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

Instant Decision Bad Credit Loans Online

Key Features

  • Getting an instant decision online for a loan, even with bad credit is possible nowadays.
  • When you need money fast, but have been rejected before, there are now options available.
  • Interest rates will vary between UK direct lenders so it’s important to compare.

Instant bad credit loans are becoming increasingly popular and are starting to gain some real traction on the lending scene. Consumers love this type of loan because of the incredibly fast turnaround time that it takes to be approved after making an application.

People who apply for these loans come from virtually all walks of life and just because they have a bad credit score, doesn’t mean they can’t make loan repayments. If you are in a tough financial spot, have bad credit, and need access to funds quick, then instant bad credit loans could be your best option.

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

What Are Instant Bad Credit Loans?

Instant bad credit loans are a type of loan for people who have bad credit, and the funds are given instantly upon approval. Because this loan is for people who have bad credit, the application process can be incredibly quick and just involve some standard questions in addition to proof of identification and income. How easy is that? If you have a bad credit score but have a job that provides you with more than enough income to cover the loan repayments, then you could get an instant bad credit loan to cover your financial problem and get on with your life.

When Might I Need This Type of Loan?

There are so many variables that can happen over the course of our lives that can influence our financial situation. People have accidents, lose their jobs, go through divorces, and experience all kinds of problems that result in a financial strain occurring. You could be working in a job for many years and out of nowhere get made redundant. What are you going to do if this happens? You may not be able to get employment for months and have to use a credit card to survive. If you didn’t manage to get employment for an extended period of time and maxed out your credit card as a result, you now more than likely have a bad credit score.

You could be at home watching television with your family and have a bird fly through one of your very large windows. You obviously can’t just leave your home with a massive hole in it, so you have to get that window fixed as soon as possible. You will have to pay for the window and the people to come out and install it for you. Can you do this if you don’t have any savings or a line of credit?

What if you were at the park with your children and one of them fell over and chipped a tooth? That will need to be fixed as soon as possible, and if you don’t have insurance, you can be sure that the dentist’s bill is going to come as a very unexpected expense.

Maybe you forgot about the overdue bill and the final notice has just arrived at your door. If you don’t get this bill paid, it could be dire consequences for you and your family. Again, without any savings or a line of credit to use, how will you be able to pay this bill?

There are so many situations that could unexpectedly arise and result in you needing to pay for something fast. If you have a bad credit score, the banks certainly aren’t going to be around to help you in these situations. Some people have been left destitute because of bank checks wouldn’t give them a loan in their time of need. Thankfully, there are instant bad credit loans that you could look into if you ever come into a situation like these.

Should I look Into Instant Bad Credit Loans?

Let’s face it you don’t want to end up in a situation like those mentioned above. Remember, the banks aren’t going to help you and they don’t care how much money you make but there are options near you. If you have a bad credit score, then instant bad credit loans could definitely be your best option, and they could be able to help you get out of a tough financial predicament. The application process is so fast and as the name suggests, you can have your money within a very short amount of time. So, don’t even think about going to the banks; they aren’t going to help you. Instant bad credit loans lenders will help you, though, and you could find yourself back on your feet in no time all because they weren’t biased against you because of your credit score.

Don’t wait! Get an instant decision now
Compare instant decision bad credit loans

What can I do if I wish to complain?
Information about complaints can be found in our complaints policy.

What if I can’t keep up my repayments?
If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly instalments some companies will adjust your monthly instalments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do I do next?
Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldn’t take you longer that 3 minutes its as simple as you can get.