Specialist UK Lenders for Bad Credit

Browse all our panel of lenders and their bad credit loans 🔎


Representative 49.9% APR

Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.


Which is the best bad credit lender?

  • Depends on your personal circumstances
  • Different lenders have different criteria
  • Depends on loan size & term
  • Your best lender will be based on this

Let us do the hard work and find you a lender

  • Fill out our quick 2-minute online form where a lender who has pre-approved your application based on your circumstances will be found for you.
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Our Lender Panel


See our current panel of specialist poor credit lenders. The most suitable one for you will depend on the amount you wish to borrow and your personal circumstances (income, expences, credit rating etc).

For us to find you a potentially suitable lender please fill out our easy online application form.


118 Money

Personal Loans

Borrow: £1,000 to £5,000
Repay over: 12 to 36 months

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4.8/5 from 28,892 reviews on Trustpilot

Representative 49.9% APR

Representative example: Amount of credit £2,000 for 24 months. Interest rate: 41.2% pa (fixed). 24 scheduled monthly payments of £123.64. Total amount payable: £2,967.43.

1 Plus 1

Guarantor Loans

Borrow: £1,000 to £10,000
Repay over: 12 to 60 months

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4.5/5 from 213 reviews on Trustpilot

Representative 47.8% APR

Representative Example: You borrow £1000, Monthly payment: £102.75, Interest and fees: £233.00, Total to repay: £1233.00 47.8% APR (fixed)*

Auden

Instalment Loans

Borrow: £200 to £1,000
Repay over: 3 to 12 months

No Reviews

Representative 235.83% APR

Representative example: If you borrow £550 over 6 months at a representative APR of 235.83% and a variable annual interest rate of 127.75%, you’d pay five monthly instalments of £130.25 and your sixth and final payment would be £130.23. The total charge for the credit would be £231.48 so you’d pay back £781.48.

Bamboo

Personal Loans

Borrow: £1,000 to £5,000
Repay over: 12 to 60 months

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4.9/5 from 27,445 reviews on Trustpilot

Representative 59.7% APR

Representative example: On an assumed loan amount of £3,000.00 over 30 months. Rate of interest 47.73% per annum (fixed). Total amount payable £5,190.50 of which £2,190.50 is interest. 29 monthly repayments of £173.02 and a final payment of £172.92

Cash Float

Instalment Loans

Borrow: £300 to £2,500
Repay over: 3 to 6 months

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4.5/5 from 176 reviews on Trustpilot

Representative 611.74% APR

Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%.

Credit Spring

Credit Builder

Borrow: £300 to £1,000
Repay over: 6 months

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4.7/5 from 2,325 reviews on Trustpilot

Representative 43.1% APR

Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Total amount payable £1,120.

Creditstar

Short Term Loans

Borrow: £500 to £5,000
Repay over: 6 to 18 months

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3.0/5 from 9 reviews on Trustpilot

Representative 100.96% APR

Representative example: Amount of credit £900 over 12 months. Interest £398.81. Interest rate 73% pa (fixed), 0.2% per day of the amount borrowed. Repay with 12 equal instalments of £108.23. Total amount payable 1298.81.

Dot Dot Loans

Instalment Loans

Borrow: £100 to £1,000
Repay over: 3 to 9 months

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4.6/5 from 2,149 reviews on Trustpilot

Representative 1228.67% APR

Borrow £250 over 3 months with a monthly repayment of £133.65 Total amount payable is £400.95. Interest rate 284.76% p.a. (fixed).

Drafty

Line of Credit

Borrow: £50 to £3,000
Repay over: revolving line of credit

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4.3/5 from 9,974 reviews on Trustpilot

Representative 89.7% APR

Representative example: If you draw £100 against your line of credit at 89.7% APR and were to pay only the minimum due, it would be paid off in 3 months for a total of £109. There are no additional fees. Annual Interest Rate: 65.7% (0.18% per day).

Everyday Loans

Personal Loans

Borrow: £1,000 to £15,000
Repay over: 18 to 60 months

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4.5/5 from 5,198 reviews on Trustpilot

Representative 99.9% APR

Representative example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706.

Fernovo

Instalment Loans

Borrow: £200 to £1,000
Repay over: 2 to 6 months

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4.6/5 from 2,374 reviews on Trustpilot

Representative 1244.0% APR

Representative Example: Total amount of credit: £300. Duration of the agreement: 90 days. Interest: £150.57. Instalment one: £150.19. Instalment two: £150.19. Instalment three: £150.19. Total amount payable = £450.57.

Fintern

Personal Loans

Borrow: £1,000 to £10,000
Repay over: 6 to 36 months

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4.6/5 from 262 reviews on Trustpilot

Representative 89.7% APR

Representative example: £2,000 loan repayable over 36 months. 36 monthly payments of £71.66. Rate of interest 18.8% p.a. (variable). Representative 18.8% APR (variable). Total amount repayable £2,579.56.

Fund Ourselves

Instalment Loans

Borrow: £100 to £1,500
Repay over: 4 to 6 months

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4/5 from 1,856 reviews on Trustpilot

Representative 504.7% APR

Representative example: Borrow £200 for 122 days. Interest rate 211% p.a. (fixed). Total repayable£286.82. Four repayments of £71.71 each.

Guarantor My Loan

Guarantor Loans

Borrow: £2,000 to £10,000
Repay over: 12 to 60 months

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4.9/5 from 557 reviews on Trustpilot

Representative 48.9% APR

Representative Example: £4,000 over 36 months. Monthly payment £193.56. The interest is 17% per annum fixed and service fee is 23.48% per annum fixed. Interest payable £1,246.63 and service fee payable £1,721.53. Total repayable £6,968.16.

Lending Stream

Instalment Loans

Borrow: £50 to £1,500
Repay over: 3 to 6 months

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4.6/5 from 16,953 reviews on Trustpilot

Representative 1,333% APR

Representative example: If you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total.

Loans 2 Go

Short Term Loans

Borrow: £250 to £2,000
Repay over: 18 to 24 months

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4.5/5 from 4,142 reviews on feefo

Representative 770% APR

Representative Example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total.

Mal

Short Term Loans

Borrow: £1,000 to £5,000
Repay over: 9 to 24 months

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4/8 from 323 reviews on Trustpilot

Representative 504.7% APR

Representative example: on an assumed loan amount of £2200 over a 24-month repayment period. Rate of interest 21.4% per annum (fixed). Total amount payable is £3141.60 of which £941.60 is interest, 24 monthly repayments of £130.90.

Money Boat

Instalment Loans

Borrow: £200 to £1,500
Repay over: 2 to 6 months

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4.8/5 from 6,971 reviews on Trustpilot

Representative 939.5% APR

Representative example: Borrow £400 for 4 months, four monthly repayments of £149.37. Total repayment £597.48, interest rate p.a. (fixed) 255.5%.

Morses Club

Doorstep Loans

Borrow: £300 to £1,000
Repay over: 39 to 52 weeks

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4.2/5 from 2,942 reviews on Trustpilot

Representative 498.78% APR

Representative Example: £400 loan repayable over 39 weeks at £18.96 per week, Rate of interest 113.46% p.a fixed; Total amount payable is £739.44.

Mr Lender

Instalment Loans

Borrow: £200 to £1,000
Repay over: 3 to 6 months

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4.8/5 from 9,309 reviews on Trustpilot

Representative 1,256.4% APR

Representative example: Borrow £300 for 6 months, repay with 6 payments. Payment 1: £122.00. Payment 2: £110.00. Payment 3: £98.00. Payment 4: £86.00. Payment 5: £74.00. Payment 5: £62.00. Rate of interest 0.8% per day on outstanding capital. Total repayable £552 (based on 30-day periods). Interest rate 292% per annum (fixed).

My Finance Club

Payday Loans

Borrow: £100 to £400
Repay over: 7 to 38 days

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4.6.5 from 300 reviews on Trustpilot

Representative 1,299% APR

Representative example: Loan amount £100 repayable over 30 days. Total amount repayable £124 by one installment of £124. Interest 0.8% per day, 292.00% p.a. fixed.

One Stop Money Shop

Instalment Loans

Borrow: £400 to £1,000
Repay over: 6 to 12 months

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4.4/5 from 60 reviews on Trustpilot

Representative 295.60% APR

Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00.

Salad Money

Short Term Loans

Borrow: £500 to £1,000
Repay over: 12 to 18 months

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4.9/5 from 2,465 reviews on Trustpilot

Representative 69.9% APR

Representative example: Loan repayable over 18 Months: £1000.00. 17 Months at £83.36. Final payment: £77.06. Rate of interest: 54.19%. Total amount repayable: £1494.18.

Savvy

Instalment Loans

Borrow: £300 to £1,200
Repay over: 6 to 12 months

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4.8/5 from 267 reviews on feefo

Representative 1291.1% APR

Representative example: Borrow £400 – 6 monthly repayments of £133.33. Total cost of credit £399.98 which is £399.98 interest at 291.50% pa fixed. Total amount repayable £799.98.

Tappily

Line of Credit

Borrow: £250 to £2,500
Repay over: revolving line of credit

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4.8/5 from 4,136 reviews on Trustpilot

Representative 49.7% APR

Representative Example: Amount of credit: £900. Interest rate: 0.34% per day for up to 75 days (25.5% (variable) per annum). Representative 49.7% APR (variable). For example, if you borrow £150 for four days, the interest per day would be £0.51 and the total interest would be £2.04 representing four days at £0.51 per day.

Tick Tock Loans

Instalment Loans

Borrow: £300 to £1,000
Repay over: 3 to 6 months

No Reviews

Representative 1297.93% APR

Representative example: Borrow £300 and pay £151.44 per month for 3 months at a fixed interest rate of 0.8% per day (292% per year). The total charge for credit is £154.32 (all interest). The Total Repayable is £454.32.

TM Advances

Personal Loans

Borrow: £1,500 to £5,000
Repay over: 30 to 50 months

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2.7/5 from 3 reviews on Trustpilot

Representative 180.8% APR

Representative example: Amount of credit £2,000.00. Pay 35 monthly repayments of £189.00. Total amount payable £6615.00. Annual interest 79.2% fixed. Representative apr 180.8%..

More Questions

A. Yes, there are many lenders, which for various reasons are no longer on our panel, these include:

Yes 👍

  • All lenders are fully authorised and regulated by the Financial Service Authority (FCA) in the UK.
  • All lenders have been in business for many years with numerous good customer reviews.

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