Find high acceptance payday loans from direct lenders

Increase your chances of approval by finding the right loan product first time round. We arrange high acceptance loans from £50 to £5,000 with 3 - 36 month repayment terms.

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NO OBLIGATION & NO BROKER FEES

Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

We are not a lender but a licensed credit broker in the UK

What exactly are high acceptance loans?

A high acceptance loan is a lending product with a greater likelihood of acceptance, regardless of a customer’s credit score. These high acceptance payday loans help a wide variety of people in the UK secure funding, because they don’t solely rely on creditworthiness for approval.

A guide for high acceptance loans

Instead, lenders who have high acceptance rates for payday loans look at a borrower’s overall affordability, taking into account a number of different factors before making their decision to lend.

How can I get a high acceptance loan?

The best way to get a loan with high chances of acceptance is to choose the loan product carefully. All loans are different, and approval is determined by analysing your financial situation and borrowing needs.

Lenders will conduct various checks before approving a high acceptance loan. You can give yourself a better chance of approval if you show the lender that you are in a financially stable position and have paid off any previous debts. Although there are high acceptance loans for bad credit, it’s always a good idea to work on improving your credit score before borrowing money.

High acceptance loans can be applied for online and by using a broker service like ours, you are able to apply for a high acceptance loan through a pool of direct lenders.

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Access from £50 to £5000

Should I get a high acceptance payday loan from a direct lender?

High acceptance payday loans through direct lenders tend to be very popular. This is because direct lenders control their own criteria and are able to make lending decisions quickly.

Direct lenders offer high acceptance payday loans, but when you apply for a payday loan you should do your research to find out which lender has the best deal for your needs.

When you apply for a high acceptance loan through ThisLender, we give you access to a range of direct lenders in the UK, increasing your chances of approval.

Our online loan matching service quickly searches a panel of lenders and matches your application to a suitable direct lender in minutes.

Do direct lenders have higher acceptance rates?

Direct lenders look at a broader range of factors to determine eligibility. They think more about loan affordability, and less about credit score. While the credit check forms an important part of the application process, it is not the sole determiner.

Because of this, the direct lenders on ThisLender’s panel have higher acceptance rates than traditional facilities like mainstream banks.

What are the benefits of loans with high acceptance?

The main benefit of high acceptance loans is that more and more people are able to get the funding they need to cover periods of shortfalls and emergencies.

Not being able to secure the money you need can be a scary position to be in, and here at ThisLender we aim to make the process as easy as possible, giving customers the best chance of approval. Other benefits of high acceptance payday loans include:

  • All credit scores considered: A big advantage of high acceptance loans is that if you have bad credit, you can still apply. These high acceptance payday loans help to bridge the gap between people who are not eligible to receive funding from traditional facilities.
  • Improve your credit score: If you aren’t able to get approved for finance, it can be hard to work towards improving your credit score. This keeps people in a cycle of bad credit, which we want to help change. High acceptance loans that are consistently repaid on time can work to put your credit score in a better position.
  • Flexible with few restrictions: The money you get approved for can be used as you see fit. There are usually little restrictions when it comes to what you can and cannot spend the money on. However, with that being said you should only ever use a loan like this for a financial emergency, or to cover a period of low cash flow.
  • Receive the money quickly: Applying to borrow money can be a stressful process, especially if you’ve been denied funding in the past. High acceptance loans help to minimise the stress by enabling you to receive the money you need in within 10 minutes² after approval.

Are there any drawbacks?

The main disadvantage of high acceptance loan products is that if you do get accepted and then aren’t able to make repayments, you could end up getting yourself into debt.

However, before applying for a high acceptance payday loan you should be certain in your ability to repay the loan. First and foremost you should ensure you don’t have any long term financial problems that will prevent you from making payments.

How can I improve my chances of being accepted?

You can improve your chances of being accepted for this type of loan by:

  • Ensuring previous debts have been paid off
  • Showing lengthy employment history
  • Improving your credit score
  • Applying for less money
  • Getting a guarantor to co-sign the agreement
  • Using a broker to find the right lender for your situation

Can I get a high acceptance loan with bad credit?

Yes you can still apply for a high acceptance payday loan with bad credit. If anything, you stand a better chance of being approved, because high acceptance loan lenders look at a broader range of qualifying criteria.

The lenders that we work with are regulated by the Financial Conduct Authority (FCA), which means they are held to a high standard of lending. With that being said, they believe in giving everyone a fair chance to secure funding.

However, if you have bad credit and want to be accepted easily you should choose your loan product carefully. Usually, high acceptance loans for bad credit get approved:

  • When the borrower applies for lower amounts of money
  • At higher interest rates to mitigate the additional risk for the lender
  • If a guarantor is able to co-sign the loan agreement

Do guarantor loans have higher acceptance rates?

Yes, generally speaking guarantor loans have higher acceptance rates than traditional loan products. They tend to have high approval rates because they provide the lender with a way of reclaiming their money if the borrower defaults on repayments.

When someone with an adverse credit history applies for funding, it puts them in a higher risk category that makes it more difficult for the lender to approve funding. High acceptance guarantor loans help to ensure greater access to funding to people with all financial backgrounds.

Be advised that if you choose a guarantor loan, you need to have a second person co-sign your loan contract and agree to take on repayments if you are unable to do so.

How ThisLender arranges high approval rates:

High acceptance loans are a type of short term funding, usually arranged for a period of 3 - 36 months. When you apply for a high acceptance payday loan through ThisLender, you get access to a panel of direct lenders that are flexible in terms of the amount of money and the repayment term they offer.

We use our experience and technology to match you to a suitable lender for your situation, increasing your chances of approval.

Once we have found an appropriate lender, you will quickly receive an instant tailored quote. Already you stand a better chance of being accepted for the loan you need, but you will need to continue the application process directly with your lender.

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Why choose ThisLender?

  • High acceptance rates: We have helped to arrange high acceptance loans for customers across the UK, ensuring that as many people as possible have access to funding.
  • Access a panel of lenders: We do our best to find a suitable deal for you. Benefit from our loan matching technology and get a instant decision with ThisLender.
  • Free applications: We don’t charge customers anything for using our service. You will only start making payments once you have confirmed the loan with your lender and signed a contract.
  • No obligation quote: We want you to be sure about borrowing money. The quote you receive are no obligation, which means you can change your mind at any point in time.
  • Financial Conduct Authority approved: We are authorised and regulated by the leading conduct regulator for UK financial services firms. Trust is paramount, and you will find ThisLender and the lenders we work with listed on the Financial Services Register.

Remember: If you’re struggling with debt management, please visit Money Helper (formerly the Money Advice Service) for free, impartial debt advice.

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Access from £50 to £5000

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Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

We are not a lender but a licensed credit broker in the UK

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