Instant Decision Bad Credit Loans

  • Free and no obligation quote
  • No impact on your credit score*
  • Loans for all credit types

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

Choose loan amount
Representative 341.4% APR
Representative example: If you borrow £1,000 over 12 months at a Representative rate 341.4% APR and an annual interest at 152.33% (fixed), you would pay 12 monthly instalments of £166.66. The total charge for credit would be £999.92 and the total amount repayable would be £1,999.92.

Quick Form

Fill in our 2-minute quote form

Instant Quote

Get your quote in seconds

Cash In Minutes

Cash in your account in minutes˅

Am I eligible for a loan?

If you are employed, a UK resident, over 18, and have a proper address, you should be eligible, although this will depend on the lenders as each will have different criteria for acceptance.

I have a bad credit rating; can I still apply?

Yes, you can, many of the lender's we work with consider poor credit ratings. Check our bad credit payday loans page for more details on this type of loan.

How much can I borrow?

Typically, you can borrow up to £25,000. The final decision on the amount you can borrow is down to the lender.

How fast is the application process?

Typically, you could have a decision on your loan on the same day. The length it takes to aprove and fund loans depends on each lender, and also how fast your bank can process payments. Some of our lenders may be able to process and fund your loan within 15 minutes.

Will I need to sign anything?

We don’t need you to sign anything. The actual lender may require you to sign a loan agreement, this will depend on the lenders requirements.

I am self employed, can I apply?

Yes, you can, but you may need to provide additional documentation to prove your income.

What should I do if I have any more questions?

You can email us at and we will do our best to answer your query within 24 hours.

What is required on application?

All we need from you is your personal details, and information about your bank account.

Badcreditsite will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan.
Cookie Use
Badcreditsite uses cookies to enhance your website experience. Read more