Poor Credit Loans from £100 to £5,000

Loan quotes in 2-minutes from all lenders who’ve pre-approved you 😀

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.

  • fast online form
  • over 35 lenders
  • compare online quotes
  • no credit file impact
  • fully secure
  • free service


  1. Poor credit history (CCJ’s & defaults okay)
  2. Up to £5,000 loan options without a guarantor
  3. Simple online application
  4. Automatically sent to over 30 lenders
  5. Online quotes in an easy to read table
  6. Apply online with your preferred lender
  7. Fast payout times are typically 1-2 days*

* From lender application approval

  1. Guarantor not required
  2. Payment defaults and CCJ’s OK
  3. Fast payout times from 1-hour to 1-day*
  4. Easy 2-minute online form
  5. Multiple quotes from our panel of over 30 lenders
  6. Choose from lenders who have pre-accepted you
  7. The money could be with you in one hour

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

Representative Example

Loans over £1,000: 49.9% Rep APR

  • If you borrow £3,250 over 36 months
  • At a Representative rate of 49.9% APR
  • An annual interest rate of 41.16% (fixed)
  • You would pay 52 monthly instalments of £158.57
  • The total charge for credit will be £2,464.57
  • The total amount payable will be £5,714.67

Loans under £1,000: 99.8% Rep APR

  • If you borrow £500 over 52 months
  • At a Representative rate of 99.8% APR and an annual interest rate of 99.8% (fixed)
  • You would pay 52 monthly instalments of £13.41
  • The total charge for credit will be £197.32
  • The total amount payable will be £679.32


Fast Online Form

Only 2-minutes to fill out form and get multiple quotes

Compare Loans

Compare the loans you've been pre-approved for

Select Favourite

Choose your top loan and finish application with lender online

Funds Paid Out

If approved the money could be with you in an hour!

Frequently Asked Questions

Our lenders specialise in helping people with a poor credit score 👍

  • Missed payments OK
  • CCJ’s OK
  • Defaults OK
  • Bad credit score OK

Each lender had their own acceptance criteria, but the main things they look for are

  • That you have some form of regular income
  • You can comfortably afford the repayments

Our lenders do a wide range of loans from £100 up to £20,000.

Each lender has its own acceptance criteria, though some typical factors which affect how much you can borrow are:

  • Affordability – how much you can sustainably afford per month for your repayments
  • Loan type – the type of loan you choose, for example, an installment loan will only allow you to borrow up to £2,000, whereas a guarantor loan all the way up to £20,000.
  • Guarantor – for larger loans typically £8,000 plus, these will require a guarantor (someone who pledges to make your re-payment if you cannot).
  • Loan term – typically for the larger loans, these are typically spread over longer periods, such as 12 months up to 84, whereas the smaller loans up to say £1,500 are often for 1 to 12 months.
  • Credit file – if your credit score is ‘not too bad’, some of our unsecured lenders will loan higher amounts.
  • Occupation – if you have very stable employment, for example, you’re a keyworker, then this can help.

You are allowed to use the loan funds how you please, so long as it’s legal and moral 👍

  • Smaller loans – people typically use them for
    • Emergencies – to cover the unexpected, such as a boiler, or car repair
    • Bills – for large, unexpected bills, to help spread the cost
  • Larger loans – people typically use them for
    • Vehicles – larger repairs or vehicle replacement
    • Home improvements
    • Travel – holidays or business travel
    • Debt consolidation – replacing numerous smaller expensive debts with one lower-cost loan

Only if you make many full applications to multiple lenders 🤔

  • Applying through this website – getting quotes though this website does not impact your credit file in any way.
  • Applying with your chosen lender – when you apply with our chosen lender, they will do a full credit search which will appear on your credit report. This is only a problem if you make multiple lender applications, as this indicates to other lenders that you could be getting turned down, and desperation (whether this is actually true or not).

We, therefore, suggest that you only make one application once you’re sure that is the loan you wish to proceed with.

This will depend on the type of loan you go for

  • A few hours* – Smaller payday & installment loans up to £1,000 are typically the quickest
    • Can get paid out within one hour of application
    • These loans can also be the most expensive (1,000% + Representative APRs)
  • One to Two Days* – Larger unsecured and guarantor loans from £1,000 upwards
    • Typically take longer (1-2 days from receiving a fully completed application), as more checks are required.
    • These loans are normally more reasonable (49.9% Representative APR)

* These approximate pay-out times do vary from lender to lender and will be subject to the lender receiving a fully completed and accurate application with all required supporting documents.

We have a simple process:

  1. Fill out our easy 2-minute online form
  2. Your details are sent automatically to over 35 lenders and within 30-seconds you will see loan quotes
  3. Compare the loans you’ve been pre-approved for on our easy to read online table
  4. Choose your preferred loan
  5. Finish off your application with your chosen lender

This will depend on

  1. Interest rate and charges with your chosen lender
  2. Amount of money you borrow
  3. The term for which you borrow the money

Remember, if you make the term longer, whilst this could lower your monthly repayments, it could mean overall you pay more in interest charges.

Use the loan slider to find out costs for different loans over different terms.

More Questions

In some cases, yes

1. Improving your credit score 👍

You will improve your credit score if you

  • Get out a larger unsecured or guarantor loan
  • Make all your repayments on time and in full
  • Repay the loan in full as per the loan agreement

2. Possible impact on your credit score 🤞

If you take out the following short-term loans, some lenders (especially for larger loans) may see this as an indication of poor money management (even if this is untrue)

  • Payday loans
  • Installment loans
  • Doorstep loans

So even if you make all repayment in full, it is possible that these loan types could in the future affect your ability to get a larger unsecured loan or mortgage.

3. Negative impact on your credit score 👎

Any of the following will have a negative credit score impact

  • Late payments
  • Missed payments
  • Reduced payments
  • Failure to repay the loan in full

The negative impact will depend on how many, so for example 3 late payments will have a greater impact than 1.

Probably “no” for smaller loans, and “yes” for larger loans

  1. Most of the process is online
  2. For the smaller loans up to £1,000, most lenders will do the full application online
  3. For larger loans, some lenders want to speak to you (and if relevant your guarantor) finalise the application
  1. Getting quotes through this website – no fees or charges, it’s free
  2. Applying with a lender – none of our lenders charge upfront fees, so applying is free
  3. Taking out a loan – this will vary from lender to lender, as all have varying interest rates and fees

To find out the costs of getting a loan > Get Quotes

Unfortunately, our lenders do not accept people who are insolvent 👎

  • Undischarged bankrupt
  • ICA (or Trust Deed in Scotland)
  • Debt management plan (DMP)

Yes 👍

  • We are a UK based business and fully regulated by the Financial Conduct Authority – Permission Reference Number 715726.
  • All our lenders are also UK based businesses also fully regulated by the Financial Conduct Authority

By law, you have the right to change your mind with a 14-day cooling-off period 👍

  • Tell your lender within 14-days
  • Return the full loan amount within 30-days including all interest and fees
  • When done, your account will be closed
  • See the FCA’s page on your Right to Cancel.

All lenders have different Right to Cancel procedures, so contact your lender to find out exactly how to do this.

Featured Poor Credit Loans

Selected deals from our different loan types:

Cash Float Logo

Cash Float Loans | Type: Instalment

  • £500 - £1,000 Borrow
  • 3 to 6 months Term
  • 529.09% Representative APR
  • 4.8 from ‎‎621 reviews
Likely Loans Logo

Likely Loans | Type: Unsecured Poor Credit

  • £500 to £5,000 Borrow
  • 12 to 36 months Term
  • 59.9% Representative APR
  • 2.7 from 154 reviews
Dot Dot Loans Logo

Dot Dot Loans | Type: Instalment

  • £200 - £1,000 Borrow
  • 3 to 9 months Term
  • 757.7% Representative APR
  • 4.6 from ‎‎673 reviews
Everyday Loans Logo

Everyday Loans | Type: Unsecured Poor Credit

  • £1,000 to £5,000 Borrow
  • 24 to 60 months Term
  • 99.9% Representative APR
  • 4.2 from 1,364 reviews
Cash ASAP Logo

Cash ASAP | Type: Instalment + Payday

  • £100 - £750 Borrow
  • 1 to 3 months Term
  • 1,297% Representative APR
  • 4.4 from ‎‎1,769 reviews
Fair Finance Logo

Fair Finance | Type: Unsecured Poor Credit

  • £100 to £3,000 Borrow
  • 6 to 18 months Term
  • 153% Representative APR
  • 4.8 from 331 reviews
Guarantor My Loan Logo

Guarantor My Loan | Type: Guarantor

  • £1,000 to £10,000 Borrow
  • 12 to 60 months Term
  • 48.9% Representative APR
  • 4.6 from ‎‎3,117 reviews
Provident Personal Credit Logo

Provident | Type: Doorstep

  • £100 to £1,000 Borrow
  • 26 to 52 weeks Term
  • 466.4% Representative APR
  • 4.8 from 3,605 reviews
Buddy Loans Logo

Buddy Loans | Type: Guarantor

  • £1,000 to £10,000 Borrow
  • 12 to 60 months Term
  • 49.9% Representative APR
  • 4.6 from ‎‎3,117 reviews
UK Credit Logo

UK Credit | Type: Guarantor

  • £5,000 to £20,000 Borrow
  • 36 to 84 months Term
  • 29.9% Representative APR
  • 4.4 from ‎‎1,559 reviews

Loans for poor credit from £100 to £5,000

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