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

Loans Online for Bad Credit Instant Decision

Key Features

  • Getting an instant decision on your loan application is now possible.
  • By applying for your loan online, you can usually find out if you’ve been accepted in minutes.
  • Even those with bad credit can usually find out if they are eligible immediately online.

Getting a loan online for bad credit with an instant decision is a quick process to get cash fast if you’re desperate. With the banks imposing discriminatory practices and technology allowing business to be conducted online, these types of loans are really starting to get popular. It’s no secret that banks have a one-size-fits-all policy when it comes to people with bad credit, and the system is broken. It doesn’t matter how much money you make or how easily you could afford loan repayments, if you got a bad credit score, the banks don’t want to know you regardless. It’s this severely out of touch and biased attitude that has paved the way for online loans for bad credit to be offered and help save people from financial ruin when they were in their darkest hours.


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


What Exactly Are Loans Online for Bad Credit Instant Decision?

These loans are applied for online, and they are for people who have bad credit. The decision on your approval is also made after you apply, so the turnaround time between your application and you getting access to the much-needed funds is very fast. The convenience of it being done online is also great because many people may live far away from a lenders physical location or don’t want to travel. Also, getting a loans instant decision is fantastic because you can know straight away if you have been approved or not.


When Might I Need This Loan?

If you have a bad credit score and need to borrow money, then your options are quite limited. As you already know, the banks couldn’t care less about you, and you’re just wasting your time going through them. Even if they would loan you, the waiting period would far exceed this type of loan. Virtually everyone goes through financial difficulties at some point in their lives, and it’s ok to need a helping hand. You may have to cover a tax bill, pay the handyman who made urgent repairs to your home, settle an invoice for a trip to the hospital without insurance, the list goes on. There are many unexpected situations which could happen and result in you needing cash in an instant as a result.


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


More Instant Decision Bad Credit FAQs


Are instant decision loans for bad credit available?

They definitely are! These days, applying for loans like these is a easy and convenient as filling in a single page application form online. You will need to provide information about your current employment, income and expenses, bank account information and proof of UK-based residence at the time of application. In many cases, you will be able to access funds from these loans within as little as 15 minutes.

Must I pay to apply?

No! At no time should you ever pay an upfront application fee when trying to obtain a loan. Reputable loan providers will not ask you to pay any money upfront to apply for or secure a loan for any amount. If you are asked to pay anything at the time of applying, it’s recommended that you use an alternative lender.

Can I apply with bad credit?

Yes you can. Many different lenders know how challenging it can be to obtain additional cash when it is most needed, especially if you have a bad credit history. As a result, they will be willing to assist you in any way they can.

Who can apply for these loans?

To apply for these loans, you will have to be over the age of 18 and be earning some form of income, regardless of whether it is from being employed or as a consistent benefit payment. You must also be a UK citizen or permanent resident and have a valid UK-based physical address and active bank account. It will also be necessary to provide a valid mobile number at the time of application.

Why must I provide bank details?

These days, the vast majority of lenders will want to deposit your loan funds directly into your bank account instead of paying out physical cash. This is generally for safety and convenience though. If you aren’t keen to provide bank account information, there may still be a few lenders who will be willing to provide you with physical cash. However, you will need to enquire about this at the time of applying.