Specialist UK Lenders for Bad Credit
Browse all our panel of lenders and their bad credit loans
Secure UK website est. 2015
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
Choose your loan amount: £500
How many months?
- No Hidden Fees or Surprises
- Free No Obligation Quote Without Harming Your Credit Score
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 APR: 79.5% (variable)
Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months.
Representative Example: £1,000 borrowed for 18 months. Monthly Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £605.96, an annual interest rate of 59.97% (fixed).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000.
Our Lender Panel
See our current panel* of specialist poor credit lenders. The most suitable for you will depend on the amount you wish to borrow and your personal circumstances (income, expenses, credit rating, etc).
We can help you find you a potentially suitable lender by filling out our quick online application form.
* Lender panel subject to change without notice.
Bopay
Line of Credit
Borrow: revolving line of credit
Repay over: revolving line of credit
Representative 29.9% APR (variable)
Representative example: The APR and credit limit offered are based on Bopay’s assessment of your creditworthiness and affordability. Representative 29.9% APR (variable).
Cash Float
Borrow: £300 to £2,500
Repay over: 3 to 6 months
⭐⭐⭐⭐⭐
4.5/5 from 176 reviews on Trustpilot
Representative 611.74% APR
Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%.
Credit Spring
Credit Builder
Borrow: £300 to £1,000
Repay over: 6 months
⭐⭐⭐⭐⭐
4.7/5 from 2,325 reviews on Trustpilot
Representative 43.1% APR
Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Total amount payable £1,120.
Drafty
Line of Credit
Borrow: £50 to £3,000
Repay over: revolving line of credit
⭐⭐⭐⭐⭐
4.3/5 from 9,974 reviews on Trustpilot
Representative 89.7% APR
Representative example: If you draw £100 against your line of credit at 89.7% APR and were to pay only the minimum due, it would be paid off in 3 months for a total of £109. There are no additional fees. Annual Interest Rate: 65.7% (0.18% per day).
Fernovo
Borrow: £200 to £1,000
Repay over: 2 to 6 months
⭐⭐⭐⭐⭐
4.6/5 from 2,374 reviews on Trustpilot
Representative 1244.0% APR
Representative Example: Total amount of credit: £300. Duration of the agreement: 90 days. Interest: £150.57. Instalment one: £150.19. Instalment two: £150.19. Instalment three: £150.19. Total amount payable = £450.57.
Guarantor My Loan
Borrow: £2,000 to £10,000
Repay over: 12 to 60 months
⭐⭐⭐⭐⭐
4.9/5 from 557 reviews on Trustpilot
Representative 48.9% APR
Representative Example: £4,000 over 36 months. Monthly payment £193.56. The interest is 17% per annum fixed and service fee is 23.48% per annum fixed. Interest payable £1,246.63 and service fee payable £1,721.53. Total repayable £6,968.16.
Loans 2 Go
Borrow: £250 to £2,000
Repay over: 18 to 24 months
⭐⭐⭐⭐⭐
4.5/5 from 4,142 reviews on feefo
Representative 770% APR
Representative Example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total.
Lending Stream
Borrow: £50 to £1,500
Repay over: 3 to 6 months
⭐⭐⭐⭐⭐
4.6/5 from 16,953 reviews on Trustpilot
Representative 1,333% APR
Representative example: If you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total.
Money Boat
Borrow: £200 to £1,500
Repay over: 2 to 6 months
⭐⭐⭐⭐⭐
4.8/5 from 6,971 reviews on Trustpilot
Representative 939.5% APR
Representative example: Borrow £400 for 4 months, four monthly repayments of £149.37. Total repayment £597.48, interest rate p.a. (fixed) 255.5%.
Monixa
Borrow: £200 to £1,500
Repay over: up to 6 months
Representative 1230% APR
Representative example: Given a Representative APR of 1230%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £99.71. You will repay £598.25 in total.
Mr Lender
Borrow: £200 to £1,000
Repay over: 3 to 6 months
⭐⭐⭐⭐
4.8/5 from 9,309 reviews on Trustpilot
Representative 1,256.4% APR
Representative example: Borrow £300 for 6 months, repay with 6 payments. Payment 1: £122.00. Payment 2: £110.00. Payment 3: £98.00. Payment 4: £86.00. Payment 5: £74.00. Payment 5: £62.00. Rate of interest 0.8% per day on outstanding capital. Total repayable £552 (based on 30-day periods). Interest rate 292% per annum (fixed).
My Finance Club
Borrow: £100 to £400
Repay over: 7 to 38 days
⭐⭐⭐⭐
4.6.5 from 300 reviews on Trustpilot
Representative 1,299% APR
Representative example: Loan amount £100 repayable over 30 days. Total amount repayable £124 by one installment of £124. Interest 0.8% per day, 292.00% p.a. fixed.
