Specialist UK Lenders for Bad Credit
Browse all our panel of lenders and their bad credit loans 🔎
Browse all our panel of lenders and their bad credit loans 🔎
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.
If approved, you could receive funds by 10:39 PM
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.
Rates from 12.9% 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. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, 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.
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.
Personal Loans
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4.8/5 from 28,892 reviews on Trustpilot
Representative 49.9% APR
Representative example: Amount of credit £2,000 for 24 months. Interest rate: 41.2% pa (fixed). 24 scheduled monthly payments of £123.64. Total amount payable: £2,967.43.
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4.5/5 from 213 reviews on Trustpilot
Representative 47.8% APR
Representative Example: You borrow £1000, Monthly payment: £102.75, Interest and fees: £233.00, Total to repay: £1233.00 47.8% APR (fixed)*
No Reviews
Representative 235.83% APR
Representative example: If you borrow £550 over 6 months at a representative APR of 235.83% and a variable annual interest rate of 127.75%, you’d pay five monthly instalments of £130.25 and your sixth and final payment would be £130.23. The total charge for the credit would be £231.48 so you’d pay back £781.48.
Personal Unsecured Loans
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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.
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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 Builder
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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.
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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.
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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).
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).
Personal Loans
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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.
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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.
Personal Loans
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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.
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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.
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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.
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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.
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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.
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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.
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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%.
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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.
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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).
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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.
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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.
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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.
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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.
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.
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.
Personal Loans
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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%..
Unsecured Loan
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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%
A. Yes, there are many lenders who, which for various reasons are no longer on our panel, these include
Doorstep Loans
Guarantor Loans
Yes
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.
If approved, you could receive funds by 10:39 PM
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.