Bad Credit Loans
Below we have compared a range of Bad Credit Loans for you. This loan type is much broader than logbook or payday loans because both unsecured and secured loans can fall under the 'bad credit loan' umbrella. That means, the bad credit loan provider will search the market based on your information and will come up with a range of loans.
Bad Credit Loans are ideal for people who have had issues with their credit history but are willing to take on the responsibility of a secured loan. The APR rate on a bad credit loan will be somewhat higher than on a regular loan, but not as high as some other 'poor credit' loan products. Some bad credit loan lenders will offer you the option to rebuild your credit rating – look out for this as it can be a beneficial addition to your borrowing needs. Once you have chosen a provider simply click on 'Apply' to be taken to the next stage.
| COMPANY | APR | LOAN AMOUNT | MIN TERM | MAX TERM | TERMS | SUITABLE | SECURED LOANS | APPLY |
First Choice Capital Resources![]() | 15.2% | £100 - £2,500 | 12 months | Up to 60 months | See website for terms and conditions | People with poor credit rating | No | ![]() |
| First Choice Capital Resources is designed to match the right products and services to suit your needs and present them to you on a continuing basis. It is free to apply and you can borrow between £1,000 - £15,000. Complete your online profile and you will receive access to the product and services First Choice Capital Resources provide. | ServicesServicesBad Credit Broker Advantages Advantages1. Unsecured instalment loans with payment terms up to 60 months
2. Auto Loans
3. Help with existing debt problems
4. Mortgage relief
5. Flexible payments Disadvantages Disadvantages1. Some lenders consider the existence of an active credit and/or debit account as part of their decision making process
2. Unsecured Cash Loan installment offer may take up to 2 weeks to process | |||||||
The Loan Locator![]() | Dependent on lender | £50 - £25,000 | Dependent on lender | Dependent on lender | See website for details | Bad credit loans | No | ![]() |
| The Loan Locator specialise in fast unsecured loans of up to £25,000. It does not matter if you have been refused or declined credit before. You can use your unsecured loan for any purpose and spend your money however you would like. | ServicesServices1. 100% secure
2. No obligation quote Advantages Advantages1. Bad Credit Ok.
2. Does not matter if you have been refused credit elsewhere.
3. CCJ's, defaults, or mortgage arrears.
4. 100% secure transaction
5. No obligation quote. Disadvantages Disadvantages1. Website has limited information.
2. You have to apply to obtain fees and charges. | |||||||
Save Simply![]() | On application | £500 - £25,000 | 12 Months | 25 years | The Partners will contact you with loan information. Please note that such information should not be used as the sole basis for your loan decision, and may not meet your particular needs. | Poor credit borrowers, retired, self employed or unemployed | Yes | ![]() |
| Get free quotes and a loan of between £500 - £25,000 with Save Simply. No matter what you need the loan for, Save Simply accept all applications. Bad credit loans are available to all applicants. | ServicesServicesBad credit loans Advantages AdvantagesPoor credit history is no problem
Top lenders sourced
Borrow up to £25,000
Disadvantages DisadvantagesMust apply to find out APR
APR might be high
Credit status might play a part | |||||||
YES Loans![]() | 48% | £500-£25,000 | Apply online to view | Apply online to view | Depends on loan type - fill in online form and you will be given your choices. | Those that have been refused by high street lenders and those suffering with credit difficulties such as CCJs, defaults or mortgage arrears. | Yes | ![]() |
| Yes Loans accepts well over 95% of individuals who apply for a bad credit loan - regardless of circumstances. Apply now for a fast decision. So if you have a poor credit rating, CCJs or have been blacklisted, you can try Yes Loans. | ServicesServicesBad Credit Loan Broker Advantages Advantages1. Unsecured and secured loans available for any purpose.
2. Adverse and bad credit history accepted.
3. Get a loan evevn if you have had CCJs. Disadvantages Disadvantages1. Typical APR is high at 48% | |||||||
Wentworth Direct Finance Loan![]() | 15.2% | £1000-£15,000 | 12 Months | 60 Months | Note you must be employed or self empoyed to be eligible. Typical 15.2% APR. Wentworth Direct Finance loans are not available to persons under the age of 18. | All borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs. | No | ![]() |
| Wentworth Direct offer a no-frills service providing loans for people with bad credit. 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 a loan. 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). | ServicesServicesBad Credit Loan Broker Advantages Advantages1. Excellent APR rate of 15.6% for a loan available to those with bad credit.
2. You can apply for a loan even if you have bad credit history.
3. Borrow from as little as £1,000 to £15,000. Disadvantages Disadvantages1. Maximum borrowing is £15,000. | |||||||
Loan Finder![]() | 23.1 | £200-£15,000 | On application | On application | All credit provisionally approved is subject to status and is not available to persons under 18.You are under no obligation by completing the application form. | People with poor credit history | Yes | ![]() |
| Loanfinder find unsecured bad credit loans from a wide range of lenders for people who have had problems getting loans from mainstream banks and lending institutions. Loanfinder even provides a free credit report. | ServicesServicesBroker for unsecured loans Advantages AdvantagesWide range of lenders searched
Poor credit past applicants considered
Free credit report
Can borrow as little as £200Disadvantages DisadvantagesTypical APR 23.1% but this is to be expected
Not much information on website - apply to find out more
Borrowers charged one-off fee of between £29 and £68 | |||||||
247 Cashline Payday![]() | 1355% | £100-£1,000 | 31 Days | 31 Days | 18 or over, in full time employment earning £750 per month. Payment should be within 31 days. | Individuals who need cash quickly and can repay within 31 Days. | No | ![]() |
| Cash available for you rapidly - Complete the short application form. Within a few moments 247 will let you know if you have been approved - borrow between £100-£1,000. Please Note - This is a Payday Loan and so must generally be paid within 31 days. | ServicesServicesAdvantages AdvantagesCan apply over weekend and get money by Monday Disadvantages DisadvantagesStrictly a short term loan - generally must be paid back within 31 days | |||||||
Loan Sorters![]() | N/A | £250 - £25,000 | N/A | N/A | Loansorters may require information from individuals who apply for our services. On many occasions, we require sensitive information. | All borrowers even if bad credit, CCJs, defaults, self-employed and tenants. | No | ![]() |
| Loansorters provide bad credit loans alongside personal loans, tenant and homeowner loans. The company is an independent unsecured personal loan broker based online and deal with leading UK lenders. Loans whatever your circumstances including loans for people with bad credit history. | ServicesServicesBad credit loans
Homeowner loans
Tenant loans
Secured and unsecured loans Advantages AdvantagesLots of options
No broker fees Disadvantages DisadvantagesNo APR stated
Not much information | |||||||
Provident Personal Credit![]() | 272.2% | £50-£500+ | 23 Weeks | 52 Weeks | Applicants must be at least 18 years of age and a UK resident. Repayment period 23, 31 or 50 weeks. | Those with poor credit who want a quick cash loan | No | ![]() |
| £50 to £500 cash 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. Example: Loan amount: £300, 52 weekly repayments of £10.50 Total amount payable £546. Typical 272.2% APR | ServicesServicesBad Credit Loan Lender.
Payday Loan Lender. Advantages Advantages1. 23, 31 or 52 weeks to pay back the loan depending on amount borrowed.
2. Payments collected weekly by an agent to help you budget.
Disadvantages Disadvantages1. APR is quite high, but the loan is mean for a short term cash loan - and is better value than similar products. | |||||||
CUS4 Loans![]() | On application | £200 to £15,000 | 12 Months | 60 Months | CUS4 Loans work with several leading Loan Specialists and send your application to one at a time until your loan is approved.
| Tenants, homeowners, self employed or bad credit history borrowers all suitable | No | ![]() |
| Cus4Loans can help you to find a loan provider whatever your circumstances - even if you have been turned down for a loan elsewhere or have credit problems. Both tenants and homeowners are welcome. | ServicesServicesBad credit loans Advantages AdvantagesBorrow from £200 to £15,000
Poor credit history no problem Disadvantages DisadvantagesAPR rate only on application
Some brokers may add additional fees | |||||||
FundMyLoan.co.uk![]() | Dependent on lender | £500 - £25,000 | Dependent on lender | Dependent on lender | See website for terms and conditions | People with bad or no credit | No | ![]() |
| Fundmyloan.co.uk provide you with a free, no obligation quotation to provide you with a loan you can use for any purpose. You can borrow from £500 - £25,000 and apply online by filling out the simple online enquiry form. | ServicesServicesBenefit from the market comparison tools Advantages Advantages1. FREE Quotes
2. Benefit from our market comparison tools
3. Top Lenders
4. Lower Payments
5. 100% Secure and Confidential Disadvantages Disadvantages1. You have to apply to obtain all fees and charges. | |||||||












