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

Small, Bad Credit Loans From Direct Lenders

Key Features

  • Not all lenders wish to borrow a large amount of money.
  • In fact, small loans are a hugely popular form of lending for those needing fast cash.
  • You will find even with bad credit, there are high acceptance rates for smaller amounts of money.

Once your loan applications start getting rejected, you may be wondering if there is any way to get the loans you want. The most obvious method would be to bring in a co-signer- someone with better credit or more income than you who the lenders would trust to take responsibility for the loan.

That can be a risky move, however. While it may not pose much risk to you financially, it can hurt the guarantor’s credit and put a dent in their financial situation. That’s not something you want to ask a friend or family member to do if you don’t have to. Bringing in in a guarantor on a loan should really be a last resort but sometimes will end up being the best. Not only does it expose your money troubles to them, but it also puts a strain on your relationship if you are not able to make your scheduled payments for the loan.

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

The thing is, of you are applying for loans that are designed for bad credit lenders to be approved, you don’t need a guarantor, in most cases. You can find no guarantor bad credit loans pretty easily through direct lenders. They may go by the name “payday lenders” or even “fast cash lenders, but they are all considered direct lenders. That simply means they don’t operate through a bank and instead have their own business offering loans directly to the consumer, you.

Finding Lenders that Say Yes!

For small guaranteed loans follow our link Here.

When banks reject your loan applications and traditional lenders won’t give you credit, your credit history may be to blame. If you have bad credit but decent, steady income, then no guarantor bad credit loans are ideal for you. You don’t have to bring in a guarantor and you can pay for the whole loan yourself, on the merits of your income. That may sound simple, and it really is. These lenders are looking for people with bad credit to lend money to. They know that banks will turn them down, so they offer those consumers an alternative. If you are tired of hearing “no”, it may be time to turn to a lending source that is likely to say “yes”.

Direct lenders and their no guarantor bad credit loans are fairly easy to find. You don’t have to look for lenders that are advertising bad credit loans or no guarantor loans explicitly. Just about any direct lender operating as a fast cash or payday lender is going to offer those terms to you. They aren’t likely to check your creditor require a guarantor. The only reason they would want you to have a guarantor on the loan is if your income isn’t up to par for the loan you want.

The solution may be to ask for a smaller loan or search for a lender who will let you get the loan you want without no guarantor on bad credit loans. There are lots of options out there, and you only need to do some searching to find the one that fits your situation best.

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Compare small bad credit direct lenders

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.