceptance without performing credit and affordability checks. This doesn’t follow responsible lending guidelines as set out by the Financial Conduct Authority (FCA) and can lead to borrowers being approved for loans they can’t afford to maintain.

Here at Payday Loans Net, whilst we do not provide payday loans with 100% acceptance in the UK, what we do provide is an alternative option to borrow in the short term. Typically, the reason why some people will look for a 100% acceptance loans direct lender is that they have bad credit and do not think they will be approved. They may have been declined multiple times before by traditional lenders or are unable to provide a guarantor to help support their application. The good news is, if you are someone with a low credit rating, you don’t need to look for 100% acceptance loans with no guarantor. Instead, we can help those with different credit histories get the help they need with a small, short term loan. We cannot guarantee an application will be approved, however, we welcome those with bad credit to apply if you can prove you can afford the loan you want.

100% Acceptance Loans Direct Lenders

When you want small loans with 100% acceptance, you’ll want to find trusted direct lenders first. At Payday Loans Net we are an authorised direct lender of short term loans that can help you when you need money fast. This doesn’t mean your application is guaranteed to be approved, so to be successful you will need to pass the relevant credit and affordability checks. If you do find a 100% acceptance loans direct lender online that offers the money you want without these checks, it is best to consider your options. There’s a good chance they will not be FCA approved and will not have your best interests as a priority.

You should always take a considered approach towards borrowing money and ensure you are aware of the full terms and costs involved. As we are responsible lenders, we will only fully approve a loan application after an assessment of your finances and credit checks have been performed. If we cannot determine you can afford the short term loan you apply for, we will have to decline your application. Before applying, you should check your financial situation and consider whether further borrowing is the right option for you. If it is and you can prove you can afford a loan, we welcome your application.

100% Acceptance Loans with No Guarantor

If you have been declined in the past for a loan, you may have found lenders who offer to lend the money you need but only if you have a guarantor. Having a guarantor helps to guarantee to a lender the loan will be repaid in the event you struggle to maintain repayments. Usually, a guarantor will need to be someone with a good credit history, and they will co-sign the agreement. However, this isn’t always easy to find someone willing to do so. That’s where no guarantor loans, which we provide here at Payday Loans Net, can help.

By applying for a loan between £300 – £1500 through us, whether you have bad credit or not, you will not be required to provide a guarantor. You can apply as a sole applicant and spread the term over 3 – 9 months based on what you can afford to repay. It’s as simple as that and provides a better alternative to 100% acceptance loans with no guarantor that you may find elsewhere.


100% Acceptance Loans FAQs

Do PDNET offer Payday Loans with 100% Acceptance?

We cannot guarantee payday loans with 100% acceptance until all relevant credit and affordability checks have been performed. No loan is 100% guaranteed and this is because we need to ensure you can afford to maintain the loan you apply for. If you have bad credit and your financial difficulties are in the past, with your current finances showing plenty of affordability, there is every chance you will be successful.

Should I Trust 100% Acceptance Loans Direct Lenders?

Any lenders that claim to provide 100 percent acceptance loans without the necessary credit checks first, may not be following responsible lending guidelines. You should carefully read the terms and conditions and check they are not charging a fee to apply. At Payday Loans Net, we do not charge fees just to submit an application, and we are fully FCA authorised as direct lenders. If you are ever unsure if a lender is authorised, you can check the FCA register and find their authorisation number.

Can I Get Same Day Cash with PDNET?

Yes, in most cases successful applicants can receive the cash into their bank account on the same day as being approved. Many lenders may take longer to provide a decision, delaying when you will receive the loan. We work fast and can provide a lending decision quickly so that we can process your loan the same day. This way, you will receive the cash within 24 hours of your application. Please note, whilst you can apply anytime for a loan, an application outside of business hours may not be processed until the following working day.

Am I Eligible to Apply with Bad Credit?

We welcome applicants with a varied credit history to apply online. Whether you have had a history of bad credit such as arrears payments or defaults, we can still assess your application based on your current finances, and if you can afford the repayments you request. We do not provide small loans with 100% acceptance, but we can help those who may have been declined recently.

Apply for an Alternative to 100% Acceptance Loans Today

If you have all the information you need about payday loans with 100% acceptance in the UK and want to apply for our alternative option, click apply now. Start your application with no delay, and we’ll give you an instant decision once completed. If you have any questions, please don’t hesitate to contact us and our team can help.
If you are currently experiencing financial difficulties, you should carefully consider whether applying for further borrowing is right for you. For independent advice, please visit Money Helper for more information.

100% Acceptance Loans in the UK

Whilst in an ideal world everyone would get the loan they want, unfortunately, 100% acceptance loans are few and far between. Instead, if you are someone wanting a small loan to repay in the short term, we have plenty of options to help those no matter your credit history. You will need to demonstrate you can afford the loan you want as well as meet our eligibility requirements. You must be at least 18 years of age and:

  • Reside in the UK
  • Have a UK bank account
  • Have a steady income

We have made applying for a quick loan to cover an emergency expense as simple as possible, so if you require between £300 – £1500 and want to repay over 3 – 9 months, start your application today and get a quick decision.

Representative example

Total amount of credit: £700
Duration of the agreement: 5 months
Repayment total: £1,179.10
Interest is fixed at rate of 222.79% per year – 0.793% interest per day | Representative 832.04% APR
Instalment 1
Instalment 2, 3 & 4
Instalment 5
Warning: Late repayments can cause you serious money problems. For help, go moneyhelper.org.uk