Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
If approved, you could receive funds by 12:51 PM
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
All Credit Loans is a licensed credit broker and not a lender.
Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable).* Subject to affordability and your credit score.
We have been helping people get easy access to the very best loan deals since 2015.
Easy access to all the best deals. One simple form to over 35 lenders.
(zero impact on your credit file)
This site is free for you to use – all loans cost the same as if you went to the lender directly.
(we’re paid by the lenders)
We understand getting a loan with a poor credit score is tough! From our panel of over 35 specialist UK lenders, we have a great range of loan solutions for you.
Our online process is fast, free and without obligation:
* Acceptance is subject to the lender’s individual criteria and your status (a guarantor may be required).
A poor credit unsecured personal loan that does not need a guarantor
Most well-established type of loans for people with poor credit, starting in the 1800s ⌛
Short term small loans which have in practice replaced the payday loan 👍
Typically, the most affordable bad credit loan 😀
There is no single best loan for a poor credit history 🤔
Why note compare our bad credit loans here
Our panel of 35+ lenders specialise in loans for bad credit 👍
All the UK’s top poor credit loan lenders are in one place, so if you
Then we could have a lender that could help you*
* Subject to the lender’s specific criteria and your personal circumstances.
This does vary from lender to lender, but includes
Specific criteria does vary from lender to lender, so if you meet the above, fill out our 3-minute form.
It’s quick and easy, free, without obligation, and at this stage does not impact your credit file 👍
Same day is possible for some loans 😀
If you need a fast loan, then it is possible to get a loan on the same day:
Guarantor loans typically can take a little longer, as you need to find someone to guarantee the loan and submit all their details. If you know someone who meets the lender’s criteria and is ready and willing to complete all their details fast, then a loan within 24 hours is possible with some lenders.
Doorstep loans typically take a little longer as you need to wait for the lender’s representative to visit your home, which can depend on their availability, though all can be ‘done and dusted’ within 3 days.
We suggest you do not rush, and if you can spend a little time exploring the most cost-effective options first before signing and credit agreement.
Currently, our lenders provide loans from £100 up to £10,000
How much you can borrow will greatly depend on lending criteria and your disposable monthly income available for the repayments.
Apply to find out how much you can borrow
Typically, anything that’s legal and moral 👍
Our customers typically use the loan funds for
When you apply with the lender your credit report will be checked by the credit reference agencies, but don’t worry 👍
Missed payments, defaults, and CCJ’s are typically not a problem, but you will be credit checked to confirm
When you request a loan quote, you will NOT be credit checked.
With some loans, such as guarantor and unsecured, getting the funds and paying them back in full without default can help to rebuild your bad credit rating.
On your file lenders can look back as far as 6 years, and look at any missed payments and CCJ’s, also loans that you have honored and paid back successfully. For more information see our Credit Rating Improvement Guide Chapter 8: How to make your payment history work?
Please note that many mainstream lenders are not keen on short term high cost loans, such as some doorstep and instalment loans, plus payday; so if you get this ty0pe of loan, this may not improve your credit history.
To use allcreditloans.net is free 👍
Typically, yes 👍
Most of our lenders allow overpayments any time you wish.
Interest is typically calculated on a daily basis, so if pay back more money, you’ll reduce the overall cost of your borrowing.
Because you have someone guaranteeing the loan 🧑🤝🧑
With this type of loan, you have someone with a clean credit rating and regular income promise to make your repayments if you are unable.
This gives a lender more security than our other types of loan, so they can typically afford to lend at lower rates.
Over 10% of people who take out this type of loan did not think initially they would be able to find someone to act as their guarantor.
After doing all this, is you really cannot find a suitable guarantor, there are still unsecured, doorstep and instalment loans for you.
* Pay-out times from loan approval
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