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

Instant decision loans in as little as 15 minutes^

  • Free and no obligation
  • No impact on your credit score*
  • Loans with and without Guarantors
Choose loan amount
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Over how many months?
Representative APR 278% Representative Example: £500 borrowed for 90 days. Total amount repayable £672.60. Total Interest £172.60. Interest Rate 140.0% (variable)


Why Choose Us?

  • Borrow £100 - £5,000
  • No hidden costs or fees
  • In your account in as little as 15 mins^
  • Your data is Secure 🔒

Select Loan Amount

Select the amount you would like to borrow between £100 – £5,000

Provide your Details

Provide us with the information needed to find your best loan deal

Process your Loan

We’ll show you the cheapest lender on our list likely to say yes!

What are your opening hours?

We offer an online service, so you can always apply 24/7.

How fast is the application process?

Typicaly, you could have a decision on your loan on the same day. The legnth 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.

I am self employed, can I apply?

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

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.

How much can I borrow?

Typically, you can borrow up to £5,000. The final decision on the amount you can borrow is down to the lender.

What is required on application?

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

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

Yes, you can, many of the lenders we work with consider poor credit ratings.

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.

What should I do if I have any more questions?

You can email us at admin@badcreditsite.co.uk and we will do our best to answer your query within 24 hours.