QuidMarket’s emergency loans are designed to help hard-working people meet their short-term financial needs when most needed. We consider all credit levels and are fully transparent about every aspect of our loans, so you never need to choose between borrowing the money you need and making the right decision for your finances.

You’ll find a great amount of information on our emergency loans for bad credit on this page, but if you have any questions, simply contact QuidMarket. Once you’ve made your decision, it’s quick and easy to apply for an emergency loan online.

QuidMarket’s Emergency Loans in the UK


  • Borrow up to £1,500* for emergency expenses
  • Flexible repayments over up to 6 months
  • Emergency loans for bad credit available
  • QuidMarket is an FCA Authorised responsible lender
  • No hidden fees for emergency cash loans
  • No guarantor or collateral needed
  • Same day cash transfer wherever possible
  • Quick and easy application online
  • Decisions made by humans, not computers

* dependent on affordability checks


What Is an Emergency Cash Loan?

Simply put, an emergency loan is designed to be used in an emergency. Whether your boiler has broken and you need to pay for a replacement so you can have heating and hot water, or your car needs an urgent repair. Emergency loans in the UK all tend to be short term loans – sometimes known as emergency payday loans for bad credit.

If the reason you’re looking to borrow money isn’t for a necessary payment that cannot be avoided or delayed, emergency loans for bad credit may not be the most suitable option for you. Using emergency loans for bad credit in the UK for non-necessary payments is not advisable, and you should consider other options first, such as using a credit card, borrowing from friends or family, or taking out a loan with a credit union.

However, if none of these options are available to you, and the payment cannot be delayed, our emergency cash loans are designed to be accessible fairly to as many hard-working people as possible. As a FCA authorised, responsible lender of emergency loans in the UK, we have our customers’ best interests at heart. We take a responsible approach to our decision-making process, which we’ll go into more detail on in the section below.

Emergency Loans for Bad Credit

Having a low credit score will usually make it more difficult to be approved for emergency loans, as well as all other forms of credit. This tends to be especially common with same day loans as the automated processes that are designed to speed up approval times will only look at your credit score, and if it doesn’t meet a minimum threshold you could be rejected. This may be the case even if you would be able to sustainably afford the emergency cash loan you’ve applied for.

Here at QuidMarket, we don’t think a credit score is the best reflection of your suitability for emergency loans, so we’re willing to look at the bigger picture. During our decision-making process, we’ll consider your regular income and outgoing payments you make each month to determine if you can sustainably afford the loan. What’s more, every application is manually underwritten – because we think the few extra minutes it takes for a member of our team to personally look over your application is worthwhile.

We wouldn’t approve emergency loans for bad credit in the UK if they would potentially lead you into further financial difficulties, and we will signpost services that can help if we suspect an applicant is in financial trouble.

As an FCA authorised and responsible lender, we will carry out credit checks, but are willing to consider all levels of credit. We also run fraud prevention checks to help ensure emergency payday loans for bad credit are not taken out in your name without your knowledge.

About Our Alternative Emergency Payday Loans for Bad Credit

We offer emergency loans for bad credit in the UK up to £1,500, dependent on affordability checks. Keeping the cost of your emergency cash loan down begins with ensuring you only apply for the amount you need to cover the necessary payment. Borrowing too much will mean you’ll pay interest unnecessarily.

In addition, we offer flexible repayment terms up to 6 months – and you can decide whether repaying in weekly or monthly instalments would suit you best. Repayments are the same every week or month; we offer fixed APRs and will never increase the price of your emergency loan after you have signed the agreement. Choosing a longer repayment term for your emergency cash loan can break up the repayment into more manageable amounts, but you should be aware that it will increase the total cost of your loan because interest builds up over time.

Before taking out an emergency cash loan, you should first make sure that you can sustainably afford the repayments, as defaulting on emergency loans in the UK can have a negative impact on your credit file. At QuidMarket, we understand that circumstances change, and if you feel that you may not be able to make a particular payment on time, simply get in touch with us and we will do our best to make alternative arrangements to help you avoid this.


Are You Eligible for an Emergency Loan with QuidMarket?

You’re welcome to apply for an emergency cash loan online if you meet the below eligibility criteria:

  • Live in the UK
  • Over 23 years old, and under 65 years old
  • Have a mobile phone (we send an SMS code during your application)
  • Hold a UK bank account with a valid debit card (we run a verification check that takes 1p)
  • Be in employment and take home at least £1,300 a month

If you’re eligible and are confident in your decision to take out an emergency cash loan with us, it’s quick and easy to apply online. The application form for emergency loans for bad credit takes just a few minutes to complete on your phone or computer. If approved, we’ll transfer the emergency loan to your bank without delay using a Faster Payment, which means you could receive your loan around 10 minutes after approval.

Should you have any questions about our emergency loans, our decision-making process, repayments or anything else, you’re welcome to contact QuidMarket. We also have a page dedicated to FAQs where you might find your answer. We’re a fully transparent lender, so you can always rely on an honest and clear answer from QuidMarket.


Warning: Late repayment can cause you serious money problems. For help, visit: moneyadviceservice.org.uk