Compare Bad Credit Loans

Easily compare our lender’s loans on one simple table

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 9:50 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.


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.


How to compare the loans?

We do this automatically for you after you have filled out our application form

  • Your application is sent to over 35 lenders
  • Finding one who will pre-approve your application
  • If found you’ll be automatically sent to that lender
  • You complete your application with that lender
  • Compare our lenders on the loan table below



  • 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.

LenderLoan TypeMin AmountMax AmountMin TermMax TermRep APRReviewsApply
118-money-logo

118 Money

Personal

£1000£5000123649.9%4.8 from 28,831

apply button

auden-logo

Auden

Instalment

£200£1000312235.83%None

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bamboo logo

Bamboo Loans

Personal

£1000£5000126049.7%4.9 from 18,997

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one-plus-one logo


1 Plus 1 Loans

Guarantor

£500£5000126045.4%1.8 from 1,165

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Guarantor My Loan


guarantor my loan logo

Guarantor

£2000£10000126048.9%4.8 from ‎‎286 reviews

apply button

cash float logo

Cash Float

Instalment

£300£250036529%4.8 from ‎‎621 reviews

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credit spring logo

Credit Spring

Credit Builder

£300£10006643.1%4.9 from ‎‎509 reviews

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credit star logo

Creditstar

Short Term

£500£5000618100.96%3 from ‎‎9 reviews

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dot dot loans logo

Dot Dot


Instalment

£100£1000391228.67%4.6 from ‎‎673 reviews

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drafty logo

Drafty



Line of Credit

£50£100011287.7%4.3 from 9,971 reviews

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everyday loans logo

Everday Loans

Personal

£1000£15000186099.9%4.2 from 1,364 reviews

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fernovo loans logo

Fernoto

Instalment

£200£1000261244.0%4.6 from 2,370 reviews

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fintern loans logo

Fintern

Personal

£1000£1000063618.8%4.6 from 259 reviews

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find ourselves loans logo

Fund Ourselves

Instalment

£100£150046504.7%4.0 from ‎‎1,853 reviews

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lending stream logo

Lending Stream

Instalment

£50£1500361333%4.5 from ‎‎16,227 reviews

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loans by mal logo

Loans by Mal

Short Term

£1000£500092442.2%4.8 from ‎‎321 reviews

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loans2go logo

Loans2Go

Short Term

£250£20001824770%1.4 from ‎‎2,457 reviews

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money boat logo

Money Boat/h3>

Instalment

£200£150016939.5%4.2 from ‎‎4,527 reviews

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morses club logo


Morses Club/h3>

Doorstep

£300£1500612498.78%4.6 from 1,924 reviews

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Mr Lender logo

Mr Lender/h3>

Instalment

£200£1000361248.3%4.7 from ‎‎7,298 reviews

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my finance club logo

My Finance Club/h3>

Payday Loans

£100£400111299%4.6 from ‎‎297 reviews

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one stop money shop logo

One Stop Money Shop/h3>

Instalment

£400£1000612295.6%4.4 from ‎‎57 reviews

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salad money logo

Salad Money/h3>

Instalment

£500£1000121869.9%4.9 from 2,455 reviews

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savvy logo

Savvy/h3>

Instalment

£300£12006121291.1%3.9 from 605 reviews

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tappily logo

Tappily/h3>

Line of Credit

£250£250011249.7% APR4.8 from 4,125 reviews

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tick tock loans logo

Tick Tock Loans/h3>

Instalment

£300£1000361297.93%4.7 from 671 reviews

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tm advances logo

TM Advances/h3>

Personal

£1500£50003050180.8%2.7 from 4 reviews

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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

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 9:50 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.

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