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Loans available to people with bad credit

If you have a bad credit rating and are having difficulty getting approved for a personal loan, there are a number of specialist lenders in this market who should be able to help.

Most high street banks refuse to lend to people who have experienced previous credit problems such as CCJs, defaults, bankruptcy, arrears or missed payments. However there are lenders who offer loans for people whose creditworthiness has been damaged.

Maybe a business venture failed and debts could not be paid, or perhaps a period out of work due to redundancy led to arrears building up. There are a number of ways in which a credit record can be damaged - even a forgetting to pay a parking ticket can lead to a County Court Judgement (CCJ) and that can have dire implications when applying for a loan.

Whatever is damaging your credit record, there is usually a way around it. The choice of lenders in this corner of the market has fallen dramatically in recent years, but there are still products on offer. 1st 4 UK Loans

ProviderAPR VariableCommentsDetails
22.1% Need urgent cash but are afraid of being rejected due to poor credit rating, you don’t own your own home or you do own it but fear repossession? These factors can make you unwilling to apply for a loan.

Unsecured Loans For You source and arrange unsecured personal loans of up to £15,000 with or without security regardless of previous credit history.

Representative Example
Borrow £3,000 and pay £114.73 per month for 36 months
The total charge for credit is £1,130.16
The total repayable is £4,130.16
32.7% Get Me Car Finance are a specialist car finance company that guarantee car finance to any individual whatever their financial background or circumstances.

Whether you have been refused car credit elsewhere due to CCJ's, poor credit history, self employment or any other reason, it doesn't matter. Get Me Car Finance have a package to suit everybody, offering a 100% guarantee that you can get that car.

The application process is simple: enter all your details and they will match you up with the best deal available for your situation.

Representative Example
The representative APR is 32.7% (fixed) so if you borrow £4,000.00 over 4 years at a rate of 15% p.a. (fixed) you will repay £134.00 per month and £6,732.00 in total (including 'option to purchase' fee of £300)
34.8% Do you need cash quickly? LoansPronto can help you secure an any purpose unsecured loan from £1,000 to £15,000 from a choice of loan providers and brokers suited to your criteria.

LoansPronto can help both homeowners and tenants even if you have a poor credit history or have previously been refused credit.

Apply today using the simple and secure application form.


Representative Example
Borrow £1,200 and pay £70.10 per month for 24 months
The total charge for credit is £482.30
The total repayable is £1,682.30
Representative APR 34.8%
34.8% Save Simply make loans simple, specialising in loans for any purpose from £500 to £25,000 to tenants and homeowners. Any credit status will be considered.

• Quick application
• No paperwork
• 100% secure and confidential
• Bad credit history? No problem!

Apply now and see if they can help you.

Representative Example
Borrow £1,200 and pay £70.10 per month for 24 months
The total charge for credit is £482.30
The total repayable is £1,682.30
34.8% APR representative for loans from £1,000 to £15,000
48.5% SpringCoin believes that people who have a less than perfect credit history shouldn't have to settle for expensive payday loan credit options. They offer unsecured personal loans of £1,000 to £20,000 over 12-36 months with fixed monthly payments. As long as payments are made on time, it will help rebuild your credit profile.

  • No guarantor required and you don't need to be a homeowner
  • No early repayment fees
  • Helps improve your credit rating
  • Fast funding with same day approval
    Representative Example
    Borrow £3,000 over 12 months and pay £319.66 per month
    The total repayable is £3,670.83
    Interest rate 39% (fixed)
    Representative 48.5% APR (variable)
  • 49.9% Bad credit? No credit? Need a new car?

    Fund My Vehicle offers a one stop solution for customers who have been unable to secure credit elsewhere, putting consumers directly in touch with car dealerships throughout the UK regardless of their credit history.

    Apply today for a no cost, no obligation quote.
    53.9% Is money tight? Do you need cash now? First Choice Capital Resources could help you get up to £5,000 within 24 hours. Specialising in the credit needs of customers with less than perfect credit, they have access to multiple lenders with multiple products and are often able to assist you even if you have been refused elsewhere. Their lenders accept:

    • Those who have been refused elsewhere
    • Problem cases
    • Judgements and defaults
    • Poor credit / CCJs / defaults

    Apply online using the quick, easy, and secure online application and receive approval within minutes.

    Representative Example
    Borrow £3,000 over 36 months at 53.9 % APR fixed
    Payments would be approximately £151.19 per month
    Total amount to be repaid would be £5,442.84
    278% Pounds to Pocket specialise in 12 month loans of up to £2,000 for a variety of requirements and can help even if you have a less-than-perfect credit history.

    Apply online in just five minutes from the comfort and privacy of home and get funds sent to your current account within 10 minutes of approval with nothing to fax and no extra paperwork.

    New customers can also save 20% for a limited time using the special code CJ20.

    Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

    Representative Example
    Borrow £500 and pay £79.09 per month for 12 months at a fixed interest rate of 140% per year
    The total interest charge for credit is £449.01
    The total repayable is £949.01
    464.4% If you’re having trouble getting a loan, why not use your car as security? A log book loan from Mobile Money is a great way for customers to get cash fast, without the hassle of going through credit checks and banks. Mobile Money offer loans from £200 to £25,000 secured against the value of a vehicle using the logbook as security. There's no credit check and you will be considered even if you have a poor credit history.

    • Need money quickly and in confidence?
    • Want to avoid banks and financial institutions?
    • Bad credit history or been bankrupt in the past?
    • Want your cash within one hour?

    Unlock the cash in your car with a logbook loan! Applicants must be 18 years or over, resident in England or Wales and the legal owner of a vehicle which is free of finance and less than ten years old.

    Representative Example
    £800 loan repayable over 18 months
    Monthly payments of £134.11
    Document registration fee of £30.00
    Fixed annual interest rate 132%
    Representative 464.4% APR
    Total amount payable is £2,413.98
    793.8% Satsuma Loans offer a fresh approach to short term loans. Start off with a small loan of up to £300 and, subject to affordability, you could borrow up to £800 as the relationship grows. Loans are paid back in weekly segments to suit your finances and your payment will automatically come off your debit card.

    • Small loans of between £100 and £300
    • No hidden charges or fees
    • Pay back in manageable weekly segments over 13 or 26 weeks
    • Keeping on top of your repayments could help build your credit rating

    Apply for a refreshing loan today.
    Representative Example
    £260 loan repayable over 26 weeks
    26 weekly payments of £16.80
    Rate of interest 136.1% p.a. fixed
    Representative 793.8% APR
    Total amount payable is £436.80
    993% Sometimes something unexpected happens that means you need money fast. An unexpected bill, car repairs or a household emergency can leave you not knowing where to turn.

    Little Loans offer short term loans of between £100 and £2,000 and if you are accepted, the money could be in your account in as little as 15 minutes. They have a large panel of lenders to choose from to make sure you find a loan that suits your needs, so if you have been declined elsewhere, don’t worry they may still be able to help.

    Just fill in the quick and easy online form to apply and you will get a decision in just in a few moments.
    Representative Example
    Borrow £200 for 90 days at an interest rate of 264% (variable)
    Total amount repayable £291.18
    Total Interest: £91.18
    993% APR representative
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