Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit




N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 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 236.1% pa (variable). Representative 481.6% APR.

Guaranteed Loans Across The Uk From Direct Lenders

People who don’t have a good credit rating often live in fear that creditors will check their credit history. Many of the people you do business with will want to look at your credit before they approve you for something or another. Cell phone providers, utility companies, employers, landlords and, of course, lenders will want to check your credit before doing business with you. Once they do check your credit, they will base some of the fees and interest rates they charge you on your credit score.

Your credit score can keep you from receiving opportunities that might otherwise be available to you. You might miss out on credit card offers, loan offers and much more because of your credit score. However, there are lenders that will approve you for loans despite your bad credit. In fact, they may not even perform a check on your credit history.

Bad Credit Lenders There is an entire group of lenders known as cheap bad credit lenders. They go by a few different names, including payday lenders and direct lenders. They offer guaranteed loans with no credit check, which is great for people whose credit is not very good. If that describes your situation, then you may want to look to these lenders for the money you need. They may be able to provide you with loans when no one else will.

You could be wondering what online bad credit lenders base their loan eligibility requirements on if they don’t use credit as a basis. With bad credit lenders, your credit isn’t a determining factor at all. They instead look at what kind of money you make to determine what size of loan to approve you for and whether to approve you for a loan at all. If you don’t make enough money, you won’t be approved for one of their loans. If you make a decent amount, you can be approved for a decent-sized loan in an instant. Anyone offering guaranteed loans with no credit check is presenting an opportunity you might not be able to afford to pass up. They could be your best chance at getting the money you need and getting out of debt or paying for a necessary expense quickly.

Choose Your Loan Carefully You should exercise caution, however, before you agree to any loan. Take time to look at the terms and don’t be swayed by the promises of guaranteed loans, no credit check and easy repayment terms. The interest rate should be of the most concern to you. These are where the lenders will get most of their profits. You need to know that the rates will be higher than they would be for loans that are not aimed toward people with bad credit.

However, they could be your only option or your best option. You may not have many other choices, and those high interest rates could be worth paying if you need the money quickly. Keep in mind that you don’t have to pay very much in interest if you can pay the loan off quickly.

You should definitely do some shopping around before you sign up for any guaranteed loans with no credit check. You have some options, even when your credit is bad and the bank has turned you down for a loan. Compare rates to get the best one and ensure that you are able to repay the loan on time before you sign for it.

Guaranteed loan? What does it mean?

It simply means that the approval of the loan is guaranteed, meaning it sure will be approved. Finding a guaranteed loan would definitely be a dream come true for most people especially those with bad credit. But before you get so excited about it, you must clearly understand the ins and outs of guaranteed loans.

Remember that nobody will give away money just like that, without being sure of getting it back with interest. Lenders may vary in some of their requirements for loan applicants and you will always have to meet those requirements for you qualify for a loan. In general, guaranteed loans actually credit financing that accepts applicants with poor or bad credit or with no credit at all. Examples of these loans are payday loans, quick cash loans, and other bad credit loans offered on the market that are easy to obtain because they are less strict. These loans are typically for small amounts and are paid back in a couple of weeks or a few months. Bad credit personal loans have longer repayment period than payday loans and quick cash loans. They can be repaid up to three years and can be for larger amounts.

How to guarantee that you’ll get a loan approval?

Meeting the basic requirements of the lender is the very first think you need to accomplish. The faster you fulfill the requirements, the faster it will help you get a loan. Some lenders may not require you to accomplish all, but other may be very strict and will ask you to fulfill everything. One thing is for sure, and that is, you can´t get a loan if the lender will doubt your capability to pay it back. The basic requirements that majority of the lenders require include the age of the applicant that has to be at least 18, permanent residency or citizenship, sufficient income, and credit record. If you want to increase your chances of being approved or to guarantee the approval of your loan application, you can get a guarantor or use your property or any asset as collateral. This can help hasten the approval of your loan. Some lenders may not run hard credit checks, but they will do an alternative assessment for your credibility.

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 installments some companies will adjust your monthly installments 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 shouldnt take you longer that 3 minutes its as simple as you can get.

*Subject to lender approval and requirements.