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

Emergency Loans Provide Needed Relief

Key Features

  • There are options available to you if you need emergency money, but have bad credit.
  • Compared to a few years ago, UK lenders are more willing to consider a poor credit score.
  • You may find an increase in interest rates to account for a higher acceptance rate.

When you need money quickly and traditional lending options are denied to you, you might appreciate the relief provided by an accessible loan. Most people truly value the availability of what are sometimes known as really bad credit loans. These are loans offered by direct lenders that cater to people whose credit rating is very low. They may not have any chance at receiving a bank loan or a loan from another conventional financial institution, but if they turn to direct lenders, they are welcomed far more easily.

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

How to get a loan

If you are looking for really bad credit loans, just look for payday lenders and fast cash lenders. These types of direct lenders often offer loans that are suited for people with low credit scores. The way they have set up these loans and the approval process ensures that a credit check isn’t even required. Instead, they’ll be looking at your income and possibly your other finances. Your credit won’t figure in at all, making it easy to get approved, so long as your current financial situation isn’t too dire.
You can often apply for these loans entirely online, filling out the application form in minutes and getting a response back as to whether you have been approved just moments later. That’s a quick and easy way to get the money you need to have, and it’s far easier and simpler than trying to apply for a bank loan.

You should know that most everyone who applies for really bad credit loans is approved for them. It’s generally easy to meet the financial requirements of the loan, as the bar for eligibility is set quite low. You just need to be sure to pay attention to the interest rates and ensure you know what your responsibilities are in regards to the loan.
Utilising the Loan

Once you have been approved for the loan, you should see the money transfer into your bank account in a couple of days. Sometimes, it can transfer in as little as 24 hours, depending on how small the loan is. For really bad credit loans, you should expect them to be short-term loans that aren’t very large. You will be expected to pay back the loan, with all interest and fees, in a matter of weeks or months. If you are applying for a bad credit loan, you aren’t likely to get a large loan or one that takes years to pay back. You may have to wait until your credit situation is better to be approved for those.

You can use really bad credit loans however you like, but you should be aware that you’ll have to start paying back on the loan shortly. You don’t have to pay everything at once, as most of them are set up as instalment loans, where you pay back the loan and the interest in chunks. Set payments will dictate how much has to be paid at a minimum each month, and you are welcome to pay back more than the minimum and pay off the loan early. That’s actually the best way to go, as you can avoid paying some extra interest that way and save yourself some money.

It’s a good idea to set up payment reminders or to have the loan payments automatically deducted from your account when they are due. That way, you won’t forget about the payments and you won’t end up paying late.
If you do pay late, you could accrue more fees and interest and you will hurt your credit score. If you manage to make your payments on time, after you pay off the loan, your credit score could see an increase. Keep handling your financial affairs well and you will see a better credit score in time. You don’t have to be stuck with that bad score forever.

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More Bad Credit Loan Provider FAQs

Can I consolidate debt with my loan?

Most definitely! After receiving your funds from one of many accredited UK bad credit loan providers, you are allowed to use them for any legal purpose you like. This means that if you can obtain a large enough loan, it can enable you to consolidate a number of smaller debts all at once.

Can I apply with a co-signer?

There may be some lenders who will be willing to permit this practice. However, you will need to discuss the matter with them at the time of applying for your loan. If you are able to co-sign with someone else for a loan, you may be able to obtain a larger amount of money in some instances.

What if my repayment is late?

Unfortunately, any late repayments on your bad credit loan will result in additional interest being added on to it – until such time as your loan has been repaid in full. As a result, it’s strongly recommended that you make all instalment repayments on time each week or month.

Do I get same day cash?

Most lenders will be able to provide you with your much needed funds within a matter of 15 minutes to an hour or so at the most after approving your loan application. To ensure that your loan application process goes as smoothly as possible, you must ensure that you provide all of the requested information.

Can I apply if I’m on benefits?

Yes you can! Provided that you are receiving regular and consistent benefits payments, you should be able to find at least a few lenders that will be willing to assist you with the extra funds you need. You will need to disclose this information at the time of applying though.