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A payday loan (also called a payday advance payday paycheck loan salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan ... Apply for your Payday Loans online from Wizzcash, an FCA approved direct payday loan lender. Borrow between £200 - £1,000 if approved. If you have no or poor credit, and are low income, you can apply to a short term loan program from the FDIC or a non-profit. These loans can help you avoid payday loans. Do you have bad credit but still need a loan? There are options available. If you have a low credit score, trying to find a loan can be difficult.