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

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

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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.

Bad Credit Loans

Those who have a poor credit rating might find it more difficult than others to be approved for future credit. While a low credit score doesn't last forever, it could stand in the way of you being approved for loans, credit cards or any other traditional forms of credit. This can happen for a number of reasons, late or missed payments of existing loans or defaulting on bills can all negatively affect your score. Sometimes there could be extenuating circumstances behind an individual's financial difficulty. Sadly though, it still damages an individual’s suitability in the eyes of lenders. The good news is there are lenders in the UK who specialise in non-conventional loans and might consider those with a credit history that's less than perfect. They could even help those with poor credit scores, and help gradually improve their credit scores over time if repayments are made on time and in full. Bad credit loans exist to help those that other lenders won't, and offer a lifeline to those in need.

Who are we?

At, we work with a panel of several lenders to help people with poor credit ratings increase their prospects of obtaining a loan with a lender that's right for their personal circumstances. Our service compares multiple lenders in the market and helps our customers explore lenders who may be more lenient and open to lending to someone who's credit rating is (at this moment in time) lower than the average.

We cannot guarantee you will be accepted for a bad credit loan. Everybody’s circumstances are unique to them, and in some cases, we may not be able to find a lender for you. On this website you’ll be able to complete an application and our software will search through several bad credit lenders to see if there is a loan that is suitable for you.

BadCreditSite is a broker specialising in price comparison; we are not a lender ourselves. But we do have a proven track record when it comes to helping our customers find the right loan for them, but like every broker in the UK, we can not promise success.

Here are some more positives about the service we offer:

  • We compare loans from multiple lenders including lenders who could offer loans to individuals with poor credit histories
  • We do not charge customers for retrieving a quote (we may get a commission from the lenders we work with if you are successful in obtaining a product)
  • Submitting an application form will not affect your credit rating in any way (continuing an application directly with a lender will likely result in a hard credit check)

We wholeheartedly believe that everyone deserves a helping hand and that a bad credit score is something nobody gets on purpose. If there's an option available to you, we'll do our best to help you find it through our loan matching software.

To apply for a loan with a lender from our panel, you need to:

  • Hold an active UK bank account
  • Provide the relevant evidence you can afford to repay the loan
  • Be over 18 years of age
  • Be a resident of the United Kingdom

Upon reviewing your lender quotes and subsequently applying for a loan with a matched lender, you will need to sign a loan agreement form in order to have your loan issued. Once completed it's possible that with some lenders the funds could be in your bank account in under an hour.

We cannot guarantee a lender will approve your request, but our website makes it easy to assess your options.

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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