BAD CREDIT LOANS - LOANS FOR PEOPLE WITH BAD CREDIT

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Bad credit loans are designed for people who have had issues with poor credit, have suffered CCJs or been blacklisted. These loans - often referred to as 'loans for bad credit'- are offered by brokers who specialise in loans for people with bad credit and can check hundreds of lenders on your behalf.

Whether you're looking for a secured or unsecured loan, you will usually be considered on these specialist loans. This is because your bad credit loans broker will know which lenders are sympathetic to those applicants who have had credit problems.

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All Bad Credit Loans    Bad Credit Lenders    Bad Credit Brokers

Make sure you compare all bad credit loans, as the representative APR rate may vary and you may be offered a much better deal if you look beyond the first loans offer. Also note that if you have had problems with repayments in the past, you may find it difficult to keep up now - and end up in a trickier situation than before. Below is a list of providers for companies specialising in 'Loans for Bad Credit'.

Click here to learn more about Bad Credit Loans and other loan types

Payday Loans

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PROVIDER TYPE REPRESENTATIVE
APR 
MINIMUM
TERM
MAXIMUM
TERM
MINIMUM
ADVANCE 
MAXIMUM
ADVANCE 
SECURED HOME LOAN SUITABLE
FOR
APPLY
Wentworth Direct Finance Loan
: Wentworth Direct Finance Loan
Broker22%
Example

Representative Example

Borrow £3000 and pay £114.57 per month for 36 months. The total charge for credit is £1124.52. The total repayable is £4124.52. Address: Wentworth Direct Finance, FREEPOST SEA9712, Gravesend, Kent, DA13 0BR, UK.

12 Months60 Months£1,000.00£15,000.00NoView

Suitable For

All borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs.

: Wentworth Direct Finance Loan
Wentworth Direct offer a no-frills service bad credit loans service. If you've been refused credit elsewhere, are a problem case, have been blacklisted, or have judgements or defaults against your name, you are still eligible for some loans. Borrow from £1,000 to £15,000 and fill out the online no-obligation application form. Type in the amount you want to borrow, the length of time you would like to repay the loan, and your current employment details (are you currently working, monthly income after tax etc).
DETAIL INFORMATION >>
The Finance Facility
: The Finance Facility
Broker19.6%
Example

Representative Example

Total Amount of Credit: £5000; Representative APR: 19.6%; Duration of Agreement: 60 months; Total Charge of Credit: £2881.60; Total Amount Payable: £7881.60 Address: The Finance Facility, Netherley Road, Prescot, Merseyside, L35 1RG

12 Months60 Months£1,000.00£15,000.00NoView

Suitable For

All borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs.

: The Finance Facility
Apply online and you could receive a loan of between £1000 and £15000 for lots of different purposes. The Finance Facility has a primary objective, which is to provide you with a service that is second to none. They search all the bad credit loans on their database to find the best one suited to your needs.
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Cash for Winter
: Cash for Winter
Broker6.9%
Example

Representative Example

6.9% (Representative APR) for loans between £7,000 and £15,000. For example, if you took a loan for £10,000 with a Representative APR of 6.9% fixed and an annual interest rate of 6.9% you would pay £196.56 per month with a total charge for the credit of £1,793.43 making the total amount you repay of £11,793.43

12 Months60 Months£750.00£25,000.00YesView

Suitable For

Those that have been refused by high street lenders and those suffering with credit difficulties such as CCJs, defaults or mortgage arrears.

: Cash for Winter
Cash for winter can offer you loans of up to £25000. This is a fast and efficient loan service for those in need of a cash solution. Don't go with out over the holiday season, get cash for winter.
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Payday Easy Loans
: Payday Easy Loans
Broker1286.2%
Example

Representative Example

Total Amount of Credit: £160; Representative APR: 1286%; Duration of Agreement: 31 days; Total Charge of Credit: £25; Total Amount Payable: £185

1 week1 month£100.00£1,000.00NoView

Suitable For

Suitable for those in need of a payday loan.

: Payday Easy Loans
Apply online for a Payday Easy Loan and you could receive up to £1000 in your bank account today. The application is simple and the monety can be in your account in no time. There are no awkward questions just simple qualification criteria.
DETAIL INFORMATION >>
Save Simply
: Save Simply
Broker6.9%
Example

Representative Example

if you took a loan for £10,000 with a Representative APR of 6.9% fixed and an annual interest rate of 6.9% you would pay £196.56 per month with a total charge for the credit of £1,793.43 making the total amount you repay of £11,793.43

12 Months25 years£5,000.00£25,000.00NoView

Suitable For

All types of borrowers - even those with bad credit history, CCJs, arrears, self employed.

: Save Simply
Save Simply can offer loans of up to £25,000 and all applications are accepted; whether you have good credit or are looking for loans for people with bad credit. Whether you're employed, retired, unemployed or self employed, Save Simply can find you a loan.
DETAIL INFORMATION >>
Loan Port
: Loan Port
Broker53.9%
Example

Representative Example

53.9% APR

1 month120 months£100.00£50,000.00NoView

Suitable For

For all borrowers, including those with very bad credits and self emplyoyed

: Loan Port
In just one simple application form, in a matter of seconds loan port searches 276 credit lenders. That's more than any other loan broker in the UK can do, all meaning more choice for you the customer. Even with a very bad credit a loan still can be found – and you save time and money by not having to look around yourself. Loan Port will find a choice of loan products, which suit you situation best without any obligation, without paperwork and without waiting times. You then select the product you like best. Loan Port is an independent company – it will find the best loan for you and not for the lender!
DETAIL INFORMATION >>
moneybarn
: moneybarn
Lender30.2%
Example

Representative Example

For a loan of £5500, Sarah paid £227.79 for 36 months

24 months48 months£5,000.00£25,000.00NoView

Suitable For

Those with bad credit looking for a car loan

: moneybarn
Talk to moneybarn - credit you can trust. We're different to other lenders because we take into account much more than just your credit score when offering car finance. Even if you've been declined before, we can often help – use our quick car finance calculator to see what kind of deal you could get with moneybarn.
DETAIL INFORMATION >>
Provident Personal Credit
: Provident Personal Credit
Lender272.2%
Example

Representative Example

Total Amount of Credit: £300; Representative APR: 272.2%; Duration of Agreement: 52 weeks; Total Charge of Credit: £246; Total Amount Payable: £546; 52 weekly payments of £10.50; Rate of interest 80.2% p.a. fixed; The information underlined is variable depending on the loan amount, product & term offered. Address:1 Godwin Street, Bradford, BD1 2SU NB

23 Weeks52 Weeks£50.00£500.00NoView

Suitable For

Those with poor credit who want a quick cash loan

: Provident Personal Credit
£50 to £500 bad credit loans could be delivered to your door within days. Applications are considered even if you are unemployed, have a poor credit history or have been turned down for credit before.
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The Loan Locator
: The Loan Locator
Broker52.9%
Example

Representative Example

Representative Example: At 53.9% APR fixed, £3,000 borrowed over 36 months payments would be approximately £151.19 per month. The total amount to be repaid would be £5,442.84

1 month60 months£1,000.00£25,000.00NoView

Suitable For

Emeregency cash needs for those with poor credit

: The Loan Locator
The Loan Locator specialise in searching for a loan that is suited to your needs and requirements. They can locate loans from £50 to £25,000 for any purpose and for you to spend in any way you like. You simply apply online and you could be approved for an unsecured loan in as little as 48 hours.
DETAIL INFORMATION >>
Merlin Money
: Merlin Money
Broker53.9%
Example

Representative Example

Address: 35/37 Station Road, Port Talbot, West Glamorgan, SA13 1NN

1 Month25 Years£100.00£50,000.00NoView

Suitable For

People who have been refused credit elsewhere

: Merlin Money
If you have been refused credit elsewhere then apply online and Merlin Money will put some magic in your finances. No matter what your credit history you can apply online and you do not have credit checks to worry about. You could receive cash in your account the same day.
DETAIL INFORMATION >>
CUS4 Loans
: CUS4 Loans
BrokerN/A
Example

Representative Example

Not available

12 Months60 Months£200.00£15,000.00NoView

Suitable For

All types of borrowers - even those with bad credit history, CCJs, arrears, self employed

: CUS4 Loans
Whatever you need the money for, Cus4Loans can find you loans of between £200 to £15,000. No matter if you have been turned down elsewhere - Cus4Loans can find lenders willing to take on even self employed applicants, as well as those with poor credit. They specialise in loans for bad credit.
DETAIL INFORMATION >>
CreditNoble
: CreditNoble
Broker278%
Example

Representative Example

Representative APR 278% (variable) Representative Example: Borrow £500 over 12 months. Fixed Interest rate – 140%. Total amount repayable - £949.01. Interest - £449.01

1 month12 months£50.00£2,500.00NoView

Suitable For

Those seeking:
 
1. GUARANTOR FREE: NOT REQUIRED FOR FUNDING
2. UNSECURED LOANS FUNDED IMMEDIATELY
3. LESS THAN PERFECT CREDIT FUNDING AVAILABLE
4. DISABILITY LOANS WELCOME- (DSS)- No paperwork hassles
5. STUDENTS- APPLY and Get funds sorted for the start of the term
6. TENANT LOANS

: CreditNoble
At Creditnoble we understand your dilemma, our lending panel of 185 companies and the Creditnoble Score Crew are able to help! Applying for multiple loans where you do not meet the necessary requirements, will mean your application is declined leaving a footprint on your Creditnoble report and consequently damaging your Credit rating. Therefore at Creditnoble , we will match you with a lender that will provide you with a personal loan at a competitive rate over the time period you want!
DETAIL INFORMATION >>
Loan Options
: Loan Options
Broker53.4%
Example

Representative Example

Not available

Depends on lenderDepends on lender£100.00£100,000.00NoView

Suitable For

For those with less than perfect credit histories

: Loan Options
LoanOptions is a one-stop solution to anyone who is looking for or thinking about applying for a loan. As a registered member you get an instant detailed credit review including applicable lenders based on your circumstances. At your request your application can be sent directly to the most appropriate lenders for your circumstances. Some of our lenders will give you an immediate decision and others may take some time to think about it. Our lenders will give you estimates of interest rates where possible and you are always in control of where your details are sent.
DETAIL INFORMATION >>
GoCheapLoans
: GoCheapLoans
BrokerN/A
Example

Representative Example

Varies

3 months120 months£100.00£50,000.00NoView

Suitable For

1. Unsecured
2. Payday
3. Specialist
4. Credit Union
5. Guarantor

: GoCheapLoans
At GoCheapLoans.co.uk we pride ourselves on being able to help customers in all kinds of situations to get the loan that they need. Our users needn't be put off by poor their credit ratings as we can find loan companies willing to help in most situations. Your application is handled completely online from filling in our simple form to receiving your money, making everything as easy as possible. Once you have told us all the required information our software gets to work searching hundreds of lenders to find you the best loans for you, separated by loan type. You can log back in to your account at any time to review your loan options and apply for as many as you need to. And if you don't like any of them, click the link below the apply button and we'll find you another.
DETAIL INFORMATION >>
Kensington Direct Loans
: Kensington Direct Loans
Broker53.9%
Example

Representative Example

At 53.9 % APR fixed, £3000 borrowed over 36 months payments would be approx £151.19 per month. The total amount to be repaid would be £5442.84.

1 Month24 Months£100.00£5,000.00NoView

Suitable For

Those who have been refused credit elsewhere

: Kensington Direct Loans
Kensington Direct specialise in loans for people with bad credit! Apply online and you could receive up to £5000 in your bank account today. Receive approval online in just seconds. Lenders accept problem cases and people who have been refused credit elsewhere.
DETAIL INFORMATION >>
First Choice Capital Resources
: First Choice Capital Resources
Broker53.9%
Example

Representative Example

At 53.9 % APR fixed, £3000 borrowed over 36 months payments would be approx £151.19 per month. The total amount to be repaid would be £5442.84.

1 monthUp to 24 months£100.00£2,500.00NoView

Suitable For

All types of borrowers - even those with bad credit history, and CCJs

: First Choice Capital Resources
First Choice Capital Resources specialise in providing unsecured loans to people who have been refused credit elsewhere. You can apply online in a few minutes and receive an unsecured loan with payment terms of up to 24 months. First Choice Capital Resources is a free service and aim to match the right products and services to suit your needs and present them to you on a continuing basis.
DETAIL INFORMATION >>
Regent Finance
: Regent Finance
BrokerN/A
Example

Representative Example

Not available

1 Months25 Years£500.00£25,000.00NoView

Suitable For

If you have bad credit and need a loan

: Regent Finance
Apply online now and get the lowest loan rates and exclusive deals. Apply online in minutes and receive a free no obligation quote. If you have less than perfect credit then it can be hard to get a loan, find out through Regent Finance what options are available to you.
DETAIL INFORMATION >>
FlexCredit
: FlexCredit
Lender278%
Example

Representative Example

A loan of £500 repaid over 12 months: Monthly repayment - £70.09; Amount payable - £949.01; Total interest - £449.01; Interest rate -140%

1 Month12 Months£400.00£2,000.00NoView

Suitable For

Borrowers looking for longer term loans unable to use high street lenders. May be available to variable credit histories.

: FlexCredit
Borrow £2000 and repay over 12 months. Apply for long term loans via the fast and easy to use Flex Credit site. Loans of up to £2000 available which can repaid in instalments over a 12 month period. Loans for people a range of credit ratings may be available and Flex Credit provides a range of alternative borrowing options to suit most credit ratings.
DETAIL INFORMATION >>

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