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Representative Example* - If you borrow £2,600 over 36 months at a Representative Rate of 49.7% APR and an annual interest rate of 41% (fixed), you would pay 35 monthly instalments of £126.61 and a final payment of 126.54. The total charge for credit will be £1957.89 and the total amount payable £4557.89.
* Subject to affordability and your credit score
(a guarantor may be required)
We understand getting a loan with poor credit is tough!
From our panel of over 25 specialist UK lenders we’ve an amazing range of loan options for you.
Our online process is fast, free and no obligation
* Acceptance subject to the lenders individual criteria and your status (a guarantor may be required).
Typically, the most affordable bad credit loan 😀
A poor credit loan that does not need a guarantor
Most well-established type of poor credit loans stating in the 1800’s ⌛
Short term small loans which have in practice replaced the payday loan 👍
There is no single best loan 🤔
Our panel of 25+ lenders specialise in loans for bad credit 👍
All the UKs top poor credit lenders in one place, so if you can show you
Then we could have a lender that could help you*
* Subject to the lenders specific criteria and your personal circumstances.
What criteria do I need to get a loan?
This does vary from lender to lender, but includes
Specific criteria does vary from lender, so if you me the above, fill out our 3-minute form to see the loan options for you.
Its quick and easy, free, without obligation, and does not even 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 the same day:
Unfortunately, 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 lenders criteria and is ready and willing to complete all their details fast, then a loan with 24 hours is possible with some lenders.
Doorstep loans typically take a little longer as you need to wait for the lenders 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 rust, and if you can spend a little time exploring the most cost-effective options first, such as a guarantor loan
Currently our lenders provide loans from £100 up to £15,000
How much you can borrow will greatly depend on your disposable monthly income available for the repayments.
Only guarantor loans go above £5,000 currently, so to borrow £5000 to £15,000 you will need to find a suitable guarantor.
Apply to find out how much you can borrow
Typically, anything that’s legal and moral 👍
Our customers typically use the loan funds for
Yes, 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 loan quotes, you will NOT be credit checked.
With some loans, such as guarantor and unsecured, getting the funds and paying back in full without default can help to re-build your 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 honoured and paid back successfully
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 re-payments 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.
Only 3-minutes to fill out form and get multiple quotes
Our amazing system will check up to 27 lenders for you.
Immediately see online the loans you've been pre-approved for
Simply choose the best loan for you and finish off the quick online application
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