If you are the kind that holds a bad credit score and has defaulted a couple of times from repaying their payday loans then you have every reason to smile. You heard me right, you have every reason to smile like there is no tomorrow. Yes, earthlings with a terrible credit score can actually apply and get a Payday Loan with Instant Loan Limited UK. Surprisingly, the said loan company does not carry out credit history checks whatsoever. Are you lucky or what. They will give you a loan much faster than you can spell your name. But hold your horse right there; you need to be in employment and have a bank account in UK. So if you are in dire need of money and you hold a bad score and have defaulted then you do not have to be really at your wits end. Provided you repay according to the terms agreed, there is no problem. Just make sure to pay on time! If you do not want to have a bad credit then it is wise to pay your dues regularly and follow the terms honestly.