P2P Direct lending (Adverse credit borrowers).

"Unlikely at the present time" is my gut reaction to your question.  There have been a few attempts at getting p2p platforms live at the payday end of the market (but at rates signifcantly lower than payday lenders). However none of them have lasted for long, indeed Wonga's own attempt at this "Invest and Borrow" was very shortlived.  

I think it comes down to the credit models struggle to differentiate between those with adverse credit history but are now genuinely reformed (e.g. on acceptance of a new secure job, or a new partner who won't let them stray off the straight and narrow) and the majority for whom statistics show one adverse credit event is very likely to be followed by many more in the future.

If you have family or a friend who would be willing to act as a guarantor, then p2p platform eMoneyUnion's guarantor loans are worth a look:

www.emoneyunion.com/personal-guarantor/

www.emoneyunion.com/blog/2015/07/07/borrowing-peer-peer-loan-platform-can-improve-credit-rating/#more-29191

(it's very likely the only people who can correctly assess the current credit risk of someone with adverse credit history is family & freinds who know you well)

Indeed if this route is an option google guarantor loans for further background. 


Another alterntive is if you have a valuable asset (e.g. watch, musical instrument, prestige or classic car , infact almost anything) you could borrow upto 70% of the auction value of the asset by pawning it at p2p pawn broker Funding Secure.

www.Zopa.com