Borrow £100 to £25,000*

by

  • 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

Take Your Search for Bad Credit Loans Online

Key Features

  • Online lending is the most popular loan approach in the UK.
  • Direct lenders are more willing to lend to those with bad credit than even just a few years ago.
  • Fast, same day cash depending on the loan amount is one of the key benefits.

Have you been going from one financial institution to another looking for loans with no luck yet? Your problem may not be your credit, even if it is poor. The problem could lie in the direction you are looking.

Banks are going to turn down your applications request, if your credit is poor. They won’t look at the rest of your financial situation if they think your credit is a risk to them. You will always do better looking for loans in that situation at lenders that advertise as being bad credit lenders or those that don’t bother with credit checks before they approve you for a loan. You still have to go through an approval process with them, but your credit isn’t factored in.


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



Is Poor Credit Still an Obstacle?

The bad credit lending industry, or fast cash loans, is a business that has mostly moved online over the last few years. There are now far more of these lenders operating online than at physical locations. Doing business online is easy and simple for them, as it streamlines the process and saves them money. They don’t have to advertise from their physical locations or hire staff to run a physical storefront in the uk. Instead, they can operate from an office somewhere and do their banking and lending electronically. The entire process can be done online, though some of them will want to talk to you over the phone before they provide bad credit loans online to you.

Doing business with them online is more convenient for you as well. You can be approved faster and you never have to leave the comfort of your home or office as you apply for the loan. You don’t have to take time out of your day to go to their office and sign papers. You can also receive the money faster, directly through your bank account, after the loan is approved. It can take a day or two for that money to transfer, but it’s so much faster than doing lending business through a bank. Plus, you have the extra benefit of easier approval.


Finding Bad Credit Lenders Online

There is a wealth of bad credit loans online. You don’t have to search very far to find loans that are being offered to people whose credit is not very good and who have been turned down by other lending situations. If you have had trouble getting the money you need elsewhere, then it is time to look online. You might be surprised at how easy it is to get the money you want quickly.

Just make sure to take time to read the fine print and understand the terms of the loan. Before you sign anything, you need to know exactly what you are getting into and how much you will end up paying. Be sure to read about the fees associated with paying late, for paying off the loan too soon and for various services the lender provides. You’ll want to factor all those fees in, along with the interest rate, as you compare the various lenders and find the best option for you.


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More Bad Credit Online Loan FAQs


Can I get physical cash instead?

Most online lenders prefer to deposit funds directly into your bank account. However, there may be a few who will be willing to deliver physical cash to your home or place of work. This policy will differ between lenders and you will need to enquire about it before accepting an offer from any of them.

What can I use my loan funds for?

After receiving the funds in your account, you can use them for any legal purpose you like. Many people use them to stock their pantry in the middle of the month, pay for school trips, quick weekend getaways or even emergency home and car repairs.

Why was my application declined?

Some reasons for having your loan application declined can be that you didn’t provide sufficient information with regards to current employment, income and expenses or that you requested too large of a loan to be able to comfortably repay the installments.

If my application was declined, can I reapply?

You most definitely can reapply if your application has been declined. However, you will need to find out why your application was declined before reapplying. This will help improve your chances of being approved when reapplying.

Can I apply if I have no credit history yet?

Absolutely! There are now several lenders who are willing to assist individuals with online loans if they haven’t been able to build any form of credit history yet. However, this policy could differ between lenders and they will inform you at the time of applying if they will be able to assist you or not.