Instant Decision Bad Credit Loans up to £5,000

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

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Representative 49.9% APR (variable). Representative Example: If you borrow £1,000 over 12 months at a Representative rate of 49.9% APR (variable) and an annual interest rate of 49.9% (variable), you would pay 12 monthly instalments of £103.06. The total charge for credit will be £236.72 and the total amount payable will be £1,236.72.

Need a £400 loan?

If you are a citizen of the UK and seeking a small short term loan of £400 to cover a small financial emergency, then we hope to be able to assist you with your search. We have partnered with several FCA authorised lenders to help you find the best loan deal (from our panel) based on your details.

How could a £400 loan help me?

A £400 loan could be suitable for those who want to cover unexpected expenses such as a car repair or a sudden illness. You might also apply for this loan amount to help boost your small business, finance home improvements, consolidate debt or cover moving expenses. Whatever the reason, we could assist you in finding the funds as quickly as possible. With the flexibility offered by most direct lenders in the UK, it could be said that borrowing small personal loans has never been easier.

After submitting an application, we’ll refer your application to our panel of lenders for an initial decision. If lenders respond positively, you will receive competing quotes within a few minutes. You can then choose the best option for you, and if approved you could get the funds on the same day˅, allowing you to cater to your emergency needs quickly.

Our lenders also offer a range of repayment options, meaning that you could opt for a more extended period to pay off your loan. Generally, £400 short term loans can be repaid within 3 to 6 months, which might be convenient for most people.

Can I borrow a £400 loan if I have a poor credit history?

At BadCreditSite, we believe that there should be an option for everyone, especially during emergencies- even those who have an imperfect credit history. We've teamed up with a diverse group of lenders to better support applicants with good and bad credit histories. Whether you've defaulted on your past loans or have a CCJ in your name, we may still be able to help you.

How do I apply for a £400 loan?

We understand that it can be stressful to search for a lender that offers favourable terms. To save you some time, we have provided a platform which can match your profile with several lenders in an effort to help you find a suitable loan provider faster.

To do this, you'll need to fill in the online application form with your personal details, employment status and monthly income. Once you do this, you'll be given loan options to compare.

If you decide to continue with a lender, you can click through to the lender’s website to finalise your application. If approved, you could receive the funds on the same day of your application˅. Final approval is down to the individual lender.

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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