Specialist UK Lenders for Bad Credit

Bamboo Loans

Personal Unsecured Loans

Borrow: £1,000 to £8,000

Repay over: 12 to 60 months

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4.9/5 from 27,445 reviews on Trustpilot

Representative 59.7% APR

Representative example: On an assumed loan amount of £3,000.00 over 30 months. Rate of interest 47.73% per annum (fixed). Representative 59.7% APR. Total amount payable £5,190.50 of which £2,190.50 is interest. 29 monthly repayments of £173.02 and a final payment of £172.92.

Cash Float

Instalment Loans

Borrow: £300 to £2,500

Repay over: 3 to 6 months

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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

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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.

Creditstar

Short Term Loans

Borrow: £500 to £5,000

Repay over: 6 to 18 months

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3.0/5 from 9 reviews on Trustpilot

Representative 100.96% APR

Representative example: Amount of credit £900 over 12 months. Interest £398.81. Interest rate 73% pa (fixed), 0.2% per day of the amount borrowed. Repay with 12 equal instalments of £108.23. Total amount payable 1298.81.

Dot Dot Loans

Instalment Loans

Borrow: £100 to £1,000

Repay over: 3 to 9 months

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4.6/5 from 2,149 reviews on Trustpilot

Representative 1228.67% APR

Borrow £250 over 3 months with a monthly repayment of £133.65 Total amount payable is £400.95. Interest rate 284.76% p.a. (fixed).

Drafty

Line of Credit

Borrow: £50 to £3,000

Repay over: revolving line of credit

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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).

Everyday Loans

Personal Loans

Borrow: £1,000 to £15,000

Repay over: 18 to 60 months

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4.9/5 from 21,330 reviews on feefo

4.5/5 from 5,198 reviews on Trustpilot

Representative 99.9% APR

Representative example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706.

Fernovo

Instalment Loans

Borrow: £200 to £1,000

Repay over: 2 to 6 months

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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.

Fintern

Personal Loans

Borrow: £1,000 to £10,000

Repay over: 6 to 36 months

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4.6/5 from 262 reviews on Trustpilot

Representative 89.7% APR

Representative example: £2,000 loan repayable over 36 months. 36 monthly payments of £71.66. Rate of interest 18.8% p.a. (variable). Representative 18.8% APR (variable). Total amount repayable £2,579.56.

Fund Ourselves

Instalment Loans

Borrow: £100 to £1,500

Repay over: 4 to 6 months

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4/5 from 1,856 reviews on Trustpilot

Representative 504.7% APR

Representative example: Borrow £200 for 122 days. Interest rate 211% p.a. (fixed). Total repayable£286.82. Four repayments of £71.71 each.

Guarantor My Loan

Guarantor Loans

Borrow: £2,000 to £10,000

Repay over: 12 to 60 months

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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.

Lending Stream

Instalment Loans

Borrow: £50 to £1,500

Repay over: 3 to 6 months

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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.

Loans 2 Go

Short Term Loans

Borrow: £250 to £2,000

Repay over: 18 to 24 months

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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.

Mal

Short Term Loans

Borrow: £1,000 to £5,000

Repay over: 9 to 24 months

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4/8 from 323 reviews on Trustpilot

Representative 504.7% APR

Representative example: on an assumed loan amount of £2200 over a 24-month repayment period. Rate of interest 21.4% per annum (fixed). Total amount payable is £3141.60 of which £941.60 is interest, 24 monthly repayments of £130.90.

Money Boat

Instalment Loans

Borrow: £200 to £1,500

Repay over: 2 to 6 months

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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%.

Morses Club

Doorstep Loans

Borrow: £200 to £1,000

Repay over: 39 to 52 weeks

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4.2/5 from 2,942 reviews on Trustpilot

Representative 498.78% APR

Representative Example: £400 loan repayable over 39 weeks at £18.96 per week, Rate of interest 113.46% p.a fixed; Total amount payable is £739.44.

Mr Lender

Instalment Loans

Borrow: £200 to £1,000

Repay over: 3 to 6 months

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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

Payday Loans

Borrow: £100 to £400

Repay over: 7 to 38 days

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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.

One Stop Money Shop

Instalment Loans

Borrow: £400 to £1,000

Repay over: 6 to 12 months

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4.4/5 from 60 reviews on Trustpilot

Representative 295.60% APR

Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00.

Salad Money

Short Term Loans

Borrow: £500 to £1,000

Repay over: 12 to 18 months

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4.9/5 from 2,465 reviews on Trustpilot

Representative 69.9% APR

Representative example: Loan repayable over 18 Months: £1000.00. 17 Months at £83.36. Final payment: £77.06. Rate of interest: 54.19%. Total amount repayable: £1494.18.

Savvy

Instalment Loans

Borrow: £300 to £1,200

Repay over: 6 to 12 months

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4.8/5 from 267 reviews on feefo

Representative 1291.1% APR

Representative example: Borrow £400 – 6 monthly repayments of £133.33. Total cost of credit £399.98 which is £399.98 interest at 291.50% pa fixed. Total amount repayable £799.98.

Tappily

Line of Credit

Borrow: £250 to £2,500

Repay over: revolving line of credit

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4.8/5 from 4,136 reviews on Trustpilot

Representative 49.7% APR

Representative Example: Amount of credit: £900. Interest rate: 0.34% per day for up to 75 days (25.5% (variable) per annum). Representative 49.7% APR (variable). For example, if you borrow £150 for four days, the interest per day would be £0.51 and the total interest would be £2.04 representing four days at £0.51 per day.

Tick Tock Loans

Instalment Loans

Borrow: £300 to £1,000

Repay over: 3 to 6 months

No Reviews

Representative 1297.93% APR

Representative example: Borrow £300 and pay £151.44 per month for 3 months at a fixed interest rate of 0.8% per day (292% per year). The total charge for credit is £154.32 (all interest). The Total Repayable is £454.32.

TM Advances

Personal Loans

Borrow: £1,500 to £5,000

Repay over: 30 to 50 months

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2.7/5 from 3 reviews on Trustpilot

Representative 180.8% APR

Representative example: Amount of credit £2,000.00. Pay 35 monthly repayments of £189.00. Total amount payable £6615.00. Annual interest 79.2% fixed. Representative apr 180.8%..

UK Credit

Unsecured Loan

Borrow: £3,000 to £20,000

Repay over: 36 to 60 months

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4.5/5 from 1,589 reviews on Trustpilot

UK Credit Representative: 26.9% APR (fixed)

Representative Example: £17,000 over 60 months, representative 26.9% APR fixed. Monthly payment £489.66 Annual interest rate 24.06% fixed. Interest payable £12,379.60. Total repayable £29,379.60. Minimum repayment period: 36 months. Maximum repayment period: 120 months. Maximum APR 34.9%