Representative 49.9% APR (variable). Representative Example: If you borrow £1,000 over 12 months at a Representative rate of 49.9% APR (variable) and an annual interest rate of 49.9% (variable), you would pay 12 monthly instalments of £103.06. The total charge for credit will be £236.72 and the total amount payable will be £1,236.72.

Rates from 45.3% APR to 1575% APR - we provide a no obligation quote; your APR will be based on your personal circumstances. You can choose a repayment period from 3-60 months when completing your application.

Your journey to getting accepted

Choose a loan

Choose the amount you would like to borrow. Between £100 and £10,000.

A quick and easy form

Fill out our simple form. It takes about 2 minutes and is 100% safe.

Quick payout

Once approved, cash can be credited to your account in just 15 minutes.

Loans for bad credit

Am I eligible for a loan with bad credit?

Yes, you can still get a loan if you have a bad credit history.

We work with a many FCA authorized bad credit lenders who specialize in helping people with a poor credit rating.

Bad credit loans are a specialist product and therefore usually come with a higher APR. This is because people who have a poor credit history are seen as a higher risk to lenders as they may have defaulted on a regular payment in the past.

A Loan for bad credit may help you improve your rating if you keep up with repayments and pay off the loan on time.

Types of bad credit loan

Unsecured personal loans Unsecured personal loans are an agreement between you and the lender. So there’s no need to offer any security to back the loan up (such as your home or a guarantor). However, the APR will be considerably higher than normal as the lender is taking on extra risk.

Payday Loans Payday Loans are short-term high-cost loans that are often borrowed over a short period of time, and usually repaid on your next pay date. Payday loans are normally a bad credit product offered to people who may not be eligible for a short-term loan or overdraft facility with their bank.

Guarantor Loans Guarantor loans are a bad credit product that is offered only with a guarantor to back up your application, this means they agree to pay the loan if you are unable to. Because the lender has this extra layer of security it generally means that they can offer a bad credit loan at a cheaper rate than a payday or other short term lender.

5 steps to get a bad credit loan

Using the sliders above pick your loan amount and term Fill out our 2-minute application form. We will search lenders that will accept you based on the information you have submitted to us. Complete final checks with your chosen lender If approved you can receive the funds in as quickly as 15 minutes

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk