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.

Personal Loans for Bad Credit

When looking for a loan in the UK, it's tough sometimes to know where to turn; there are so many different options it can be hard to know where to find the right lender for you. This makes the process of getting a personal loan frustrating, counter-intuitive and confusing.

Finding the right loan faster

But if you're looking for a starting point; then consider using our free loan search by filling out our application form. We could make the process of finding a personal loan less of a struggle using our loan matching system.

Once you’ve submitted an application, we will then be able to search through our panel of lenders to see if any of them have a personal loan that suits your circumstances. If so, and if you decide to continue with a particular lender, you can then continue finalising your application on your chosen lender’s website.

What if I have a bad credit rating?

Many of the customers we've helped have already considered a traditional loan, credit card or an overdraft but may have been unsuccessful in their applications. Now they don't want to cause any further damage to their credit ratings.

By completing the initial application on BadCreditSite, customers will only be soft searched by lenders. They can then see whether they’re likely to be accepted for a personal bad credit loan and by which lenders. While we can never promise you will be accepted, getting a quote from us is not only free, it comes with no obligation and allows our customers to test the water without risking another rejection on their credit file. If you do decide to continue with a particular option, you can finalise the application by clicking continue, and visiting the lender’s website. At this stage the lender will complete their final checks, including a hard credit check, before making their final decision.

Fill out our application form if you would like to learn more about your borrowing 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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