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We've been trusted for guarantor loan comparison by thousands of customers since 2013.


The Independent review organisation Reviews.co.uk report that reviewers recommend Lending Expert.

Lending Expert's

We’re finance experts. This means we know our stuff when it comes to helping our customers find the right guarantor loan for them. We know where the best deals are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

As a comparison website and credit broker we’re not tied to one credit card provider. This means we can search the wider market to find you the best debt consolidation deals from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means if you decide to proceed with loan you can be assured you are dealing with a legitimate and reputable finance company.

Saving You Money

With the help of our approved partners we will search the market to find you the best loan deals. Our comparison service will save you time and money and ensure you're getting the right type of loan available.

Before you apply for a loan you may need to have a suitable guarantor in place who has agreed to act on your behalf and understands the responsibilities. This will help speed up your application process and make the process easier when you come to apply.


Can I Get a Unsecured Loan with Bad Credit?

Yes, you can still get access to a unsecured bad credit loan, even if you have a poor credit history and have been rejected elsewhere. 

Whilst most UK lenders are looking for good credit ratings, there are a number of lenders who cater specifically for the market of bad credit – offering guarantor, logbook, secured and unsecured loans.

At Lending Expert, we work with a large panel of lenders who can offer loans for people with bad credit. Customers can apply to borrow £500 to £50,000 repaid over 6 years – with all credit histories considered including CCJs, IVAs and more. Also see CCJ loans for more options.

You can use our comparison table provided to find the right product and rates for you – and simply click on ‘Check My Eligibility’ to get started.


Key Features 

  • Borrow £500 to £20,000
  • Repay over 1 to 6 years
  • All credit histories considered
  • CCJs, IVAs and bankruptcy considered
  • Online application
  • Instant decision available
  • Same day funding (or same week)
  • No guarantor options available


Why Use Lending Expert for Bad Credit Loans? 

Lending Expert is one of the UK’s largest aggregators of unsecured and secured lenders and we can help find the best bad credit loan for you.

We understand the difficulty in finding affordable finance if you need a loan with a bad credit rating. The challenge of filling in lots of applications and being denied can be tough – and you might feel that there are no options available.

However, this is not the case. We are proud to be working with a number of direct lenders who will be happy to review and process your loan application.

Our comparison service is completely free to use and will not impact your credit score.You can compare loan amounts, rates, repayment examples and different levels of security – and find the best option for you.


What is the Eligibility Criteria?

  • Over 18 years of age
  • UK resident
  • Employed and can afford monthly repayments
  • Valid UK bank account, mobile and email address
  • Guarantor required (for guarantor loans)
  • Security required such as car or home (for secured loans)

Do You Offer Secured Loans With Bad Credit?

Yes, if you are looking for a secured loan then we can certainly help with this. Bad credit secured loans are available for applicants who are homeowners and how equity in their home to secure the loan against. Typically secured loans are over £10,000 and repaid over a longer term upto 35 years for example. If you have adverse credit then you may find it easier to get a secured loan when compared to a unsecured or personal loan. Secured loans are popular for debt consolidation and making larger home improvements.

To get started with a quote and to learn more about costs and repayments then simply check your eligibility above with Lending Expert.

How Much Can I Borrow?

Our bad credit unsecured lenders offer loans ranging from £500 to £25,000 based on your income and eligibility. If you are looking to borrow a larger amount of money and you are a homeowner then you may wish to consider a secured loan.

Typically, loans for poor credit will involve a guarantor or using something valuable that you own as security, such as your home or vehicle. 

So if you have a guarantor with a strong credit rating or you have an asset like your home which is worth a lot, this will maximise the amount you can borrow.

You will also need to be employed and earning a regular income as proof that you can keep up with monthly repayments.



How Soon Can I Receive Funds?

With unsecured, personal loan and guarantor products, funding is often completed in 24 to 48 hours – providing that all the checks have been completed.

With secured loans, this can take a few days or weeks, since items or assets may need to be valued and verified before the loan can be completed and funded.


Do You Offer Bad Credit Loans from Direct Lenders? 

Yes, we work with bad credit loans direct lenders, so that you can apply directly with the provider of your choice from start to finish. 

We act as a matching and price comparison service, giving you a full overview of the products and rates available.

We do not charge any fees for using our service and you can have peace of mind that your application will be processed by a direct lender every step of the way – including the application, underwriting, funding and repayment process.

There are no other middlemen involved and we will not share your details without your permission.


Can I Get a Bad Credit Loan with No Guarantor?

Yes, you can get a bad credit loan without a guarantor. Whilst adding a guarantor to your loan is popular for most customers, there are alternatives available.

We offer a range of personal and unsecured options or you can use a bad credit secured loan, whereby you take something valuable that you own as security, such as a car, bike, van or property and leverage its value in order to borrow money. However, your asset is at risk of repossession if you do not keep up with your repayment.


How to Apply for a Bad Credit Loan with Lending Expert?

To apply for a bad credit loan online, simply compare rates and terms using our comparison table provided. 

Perhaps you are looking specifically for a guarantor loan or maybe you are looking to leverage some valuable security that you own. 

Once you have selected your chosen lender, you can click on ‘check eligibility’ where you will be taken directly to the lender’s website where you can apply.

You should be able to receive an initial quote or decision upon completing the application and subject to further checks, you may be able to receive funds into your bank account within a matter of days.


Can I get a bad credit loan with no credit check?

Typically no. Credit checks are usually carried out as part of any loans process. However, with bad credit loans, your personal credit score is less important (since it is assumed that you have poor credit) and instead, the lender takes into consideration the value of your asset used as security or the quality of your guarantor.

Can I get a loan with a CCJ? And what if my CCJ has been settled?

Yes. The lenders on our panel accept past and settled CCJ's on credit file.

I am a discharged bankrupt, will this affect my loan?

Being a discharged bankrupt may limit the amount of lenders that are open to you. However the lenders on our adverse credit panel will be happy to consider you application. They will consider your credit record as a whole.

I have missed loan payments in the past, how will this affect my chances of getting a loan?

Missed loan payments will limit the amount of lenders who will be willing to accept your loan application. However, the lenders on Lending Expert's credit panel will still be able to consider your application.

Do I need to show proof of income to get a loan?

Yes. You will need to show adequate proof of income. This may be in the form of payslips if you are employed, or SA 302 forms if you are self employed either as a sole trader or company director.

Will taking out a loan help build my credit rating?

Yes, if you make your loan repayments on time each and every month then this will positively affect your credit rating and increase your credit score.

Can I get a loan while self employed?

Yes. Being self employed is not a problem as long as you can show proof of income from your business as either a sole trader or company director. Many lenders will request to see SA302 documents from HMRC which show your income for the financial year. You may also be asked to provide business accounts or verification from your accountant.

Can I get a bad credit no guarantor loan?

Yes. Our panel of lenders offer loans to people with bad credit without the requirement for a guarantor to be in place.

Can I get a guaranteed bad credit loan?

Lending Expert will search our panel of lenders to find you a suitable direct lender at the best rates possible. However we can not guarantee that you will be accepted for a loan, and a credit check will be neccessary to proceed with any loan offer.

Can I get a bad credit loan near me?

Yes, you can get a bad credit loan near you on Lending Expert. However our lenders provide a national service and get provide UK funding across England, Wales and Scotland.

Can I get a secured loan with bad credit?

Yes, Lending Expert can help arrange a secured loan with bad credit from our expert brokers. There are a range of lenders who are willing to borrow to bad credit applicants. Simply check your eligibility above to get started.

Can I get a bad credit loan without a credit check?

If you wish to take out either an unsecured loan or secured loan with a bad credit history then you will need to undertake a credit check to progress with a loan application.

Bad credit loans are available from both direct lenders and brokers. Check your eligibility and apply online for a loan in the UK here on Lending Expert.


Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

Overall Representative Example for Secured Loans

Based on borrowing £18,000 over 120 months. Interest Rate: 6.5% fixed for 60 months with instalments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £221.71. Fees Broker fee (£1,530); Lender fee (£495). Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee. Overall cost of comparison 9.1% APRC.

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