How much would you like to borrow?

£100 - £1,000£1k - £25k

Borrow £100 to £25,000*


  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000

N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000

N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 month repayment

Representative example: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 238.1% pa (variable). Representative 481.6% APR.

ccta and fca registered lender

Bad Debt Loans When You’re Desperate – No Credit Check?

Key Features

  • There are now solutions for people desperate for a loan with bad debt, whereas a few years ago high acceptance wasn’t common.
  • Though no credit check loans don’t actually exist, high approval rates can help.
  • UK direct lenders offer different interest rates, so it’s wise to compare lending options.

Getting unsecured personal loans with bad credit and no credit check can be a good option for many people who have a bad credit score and are unable to obtain money from other sources. It’s no secret that the banks are biased and pass judgement on people with bad credit scores regardless of their income level and ability to make loan repayments. This can then leave many people in a situation where they may become destitute and have nowhere to turn this is a down side of loans for poor credit.

Luckily, there are lenders who specialise in bad credit loans, and they are responsible for helping countless people get access to the funds that they so desperately needed. Applying for a bad debt loan isn’t as hard as you may think there are plenty of lenders are set up for bad debt.

In a hurry to apply? You can get loans instant decision from us with just a simple online application.

Borrow anything from £100 to £25,000 today.
Quick online application takes minutes.

What Are Unsecured Personal Loans Bad Credit No Credit Check?

This is a type of loan that doesn’t have any collateral offered on your part, so they are not secured.They are also for people who have bad credit, and there is no credit check performed. The repayment terms could be agreed upon between you and your lender, and they could be weekly, biweekly, or monthly.

Desperate Loans – How Could This Type of Loan Benefit Me?

People can get into debt for a variety of reasons, and these lenders know this. Just because someone has a bad credit score doesn’t necessarily mean that they are incapable of making loan repayments. Someone may have been involved in an accident which resulted in a trip to the emergency room and they were stuck with a huge medical bill they couldn’t cover. Unforeseen circumstances such as this has led many people to getting into debt and then resulting in non-payments and a bad credit score.

The good thing is that these lenders know that getting a bad credit score is easy and isn’t always the person’s fault either. If you have bad credit because of a situation similar to the one above or even if it was just because you made some poor financial decisions years ago then this type of loan may be perfect for you. The best benefits of getting this loan would be to pay off some of the debt you have now or to cover an expense which has arisen out of the blue. It’s very common for a car or home to require urgent repairs but sometimes there’s just not enough cash lying around to cover the cost.

If you are getting a small loan but are actually looking to get a much larger amount over a longer term period but are concerned that you will be refused due to your bad score then you do have other options.

Asking a relative or trusted friend to act as a guarantor for your loan can reduce the lender’s risk thus allowing him to offer you a lower interest rate. Having a guarantor not only helps reduce rates and fees, it also allows you to grow or repair your credit score once you finish paying off the loan. If you need a money right away, these loans can help you get the best loan deal suited to your affordability.

Bad Credit Desperate Loans: Should You Get One?

Financial problems cannot be solved overnight, so you need to work out a plan to help you get through them. Even unpaid small bills can have penalties so it is important to settle them on time to avoid your bills from piling up. Your best option is to apply for an unsecured loan for bad credit and with no credit check if you are in dire for cash. It’s a simple and hassle-free way of obtaining the funds that you need in the shortest possible time.

Don’t wait! Get an instant decision now
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More Bad Debt Loan FAQs

Can I shop around between lenders to get better interest rates?

You most certainly can do this, especially if you qualify for loans with more than one lender. There may be cases where interest rates will differ between lenders, so it will be worth your while to compare options after various lenders have contacted you to offer you a loan.

Can I co-sign to obtain a loan with someone else?

This may be possible in some cases. However, policies regarding co-signing (or guarantors) will vary between different lenders. Many lending institutions will only approve co-signing if you are applying with a partner, spouse or other immediate family member. Some lenders may be willing to let you co-sign with other individuals, but this policy will also vary between institutions.

Can I borrow smaller amounts of cash?

Yes! These days, there are many lenders who will be willing to provide you with cash amounts of as little as £50 at a time. The institution that contacts you to offer their services will be able to let you know how small of an amount they will be willing to assist you with.

Will obtaining a loan negatively affect my credit rating?

While applying for and obtaining desperate loans will not have a negative effect on your existing credit rating, late repayments could. As a result, you should ensure that all repayment instalments are made on time.

Will online loans be suitable for everyone?

Individuals who don’t yet have a credit history or who have a bad credit rating or bad debt levels as a result of previous financial struggles and cannot obtain loans from regular banks or lending institutions most often use these type of loans. However, they can be used by anyone who qualifies for them and lenders will be willing to work with you to ensure that you obtain a loan option that is best suited to your financial circumstances. Individuals who aren’t willing to wait days or even weeks for a traditional bank to approve a loan can also obtain these loans.