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

Choose loan amount
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.

I Need a Loan...

Conventional financial-services often have a negative approach towards individuals with bad credit ratings. This usually stops or completely disable individuals ability to obtain a loan. Defaulting on loans or late payments are both causes of poor creating rating and sometimes ends up beyond a person’s control. People may have bad credit rating due to various common but unavoidable reasons such as health emergencies or loss of employment.

Many individuals who have less than stellar credit reports end up frustrated when in need of immediate money. They unsuccessfully move from one bank to another requiring a loan and often being rejected. Luckily, in these instances, bad credit loans are a valuable resource in easing financial woes.

As unsecured loans allow you the ability to rebuild your credit while getting the finance you desperately need at the same time. However, most of these loans attract a higher interest rate. The lower your credit score, the higher the interest rate may be. This is because a person with low credit scores is considered ‘high risk’. Statistical analysis from the banking sector indicates that people with bad credit have a more significant possibility of defaulting on a loan. Banks use past credit history to make assumptions on your creditworthiness.

Benefits of Bad Credit Loans

1. Irrelevance of Credit History
With this type of loan, you do not need to worry about your current or past credit report as we do not run a credit check. Conventional loans cast a blind eye on any changes that would show your future ability to pay a loan off due to your rating. However, we are offering loans to individuals with bad credit and focus on what they can do in the future.

2. Quick Approval
Not only is a conventional loan complicated to get, but it also takes a long time to be approved for their protocol. Bad debts have shorter time approval, as fast as 15 minutes later into your account. Our approval rate is placed between 80% and 90%.

3. Credit Score Improvement
Bad credit gives people the opportunity to start rebuilding their credit score. Timely payments significantly improve a person’s creditworthiness, providing him with the opportunity to build a robust financial standing.

4. Large Amount Loans
Bad credit rating lenders offer large amounts of money. You can, therefore, get a more significant sum in a shorter time duration. However, it is important to remember that borrowing of higher amounts will attract more interest.

Why Bad Credit Loans Are So Popular

1. Lack of Time
Building your credit rating back may take a long time even after working hard and doing everything right. It is not uncommon for people to find themselves in situations where they just cannot wait for their credit score to improve their current financial needs are urgent. In such cases, bad credit loans may be the ideal situation.

2. Lack of a Cosigner
Many financial lending bodies like banks, cooperative societies, and micro-finance institutions ask for cosigners before approving loans. A cosigner is very useful as you may get lower interest rates on personal loans if he has a good credit score. It is however tricky sometimes to find a cosigner as he also bears the risks associated with the loan taken under them. Bad credits are beneficial as they do not require a cosigner when offering loans.

3. Lack of Other Options
Finances can be acquired through various avenues such as borrowing from friends and family, and traditional loans from financial institutions. When all these channels are exhausted, bad credit loans may be your only option. This type of unsecured loans is very convenient and may offer aid in your worst time of need.


BadCreditSite™ have help thousands of people in paying their bills, medical expenses, and unexpected emergencies among a myriad of other needs. This is due to their disregarded of a person’s past credit history as well as their quick approval time and rate. Their timely payments will help to repair your poor credit scores. Although your credit can be damaged almost instantly, bad credit loans will give you a fresh start in building high credit scores.

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