Instant Decision Bad Credit Loans

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  • Instant decision
  • Loans for all credit types

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

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Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

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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 £15,000. 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.
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