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Representative 49.9% APR.
Representative example: Amount of credit: £750 for 12 months at £77.29 per month.
Total amount repayable is £927.48.
Interest charged is £177.48, interest rate 49.9% pa (variable).

Rates from 11.8% APR to 1575% APR – your Free*, No obligation quote and APR will be based on your personal circumstances, and Finance is subject to availability and status. Authorised and regulated by the Financial Conduct Authority.
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Loans for Bad Credit

What are loans for bad credit

The words ‘loans for bad credit’ come with a presumptuous reputation. It practically screams out that a person hasn’t quite done all the things they should have or checked all the right boxes in life.

‘Bad credit’ people are scroungers, who avoid paying their bills and live the high life on the tax payers bill, right? Wrong! ‘Bad credit’ doesn’t mean bad people, and we’re here to put to bed the myths about bad credit and waver any pre-determined assumptions you have about your financial issues.

Unfortunately, the financial world is filled with negative jargon that plays along with the ‘loans for bad credit’ reputation. 

Arrears, fore-closer, payment declined, late fees, debt…they all paint quite the bleak picture, don’t they? Conjuring up an image that in actuality, often isn’t the case.

Let’s take debt for example – not all debt is bad. When used correctly, having debt can actually be a good thing. 

For instance, having a mortgage is not perceived as a bad thing, but rather, a very good thing. But it is a type of debt.


Why loans for bad credit in the 1st place

Loans for Bad credit doesn’t come from having  payday loans or credit cards, mortgages or any other form of monetary borrowing. 

It comes from the failure to pay it back. And here is another negative word, that is often misunderstood factuality. 

Failure. It means that you haven’t managed your repayments, not that you have been unwilling to pay.

More often than not, financial struggles come from periods of large playout and little income. 

This can occur for a variety of reasons, such as death, unexpected large expenses, car failure, job loss, sickness and so on. 

In all likelihood, someone with bad credit has not chosen the situation they now find themselves in.

So why should they be punished for it? Your credit score is, in layman terms, a grade given to you by banks and financial lenders regarding your reliability to make repayments (not necessarily including your ability).

 This is why loans for Bad Credit exist. To help those who need a loan for bad credit reclaim their prestige among the money lenders.


Different types of loans for bad credit

Loans for Bad Credit, again, coming in many forms such as high interest, small amounts etc., are often a good way to go if you need a bit extra for a short period. 

But be sure you can pay it back, or else you could very well make your situation worse. 

After all, the idea behind the ridiculously low yield and high interest is to help you prove to lenders that it’s not that you are unwilling or even incapable of making good on your promise to repay them, but rather that you just had a bad couple of months in the past, and now you’re willing to make up for it.


Availability for personal loans for bad credit

There are a number of payday loans direct lenders out there willing to take a chance on someone without the perfect credit score. 

Provided you have an income and are willing to pay the money back with a large APR, you can not only get the money you need, but start to bring your credit score back up and into your favour, provided you make prompt payments, if not wiping the slate clean all-together. 


Always remember that late repayment can cause you serious money problems. For help, go to Money Helper

Why to choose

  • Borrow between £100 - 10000
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Excellent service. The application was processed immediately... like 50 seconds and found me a loan. Thank you... I would recommend when in need of assistance....​
Great response to my application, quick and easy straightforward process, great service all the way.
These are great i only took a £200 loan same amount each month and txt and emailed when payment was due cant fault them 😊

How Cash Loans Online Work?

Apply Online

Simply fill out our secured user friendly online form

Finding your Loan

Our High-Tech will process your application and will look to locate the right loan for you and your circumstances.

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Once you are approved, you will be directed to your lender to finish the process.

Who can apply?

To be eligible to get a loan, you need to:

Be a Legal UK resident 


Be 18 years of age or older


Have a valid UK bank account, working phone and email


Have a regular source of income (min £700 per month)