Loans for Bad Credit Made Easy

Need a loan but tired of

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  • Banks saying “NO”
  • Expensive payday & short term finance
  • Filling out loads of application forms


We take the pain of borrowing money

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  • Poor financial history is not a problem
  • Affordable rates and no hidden fees
  • One quick simple application form to multiple lenders*

One simple application will get you multiple offers in minutes

*Multiple offers and lenders apply to over £750 only

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  • Consollo Logo
  • UK Credit Logo
  • First Stop Guarantor Loans Logo
  • George Banco Logo
  • TFS Loans Logo
  • First Banco Logo
  • The Quick Cash Club Logo
  • One Plus One Loans Logo

We make applying for a loan easy

One simple application to multiple lenders to quickly get the money you need.

Do you need to borrow money but worried about being turned down by your bank?

Relax, our fast application will get you a widest choice from the very best lenders in the UK.

When you press ‘Quick Application’ below there are no fees and absolutely no obligation to take out; all you will get is a range of offers so you can decide if one is right for you (multiple lenders and offers for over £500 only).

We have done the hard work for you by putting a range of professional lenders all under one roof, saving you from making multiple applications.

Our service to you is free as we get paid by the lender, and the offers you get from each lender have exactly the same rates and charges as if you have gone to them directly.

Frequently Asked Questions

Can I still get a loan even if my recent financial history is poor?

You will still be able to get a loan with us.

  • We have a wide range of specialist lenders who offer a range of available products, even if you have a low score.
  • The products we offer require you to find someone to guarantee your repayments; they become your backer and our lenders look at their file rather than yours.
  • Our products are significantly cheaper then many of the current available options. To find out how much you can afford to borrow, go to our Loan Calculator

Under what circumstances will my application be accepted?

Quite simply, as long as you can meet our lenders criteria you will be eligible for a number of poor credit loans:

  • Eligibility criteria No 1 is that your credit score does not matter!
  • There is lender criteria that you need to meet, such as being over 18, having UK residency / bank account & debit card, plus not being in an IVA, Trust Deed or Bankrupt
  • You also need a friend, colleague or family member; to be your guarantor. For more information see Guarantee Criteria

How much can I borrow and what can I use the money for?

(1) £50 to £750 for typically up to 30 days and

(2) £750 to £10,000 from 1 year to 5 years

  • To specifically find out how much our lenders will lend you will need to apply and you will be send a number of offers.
  • In terms of what the money can be used for, whilst we do encourage people to only borrow for absolute necessities, in reality as long as you meet the lending criteria you will be able to borrow the funds for any purpose.

Are you just another expensive type of payday-loan?


  • Payday finance are extremely expensive, with APR’s as high as 5,000% APR!
  • Our lenders products are typically APR 49.4% for loans up to £10,000 and 630% for loans below £750
  • Our poor credit are much more affordable and better value than payday loans

4 Easy Steps

1. Calculator

Calculate how much you can afford to borrow and for how long

2. Easy Online Form

One quick online form to our panel of multiple lenders

3. Multiple Offers

Receive a choice of no obligation offers from multiple lenders

4. Get Your Money

Send off your preferred offer and get your cash

What the newspapers say:


“a good stepping-stone for those with limited borrowing options”

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“guarantor borrowing can be less painful – and help repair debt-history damage”

Read more

Apply now

£50 to £500 pay out in as quickly as one hour, £500 to £10,000 in 24 hours after receipt of a completed application

Borrowing + interest & fees of = Total to repay
* Based on repaying after 30 days

Borrowing over your repayments will be approx. per month and in total. For actual figures hit Get My Loan to get a choice of free, no obligation loan offers from the best bad credit loans lenders in the UK.

Risk Free Guarantee

no risk free
  • No credit checking*
  • No obligation to take out finance
  • No application or broker fees
  • Secure online application

More Frequently Asked Questions

How do I find someone to guarantee my borrowing?

There are lots of people who could be your guarantor and back your application. Friends, family members, work colleges, plus anyone else whom you have a relationship with, someone who trusts you.

  • They will need to have a clean (or very marginally imperfect) credit rating plus meet the criteria
  • Remember that it is you who will be paying the money back, all they are doing is providing the lender another way of getting paid just in case you were to default on the payments
  • Step one we recommend making a list of all the people whom you think could be suitable guarantors
  • Then prepare well so you can answer all their potential questions before they ask them

- Why do you need the money, how much will you be borrowing and for how long?

- Can you afford your repayment?

How can I make someone comfortable about being my guarantor?

Before asking someone to guarantee you loan we recommend preparing for all the questions that they may ask you:

  • How much you will be borrowing and why you are borrowing the money?

People will just need to be comfortable that you are borrowing the money for the right reasons

  • How much your repayments will be and over how long?

Not only do you need to be very comfortable with your repayments; but the person guaranteeing you loan needs know that you can afford the financial commitment. If necessary you may need to be quite open with them, just to make them confident that you will and can repay the money.

To find out how much the repayments when borrowing differing amounts over different periods of time please see out Calculator.

What are the fees and charges?

Make an application is absolutely free and there is no obligation once you have received a number of offers.

  • To find out the costs use our calculator as this will give you the approximate costs over all our lenders
  • Though to get the exact and most up to date fees and interest rates apply and you will be send a number of offers from our lenders
  • There are no early repayment charges

Can I pay off the loan early or make lump sum payment so it’s paid off quicker?

You can both pay of the balance early and make lump sum payments so it is paid off quicker:

  • All interest is calculated on a daily basis, so as soon as you make extra payments your interest charges will reduce
  • Also if you want to pay the balance off completely, you are able to at any time and you will not be penalised for this

Apply now

£50 to £500 in as quickly as one hour

£500 to £10,000 in 24 hours after receipt of completed application