Bad Credit Loans from £100 to £10,000

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 👍

1. Fill out our 3-minute online form
2. 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.
3. Review your quote from the lender who has pre-accepted your application.
4. 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…