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.

Poor Credit Loans UK Direct Lenders

Poor credit loans in the UK through direct lenders can be very beneficial for you if you don’t have a good credit score and need financial assistance. There are a lot of situations which could arise and result in you needing to pay for something such as emergency repairs or medical bills. If you don’t have the money saved up or it’s accessible in a line of credit, then coming up with the funds could be quite a challenging task. If you don’t know this already; the banks won’t lend to you if you have a bad credit score. This means that even if you had to get into debt to save your life or someone else’s life and got a bad credit score, they still won’t lend to you. The circumstances don’t matter to them and even if you had a great job and were more than capable of making loan repayments they still won’t lend to you based on this score. It’s an incredibly backwards and out of touch approach that the banks take and you don’t need to deal with that attitude. What you can do, though, is get a loan through a different direct lender who won’t put you through all the bureaucratic red tape and just lend based on income and ability to repay.

What Are Poor Credit Loans UK Direct Lenders?
This is a form of a loan for people in the UK who have a poor credit score. They are also issued through a direct lender, who is a company or individual who has the money for your loan and doesn’t source it from anywhere else. A non-direct lender is essentially a middle-man and obtains the cash for you loan either through an organization they are affiliated with or selling your loan on the secondary market.

Why Are Direct Lenders Better?
It’s good to be dealing with the source of your money rather than someone who doesn’t really have it. If you get a loan off a non-direct lender, then the overall cost of your loan could be much higher because the other party involved is going to need to make a profit. This can drive up your interest rate and you wouldn’t even know that there’s another party involved. You could also be assured that nothing shady is going on too and it’s just a straight deal between you and your lender. Some companies even have sister companies who act independently to compete with smaller lenders and offer cheaper rates to drive them out of competition, even though the money is still coming from the parent company.

Should I Apply?
Now that you know all about direct lenders, you need to make an important financial decision. Your bills aren’t going to pay themselves and you don’t want to acquire any debt, so you need to act fast. If you have bills to pay but don’t have the cash, then getting a loan could be your best option. And since the banks don’t care about you, it may be good to go through a bad credit lender since they actually understand your situation and won’t be biased against you.

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.