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£100 - £1,000£1k - £25k
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Borrow £250 to £3,000


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

Short Term Loans

£250 – £3,000

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

Personal Loans

£1,050 – £3,000

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 Credit Loans Online Instant Decision

Key Features

  • Until recently, having poor credit often meant you were not eligible to take out a loan.
  • Nowadays you can apply online for a loan, and get an instant decision even with bad credit.
  • You can compare UK direct lenders to get the cheapest loan on the market today.

Bad credit loans online with instant decision are a very popular form of lending service in UK that has taken off recently. The sheer convenience it offers because it’s done online is incredible, and it also helps so many people who are in dire financial straits to get their lives back on track. It’s no secret that having a bad credit score opens you up to a whole world of discrimination by the banks and credit unions. It’s also well-known that they couldn’t care less if you were injured and had to rack up an unpayable debt just to survive and now have a bad credit score as a result; they only care about the bad score. It’s this callous attitude from the financial institutions which have paved the way for bad credit lenders to open their doors for good people who need financial help the most without credit checks. If you are in a similar situation and the banks won’t help you, then read on the learn more about this type of loan- bad credit loans.

Concerned about being refused finance? Not a problem, as with so many people across the UK, a bad credit score doesn’t have to hold you back. We can help anyone to find the agreement and term that they are looking for regardless of their individual situation or what their circumstances are, just check out our bad credit personal loans guaranteed approval no credit check to get the answer your looking for.

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

What Are Bad Credit Loans Online Instant Decision?

This is a type of loan which is applied for online, and it’s for people who have bad credit. The decision is made after your application is made, so you will know straight away if you have been approved. The bar is set very low for this, and the only way that you could really not be approved is because your job doesn’t provide you with a sufficient amount of income to pay for the instalment. The whole process has been streamlined to be as quick and simple as possible, and it’s all done online for your convenience. It can be offered for small amounts on a short term plan or a much larger scale and be used as a long term loan, either way, we are able to get the finance that suits you and your needs.

When Could This Type of Loan Benefit Me?

If you need access to funds in an instant to pay an overdue bill or perhaps cover an unexpected expense, then this type of loan offer maybe your best help and option. You know that the banks don’t want to know you if you have bad credit and they don’t care if you can afford the repayments. This is why you need to act now and the turnaround time for this loan is incredibly quick too. There are so many personal unforeseen events that can happen and result in you needing to come up with some money fast. It could be as simple as something in your home breaking and requiring an urgent repair or the beloved family pet getting into an accident and needing immediate medical treatment. If you don’t have the funds to cover something like this then how are you going to obtain the money?

Should I Look Into Getting One?

The bank is not a good option, and you likely may not be in a situation where family or friends can offer you help. This doesn’t leave you with many options at all, but thankfully there are bad credit lenders. These lenders are a by-product of the bank’s discriminatory attitude and the loans they issue enable people to get access to the funds that they need fast. It’s a well-known fact that most financial problems don’t just disappear, so you need to act in an instant before your problem gets bigger and worse than it already is. Don’t risk making your life more difficult a few years down the track because you didn’t tackle the issue now when it could have been resolved.

Don’t wait! Get an instant decision now
Compare instant decision online Lenders

More Instant Decision Online Bad Credit Loan FAQs

If I apply for a loan today, will I get my cash real quick?

In most cases, yes! Nowadays, many loan providers pride themselves in being able to provide their clients with the cash they need within 15 minutes to an hour or two at the most. This will of course vary according to the amount of money you would like to borrow and individual circumstances. Either way, the online decisions will be immediate.

How can I ensure that my application approved in an instant?

Although each lender will have different criteria that must be met in order for a loan to be approved, you will need to do your part by ensuring that all of the information including personal you provide is 100% true and accurate – especially regarding your current income and expenses.

What costs are involved when applying?

Absolutely none! At no time will you be asked to pay any type of upfront fees or expenses when you apply for poor credit loans from registered and accredited lending institutions. The only additional cost that will be added to your loan amount will be the interest you’ll need to pay with each instalment.

Is it possible to offer students to borrow money?

Yes! These days, there are many lenders that will be willing to assist students by providing them with loans. The student will need to have some form of income in order to repay their loan though. Requirements will be discussed at the time of applying.

Can I obtain credit for instant payday loans?

Although the term “Instant decision payday loans” is often used, this doesn’t always mean that you will be approved for a payday loan and have the funds in your account instantly. However, many lenders are now able to pay out the funds for these loans- payday within 15 minutes to an hour or two – so you will at least have access to them on the same day that you apply.