Compare Bad Credit Loans
Easily compare our lender’s loans on one simple table
Secure UK website est. 2015
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.
Choose your loan amount: £500
How many months?
If approved, you could receive funds by 12:23 PM
- 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.
Representative 49.9% APR
Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.
- one simple form
- over 30 lenders
- instant quotes
- all online
- bad credit ok
- free service
- secure
Compare Loans Table
Review our lender’s loans in the table below, you can sort the table using the arrow tabs.
| Lender | Loan Type | Min Amount | Max Amount | Min Term | Max Term | Rep APR | Reviews | Apply |
|---|---|---|---|---|---|---|---|---|
 118 Money | Personal | £1000 | £5000 | 12 | 36 | 49.9% | 4.8 from 28,831 |
|
 Auden | £200 | £1000 | 3 | 12 | 235.83% | None |
| |
 Bamboo Loans | Personal | £1000 | £5000 | 12 | 60 | 49.7% | 4.9 from 18,997 |
|
1 Plus 1 Loans | £500 | £5000 | 12 | 60 | 45.4% | 1.8 from 1,165 |
| |
Guarantor My Loan
| £2000 | £10000 | 12 | 60 | 48.9% | 4.8 from 286 reviews |
| |
 Cash Float | £300 | £2500 | 3 | 6 | 529% | 4.8 from 621 reviews |
| |
 Credit Spring | Credit Builder | £300 | £1000 | 6 | 6 | 43.1% | 4.9 from 509 reviews |
|
 Creditstar | Short Term | £500 | £5000 | 6 | 18 | 100.96% | 3 from 9 reviews |
|
 Dot Dot | £100 | £1000 | 3 | 9 | 1228.67% | 4.6 from 673 reviews |
| |
 Drafty | Line of Credit | £50 | £1000 | 1 | 12 | 87.7% | 4.3 from 9,971 reviews |
|
 Everday Loans | Personal | £1000 | £15000 | 18 | 60 | 99.9% | 4.2 from 1,364 reviews |
|
 Fernoto | £200 | £1000 | 2 | 6 | 1244.0% | 4.6 from 2,370 reviews |
| |
 Fintern | Personal | £1000 | £10000 | 6 | 36 | 18.8% | 4.6 from 259 reviews |
|
 Fund Ourselves | £100 | £1500 | 4 | 6 | 504.7% | 4.0 from 1,853 reviews |
| |
 Lending Stream | £50 | £1500 | 3 | 6 | 1333% | 4.5 from 16,227 reviews |
| |
 Loans by Mal | £1000 | £5000 | 9 | 24 | 42.2% | 4.8 from 321 reviews |
| |
 Loans2Go | £250 | £2000 | 18 | 24 | 770% | 1.4 from 2,457 reviews |
| |
 Money Boat/h3> | £200 | £1500 | 1 | 6 | 939.5% | 4.2 from 4,527 reviews |
| |
Morses Club/h3> | £300 | £1500 | 6 | 12 | 498.78% | 4.6 from 1,924 reviews |
| |
 Mr Lender/h3> | £200 | £1000 | 3 | 6 | 1248.3% | 4.7 from 7,298 reviews |
| |
 My Finance Club/h3> | £100 | £400 | 1 | 1 | 1299% | 4.6 from 297 reviews |
| |
 One Stop Money Shop/h3> | £400 | £1000 | 6 | 12 | 295.6% | 4.4 from 57 reviews |
| |
 Salad Money/h3> | £500 | £1000 | 12 | 18 | 69.9% | 4.9 from 2,455 reviews |
| |
 Savvy/h3> | £300 | £1200 | 6 | 12 | 1291.1% | 3.9 from 605 reviews |
| |
 Tappily/h3> | Line of Credit | £250 | £2500 | 1 | 12 | 49.7% APR | 4.8 from 4,125 reviews |
|
 Tick Tock Loans/h3> | £300 | £1000 | 3 | 6 | 1297.93% | 4.7 from 671 reviews |
| |
 TM Advances/h3> | Personal | £1500 | £5000 | 30 | 50 | 180.8% | 2.7 from 4 reviews |
|
Find a loan in 3 steps
Before you start to look for a loan, work out what you can comfortably afford to pay out per month 
- Budget – work out the money you have available with the help of the Citizens Advice Bureau Budget Sheet
- Acceptance criteria – this is also a key part of the lender acceptance criteria – showing that you can afford the repayments.
- Be cautious – it’s worth being cautious – what if your work hours get reduced, or if you have an unexpected expense, would you still be able to cope?
Affordability is one of the key items the lenders are looking for, as part of their responsible lending policies, so it’s worth spending some time on this.
Now you know the monthly commitment you can afford using our loan calculator to
- Estimate monthly repayments for
- Different loan amounts and terms
This will start to give you a feel for the loan size that is affordable for you, and over what period of time.
Remember that increasing the loan term will lower monthly repayments, but
- You’ll have the debt for longer and
- Your overall interest cost could be higher
Just fill out our application form to find a lender who pre-accepts your application. If you have opted for a guarantor loan you and your guarantor will need to be:
- Age 18 or older
- Permanent UK resident
- Not bankrupt or on an IVA
- Have a UK bank account and debit card
One of the key areas that all lenders look at is affordability; can you and your guarantor afford the monthly repayments? While the questions they ask you may vary, this typically will require you to provide some or all the details about your monthly income and expenditure.
For more information see:
Why use this website?
We love guarantor loans and have been helping people get easy access to the very best deals since 2015.
We even do no guarntor loans!
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)
Safe
We are fully FCA regulated and Information Commission Office registered
(we’re a Surrey-based firm)
Get Accepted for a Loan
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.
Choose your loan amount: £500
How many months?
If approved, you could receive funds by 12:23 PM
- 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.
Safe & secure UK website established in 2015
Registered
Compliant