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.

Need Money Now?

Are you in a difficult position and need a loan to get by until payday? We may be able to help. As a loan broker, we offer a loan matching service that could enable our customers to find the right loan for them within minutes.

Here's how our software works:

Step 1: Fill out our application form

The first thing we ask our customers to do is to fill out our application form as accurately as they can. This way, we can not only help our customers find the best loan from our panel of lenders but a loan that's a good fit for their own individual circumstances. For example, if a customer is someone with a poor credit rating, then we might be able to match them with lenders who are more lenient and open to helping customers in these circumstances.

Remember, while we endeavour to help as many people as we can; we can't always find a match for everyone. Sometimes none of the lenders on our panel will be able to provide you with a loan, but the good news is even if you don't find a match through our platform, your credit rating will not have been affected from your search.

Step 2: Review quote (if successful)

Once you have filled out our application form and verified all the information on it is accurate, you can then submit your application. Our software will search for the most appropriate lender and product on our panel. Keep in mind that retrieving a quote is free and does not impact your credit score in any way.

After your application submission, you will be presented with lenders who have accepted your application in principle. We then recommend you review your options, and if you would like to progress further, you can continue by visiting your chosen lender’s website directly.

Step 3: Accepting the loan

At this point, you will no longer be dealing with but the lender directly. They may require additional details from you; this will help them determine if they are going to offer the loan or decline the application ultimately. The lender will likely carry out further checks, including a hard credit check before making their final decision.

Submitting an application on the Bad Credit Site is an excellent way to test the water and find out if you could be eligible for a quick loan now. In some cases it's possible that a loan could take a matter of minutes to be approved and could be in your account in under an hour˅. The time it takes to receive funds will depend on your banking provider and your lender.

Searching for a loan on BadCreditSite is free and safe. It will give you a good indication of what you may be entitled to, with no obligation to continue if you decide it’s not the right option for you.

The customer can then choose which lender to continue with, by visiting the website of that particular lender. Here they can complete and submit an official application; this is when the lender will most likely carry out a hard credit check and provide the customer with a final decision.

To find out if you are eligible for a loan without jeopardising your credit file; then fill out our application form today.

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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