Loans For All Credit Ratings Made Easy

Need a loan but tired of

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  • Banks saying “NO”
  • Expensive payday & short term finance
  • Filling out loads of application forms

We take the pain of getting a loan

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  • CCJ’s and defaults considered
  • Affordable rates and no hidden fees
  • One quick simple application

Representative APR 44.5%

Representative Example: If you borrow £3,000 over three years (36 months) at a Representative rate of 44.5% APR and an annual interest rate of 44.50% (variable), you would pay 36 monthly installments of £152.31. The total charge for credit will be £2,483.30 and the total amount payable will be £5,483.30.

Our lenders provide loans from £50 up to £12,000

We are credit brokers and have put together a panel of specialist UK lenders who offer good range of loans, so no matter what your financial history.

Finding a loan when you have a poor credit rating can be tough.

All Credit Loans helps make the job of finding a loan when you have a bad credit score much easier.

We offer 3 types of loan from 16 lenders:

1. Guarantor Loans

These are the most affordable type of bad credit loan, though require you to provide a guarantor, someone who will guarantee to pay the loan back if you cannot.

Loans range from £50 to £12,000 with repayment periods of 6 months to 12 years depending on the amount you borrow.

The APR’s range quite a bit from 39.9% to 304% depending on the lender and how much you borrow.

If you are borrowing from £500 to £12,000 APR’s range from 39.9% to 54.9%; though the APR does increase to over 300% if you are borrowing £50 to £500.

For more details, please see our guarantor loans page.

2. Doorstep Loans

The doorstep loan has been available in the UK for many years, and often is referred to as home credit.

They are small short term loans from £300 to £1,500 and can be repaid typically over 3 to 12 months.

The lenders agent will visit your home on a weekly basis to accept the repayments, which many people find very convenient.

APR’s are typically 272% to 300% depending on the lender, how much you have borrowed, and for how long.

For more details, please see our doorstep loans page.

3. Instalment Loans

An instalment loan is another type of short term small loan, though some are the most expensive, so should only be used as a last resort.

You can typically borrow between £50 to £2,000 with repayment periods of 3 to 24 months.

Depending on the lender, how much you have borrowed and the period of loan, the APR’s vary from 98.9% to 1575%.

For more details, please see our instalment loans page.

We recommend your first step is to read through our different loan pages to see which one is most suited to you; to help why not check out our compare loans table. You could also check our loan calculator to estimate your loan repayments.


Warning: Late repayment can cause you serious money problems. For help, go to

how much

Example £1,000 Guarantor Loan
39.9% APR
see finance example

Example £1,000 Doorstep Loan
272.2% APR
see finance example

Example £1,000 Doorstep Loan
278% APR
see finance example

£1,000 Guarantor Loan Finance Example

  • Borrow £1,000 with a Guarantor Loan for 12 months
  • Repay £99.49 per month
  • The total charge for credit is £193.88
  • Total to repay £1,193.88
  • APR (variable) is 39.9%

£1,000 Doorstep Loan Finance Example

  • Borrow £1,000 with a Doorstep Loan for 52 weeks
  • Repay £35.00 per week (£151.67 per month)
  • The total charge for credit is £820.00
  • Total to repay is £1,820
  • Interest Rate is 140% pa (fixed). APR is 272.2%

£1,000 Instalment Loan Finance Example

  • Borrow £1,000 with an Instalment Loan for 12 months
  • Repay £158.95 per month
  • The total charge for credit is £907.40
  • Total to repay is £1,907.40
  • APR is 278%

Frequently Asked Questions

My recent financial history is poor, can I still borrow money?

The quick answer is YES

  • The way our lenders work is that you are required to get a friend or family member to be your guarantor
  • So long as they have a good history our lenders are not concerned if yours is not good*
  • By guaranteeing your borrowing, your friend or family member basically agrees to make the payments if you cannot
  • If your friend or family member trusts you, and you demonstrate to them that you can afford the repayments, there is not be a problem
  • *Note: our lenders cannot lend to those who are formally insolvent (IVA, Trust Deed or Bankrupt).

What Criteria Must I Meet To Get A Loan?

We get quotes from the best selection of bad credit lenders in the UK, specific criteria is therefore subject to change and may slightly vary, but the following summarising the primary criteria:

  1. Over 18 years of age (max of 65 for above £500)
  2. Income over £100 per month including benefits (over £500 only)
  3. UK Resident (excluding Isle of Man)
  4. Not insolvent (IVA, Trust Deed or Bankrupt)
  5. Have a UK bank account and a debit or credit card
  6. Have a friend, colleague or family member with a clean credit rating who can be your guarantor
Criteria for your Guarantor is as 1-4 above plus:
  1. Good (or marginally imperfect) credit rating
  2. Tenant or homeowner (homeowners will help you get borrowing over £5,000 plus better rates)
  3. Income over £400 per month for £50 to £500 or £500 per month for £500 to £10,000.

What if I cannot find someone to be my guarantor?

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

  • People often tend to be more helpful than you think, and if you have a decent reason for needing the money and demonstrate that you can comfortably afford the repayments, then you’d be surprised how many people may say yes.
  • All you need to do is ask!
  • Remember that your social network is larger than you probable think, consider all your friends, family members and relatives, work colleagues; sit down and make a big list, then start asking people

Will I Be Checked?

You will be checked simply to make sure you are not insolvent (IVA, Trust Deed or Bankrupt)

  • Missed payments, CCJ’s are not a problem, so please be relaxed about this.
  • Your friend, colleague or family member who is guaranteeing your borrowing will though be checked and a clean history (or very marginally imperfect) for them is important

How Much Can I Borrow?

From our range of lenders you can borrow from between £50 and £10,000

  • £50 to £750 short term for up to a month

These  are designed for short term emergencies for a maximum of one month only. The application process is fast and it’s possible to get your cash in one hour. Apply Now

  • £750 to £10,000 longer term from 24 to 60 months

Available from 12 to 6 months, these are more cost effective than the short term options. The application process is also quick with loan pay outs as quickly as 24 hours. Apply Now

4 Easy Steps

1. Calculator

Calculate how much you can afford to borrow and for how long

2. Easy Online Form

One quick online form to our panel of multiple lenders

3. Multiple Offers

Receive a choice of no obligation offers from multiple lenders

4. Get Your Money

Send off your preferred offer and get your cash

What the Newspapers Say


“a good stepping-stone for those with limited borrowing options”

Read more


“guarantor borrowing can be less painful – and help repair debt-history damage”

Read more

Apply now

£50 to £500 pay out in as quickly as one hour, £500 to £10,000 in 24 hours after receipt of a completed application

Risk Free Guarantee

no risk free
  • No credit checking*
  • No obligation to take a out finance
  • No application or broker fees
  • Secure online application

More Frequently Asked Questions

What are the fees and charges?

To find out how much it cost with our calculator  will give you an approximate cost across all our lenders. Please note there are

  • No enquiry fees
  • No early repayment  fees
  • No broker fees (we are paid by the lenders)
Get a no obligation quote  to get an exact breakdown of all fees, interest and charges. Note, you do not pay us anything, we are paid by the lenders.

What can the money raised be used for?

Anything! Unlike a high street bank, our lenders are not concerned about what the money raised will be used for, (though we do encourage responsible borrowing). Typically people use the loans for:

  • Replacing or repairing a car or vehicle
  • Home maintenance and repairs
  • Emergency cash to last to the end of the month
  • Debt consolidation, such as paying off expensive payday finance and credit cards
  • Holidays
  • And much more…..

How long will it take to get a loan?

As quickly as 1 – 24 hours depending on how much you are borrowing

  • Small loans from £50 to £750 are available in as little as 1 hour!
  • The streamlined application process and all you need to provide is your debit card details and your guarantors contact details for you to receive your cash directly into your bank account in as little as one hour!
  • Larger loans from £750 to £10,000 can be with you as quickly as 24 hours from the time of receiving your completed application.

Can I make over payments to pay the balance back early?

You can make an overpayment at any time you wish

  • the interest is calculated on a daily basis so every time you do pay back more money, you will greatly reduce the overall cost of your borrowing
  • You can also settle at any time and for all our lenders there are absolutely no penalties for early repayments*

*This was true at the time of writing, though please always double check your offers terms and conditions as lenders occasionally do make changes

Can borrowing money help to improve my rating?

Yes, getting finance and paying back as promised with no missed or late payments will help

  • 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 honoured and paid back successfully
  • As a result you will have a better choice at better interest rates in the future.

Apply now

£50 to £500 in as quickly as one hour

£500 to £10,000 in 24 hours after receipt of completed application