Emergency Loans for Bad Credit

Quick £100 – £5,000 loans for life’s unexpected emergencies

Choose your loan amount: £500
How many months?

If approved, you could receive funds by 10:38 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 49.7% APR

Rates from 43.1% APR to 1,333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 60 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.


What are the emergency loan options?

  • Fast emergency loan solutions from £100 to £5,000
  • Repayment from 3 to 60 months
  • Majority of our lenders process payments within 1 hour to 1 day post approval*
  • Acceptance of previous financial issues like CCJ’s, missed payments, and defaults
  • Quick and efficient application process with just a single 2-minute online form
  • Working with over 35 specialised UK lenders
indian-couple-using-smartphone

* From lender application approval, which can be minutes for the smaller loans



  • one simple form
  • over 30 lenders
  • instant quotes
  • all online
  • bad credit ok
  • free service
  • secure

Frequently Asked Questions

Typically, once a loan application is approved, you should receive the funds within 24 hours.

However, this timeline is largely dependent on how promptly you can provide the necessary information to your chosen lender. The faster you can supply all required documents and meet the lender’s verification processes, the quicker you can expect to see the loan amount deposited into your account. It’s crucial to note that delays in document submission or issues during verification can prolong the overall disbursement time.

How you use the money will need to meet the lenders responsible lending policy*, the main requirement is that the repayments are comfortably affordable.

Past customers have used their emergency funds for:

* A lender’s responsible lending policy in the UK is designed to ensure that loans are granted only to individuals or entities that have a reasonable ability to repay them without undue financial stress. The Financial Conduct Authority (FCA) guides this policy, and it includes careful consideration of a borrower’s financial status, including income, expenditure, credit history, and personal circumstances. Lenders must conduct a thorough and rigorous affordability assessment before offering credit. The policy also requires that lenders provide clear and comprehensive information about the terms and conditions of loans, ensuring the borrower fully understands their obligations.

Loans available from £1,000 to £10,000 💷

AFFORDABILITY

  • One of the main things our lenders look is whether the credit is affordable to you (and if applicable your guarantor) for the full term of the agreement.
  • Also see: Loan Criteria?

OTHER THINGS TO CONSIDER

  • Try and think calmly about the situation you are in and the money you need.
  • Work out the minimum amount you need to borrow.
  • Remember anything you borrow must be paid back plus interest.
  • If you can ‘sleep on it’, this will help you to make a rational decision.
  • Try cutting back on other things in your life and business so to minimise any borrowing.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY

NO 👍

We’ve been helping people since 2015 with

Plus, those who have damaged their credit file by

  • Frequently setting up new accounts
  • Constantly being at their credit limit
  • Apply for credit too often

Find out how to start improving your credit score?

We can offer a better chance of getting accepted than most other websites 👍

Our panel of over 27 poor credit lenders means that we have solutions for most people

  • As long as you have loan affordability 
  • And are not insolvent

So we cannot guarantee that you’ll be accepted but have maximised your chances.

More FAQs

NO 👍

Payday loans are for a few weeks only and

  • Have high-interest rates typically from 365% to 1,575%
  • Are small amounts typically from £50 up to £1,000

Our unsecured and guarantor loans are from 1 to 5 years and:

  • Have representative APRs typically from 29% to 54.9%
  • Are larger amounts from £1,000 to £15,000

CHEAPER 👍

If you have a poor credit rating, then the guarantor loan is typically the lowest cost

  • Guarantor: 29% – 54.9%
  • Doorstep: 535% – 757%
  • Installment: 135% – 1,315%
  • Payday: 365% – 1,575%

Before you apply, consider whether an additional debt is the only solution for you 🤔

Some ideas

  • Vehicles
    • Friend or relative who is ‘good with cars’ who may be able to help with cheaper repairs?
    • Are you able to look up how to solve the problem online and do it yourself?
    • Buy a much cheaper vehicle up until you have saved the money for the one, you’d prefer?
  • Home
    • Does that repair really need to be done now?
    • Friend or relative who may be able to help with cheaper repairs?
    • Are you able to look up how to solve the problem online and do it yourself?
  • Tax
    • Try calling the Inland Revenue, discuss your situation, and if they can help with a payment plan?
  • Business
    • Try speaking to your suppliers, and see if they will extend their terms so that maybe some of your expenses are deferred to when you can afford them?

In many situations, there can be alternative solutions and it is sensible to consider all these before committing to more debt.

Good question*

GUARANTOR

👍 ADVANTAGES

  • Poorer credit files – available to those with the lower credit scores
  • Less Expensive – Representative APRs typically from 29% to 54.9%
  • Borrow more – from £1,000 up to £15,000

👎 DISADVANTAGES

  • Guarantor – you need to find someone to be your guarantor
  • Slower – can be slower as you need a guarantor and all the information from them (can be quick, even same day if they are)

UNSECURED

👍 ADVANTAGES

  • Quicker – as you do not need a guarantor, they are more likely to be paid out the same day
  • Simpler – only need application information from you

👎 DISADVANTAGES

  • Credit score needs to be better
  • More Expensive – rates typically from 26.9% – 89.9%
  • Borrow less – £1,000 up to only £5,000

* Typical advantages and disadvantages only.

Applying is easy and mostly online 📱

  1. Form – fill the 3-minute online application form
  2. Quotes – on clicking get quotes after you’ve filled out the form, these will be presented online in 30-seconds!
  3. Chose preferred – then chose your preferred quote and click on that deal
  4. Finish – complete application with your chosen lender

Note that some lenders may need to speak to you (or your guarantor, if applicable) to finalise your application.


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 10:38 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.

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Safe & secure UK website established in 2015

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