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.

No Credit Check Payday Loan Quotes

Reviewing a customer’s credit file is one of the key things lenders do before making a decision on whether to lend a customer. When applying directly with a lender for finance, you will always have to be credit checked in full, often referred to as a hard credit check.

Bad credit can be a downward spiral, almost everyone goes through tough times financially at some point, but it often seems the case that one tough time manages to haunt us for years to come through our credit file.

We're told we need to improve our score by attaining and paying back more credit (on time and in full). This demonstrates we are fit to lend to again, but at times the problem can be that no lender will approve a loan. How can we improve our score when the credit we need has become unobtainable?

What's worse, is every time we apply for a loan directly with a lender we may be declined, and every time this happens, it causes another blip on our credit file. It's a frustrating vicious circle that can be difficult to escape.

This cycle can be broken is a broker, specialising in price comparison. Our speciality is helping those who have suffered from the negative effects a poor credit file can inflict and helping them get back on track.

We do this by searching the market and matching our customers with lenders, some of which specialise in helping people with bad credit. Some of the lenders on our panel have experience in this area and can be more lenient than high street lenders. Like us, their aim is to help people get back on track by providing a loan that can help them start off on the path to financial recovery.

Each application we receive is submitted to a relevant panel of lenders. Lenders will only conduct a soft search to decide whether they are likely to lend to an individual. This initial loan application search on will therefore not damage your credit score.

A Free Quote

Many people who suffer from bad credit are put off from applying directly to lenders because if they are rejected, this may impact their credit score in a negative way, making the situation worse.

But with, submitting an application will only involve a soft search from lenders, which will have no impact on your credit score. You’re also under no obligation to complete an application with a matched lender if you decide you don't want to.

How It Works

All our customers need to do is to fill out our application form as accurately as they can. Once completed our software could then match them with an appropriate selection of lenders.

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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