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.

Short term loans without credit checks?

Are you looking for a short-term loan quote without a credit check? By making an application on BadCreditSite, you can search for a loan from our panel of lenders, with no damage to your credit score. Our lender panel will only conduct a soft search as part of your initial application. There is no obligation to continue with a lender if accepted, but if you do, only then will a lender carry out a hard credit check.

How can we help?

Thanks to the smart search software on our website, customers can submit one loan application that will be sent to multiple lenders for an initial decision. What this means is that instead of making multiple applications to different direct lenders, across various sites, you only need to conduct one search. If lenders respond positively to your application, you can view competing quotes in a comparison table for your review.

How it works:

Step One: Fill in our online form with your basic information (this should take just a few minutes)

Step Two: See which lenders accept your application – this should only take a few seconds

Step Three: Review your options and decide which lender to continue with

Step Four: Follow the link to the lender's website to finalise your application

Step Five: If approved, await payment. In some instances this may happen in under an hour˅ (the time it takes to receive funds will depend on your lender and banking provider)

Who can apply?

Any UK resident who is over the age of 18, with a regular income, and has a fixed address can apply for a quote through our site. If you are self-employed, you may be required to submit additional proof of income. It's important to note that the information required may vary as lenders each have different criteria for acceptance.

The lenders we have access to offer a wide range of loans, including short-term loans, doorstep loans, and guarantor loans. We aim to match customers with the cheapest lender from our panel and the one who's most likely to approve their application.

Do you have any further questions?

Let us know what you need by emailing us at, and we'll get back to you ASAP.

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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