Secure UK website est. 2015
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.
Choose your loan amount: £500
How many months?
If approved, you could receive funds by 7:32 AM
- 3-minute online application
- Up to 35 UK lenders
- Instant online quotes
- No obligation
- No fees - we are a free service
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.
- Get £100 to £10,000
- Quotes in seconds
- Bad credit okay
- Great APRs from 12.9%
- 24-hour payouts
- Great acceptance rate
Representative APR: 79.5% (variable)
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.
- one simple form
- up to 35 lenders
- instant quotes
- all online
- no obligation
- free service
- secure
Why use this website?
We have been helping people get easy access to the very best loan deals since 2015.
Fast
Easy access to all the best deals. One simple form to over 35 lenders.
(zero impact on your credit file)
Free
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)
Secure
We are fully FCA regulated & Information Commission Office registered
(we’re a Surrey-based firm)
Loans for All Credit Ratings Made Easy
Since 2015 we have helped 1,000’s of people with all credit ratings find a loan.
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:
- Choose the amount of your loan and fill out our 60 second application (no credit checks at this stage)
- Your application is automatically reviewed by over 35 lenders, and you are sent to the one who has pre-approved your application.
- Review loan option – review the details of the loan deal on the lender’s website *
- Complete your application with the lender.
* 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
- For people with a ‘less bad’ credit score
- Loan amount typically from £1,000 to £5,000
- Repayment periods typically from 12 to 60 months
- Rates can typically vary from 26% to 90% depending on your status
Most well-established type of loans for people with poor credit, starting in the 1800s ⌛
- Cash loans from £100 – £1,000
- Delivered to your door by the lender’s agent
- Loan term – typically over 13 – 52 weeks
- Repayments in cash and picked up from your home by the lender’s agent
- APR’s typically 535% -727% depending on the lender, how much you have borrowed, and for how long.
- For more details see doorstep loans
Short term small loans which have in practice replaced the payday loan 👍
- Loans typically from £500 to £2,000
- Flexible repayment typically from 1 to 12 months
- APR’s vary from 365% to 1,575% depending on the lender, how much you have borrowed and the period of the loan
- More details see instalment loans
Typically, the most affordable bad credit loan 😀
- Require a guarantor, someone who’ll guarantee to pay the loan back if you cannot
- Loans range from £500 up to in some cases £10,000
- Repayment periods range from 6 months to 5 years
- This is not a secured loan, but a guarantor with a clean credit record will be required.
- Rates range around 47.8% APR depending on the lender, loan amount and the status
- Full details see guarantor loans
-
No credit checks for quotes
-
One form to multiple lenders
-
No broker or application fees
-
Secure online application
Frequently Asked Questions
There is no single best loan for a poor credit history 🤔
- If you’d prefer a small online loan, then an installment loan may be a solution.
- If you can find a guarantor with a clean credit history, then a guarantor loan is typically the lowest cost, however in the last 12 months we have seen less activity in this sector, and it can be difficult to qualify for this type of loan.
- If your credit rating is not too bad and you do not have a guarantor, then an unsecured loan could be suitable.
- If you’d prefer a small loan with weekly payment, then doorstep loans can often be a solution when other lenders cannot help.
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
- Can afford the repayments
- Are not insolvent (bankrupt or in an IVA)
- Are a UK resident with a permanent address
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
- Affordability – your income and expenses need to show that the loan repayments are affordable.
- Regular income – you will need a regular income, whether that be employed, self-employed, benefits or pension.
- If you can get a guarantor (and their status/income etc.) this could make you suitable for a potentially lower-cost guarantor loan.
- Permanent UK residency & address – this will be required for all applications
- Solvent – you cannot have major credit issues such as being insolvent (bankrupt, IVA, debt management plan) – at least with our lenders
- UK bank account & debit card – this will be required for all applications
- Typically, between 18 and 75 years old
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 👍
- Fill out our 3-minute online form
- Your application is automatically reviewed by over 35 lenders, and you are forwarded to the one who has pre-approved your application based on the details entered.
- Review your quote from the lender who has pre-accepted your application.
- Complete your application on the lender’s website.
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:
- Unsecured and installment loans can often have the fastest payout times
- Speed can cost, as sometimes these loans can be less cost-effective
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 👍
- Unlike high street banks, our lenders do not place strict criteria on what the funds can be used for
- Though our lenders do operate Responsible Lending policies so will not lend for gambling or similar
Our customers typically use the loan funds 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…
More Questions
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
- UK residency
- Solvency (IVA, Trust Deed, or Bankrupt)
- Your identity
When you request a loan quote, you will NOT be credit checked.
Possibly 👍
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 👍
- This website’s free to use, we get paid by the lenders (see How We Earn Revenue)
- There are zero fees to apply to all our lenders
- A loan via this website will cost you the same as if you went to the lender’s direct
- Lenders do charge interest and some have other fees – this will all be made clear to you before taking out a loan as all lenders operate Responsible Lending policies
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.
Typical criteria
- Someone you have a relationship with who trusts you (usually a family member or close friend)
- Clean credit history (or very marginally imperfect)
- Regular provable income
- Affordability, the loan must be comfortably affordable for them if you cannot pay
- For more information see the guarantor loan page
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, so 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 probably think, consider all your friends, family members, relatives and work colleagues; sit down and make a list then start asking people.
After doing all this, is you really cannot find a suitable guarantor, there are still unsecured, doorstep and instalment loans for you.
