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We've been trusted for credit card comparison by thousands of customers since 2013.

100% Recommend

The Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert

Lending Experts

We’re credit card experts. This means we know our stuff when it comes to helping our customers find the right card 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 credit card deals from across the UK.

Authorised & Regulated

Lending Expert is an FCA regulated credit broker which means 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 credit card deals. Our credit card comparison service will save you time and money and ensure you're getting the right type of credit card you need.


Can I get a credit card with a bad credit rating?

Yes. You can certainly apply for a credit card with bad credit, but you should make sure it's the right card for your circumstances. Although there are many different types of credit cards available, each with different uses. There are cards with 0% balance transfers, to interest-free purchases, and even cashback cards. Check your eligibility with Lending Expert today.

Can I get a credit card with a CCJ?

Yes some credit card lenders will consider your application if you have had a CCJ on your credit report.

I'm only 18 years old and dont have a credit history yet can I still get a credit card?

Yes, if you dont have a credit history there are still credit card providers willing to offer you a credit card if you are in full time employment.

Will a credit card for bad credit help me if I have a lot of debt?

It will depend on how you use the card for and if you make your payments on time you'll avoid paying any interest at all This m means you can focus on other existing debts. However if you don't use the card responsibly then you'll end up paying a much higher interest rate – which won't help your situation at all.

What other alternative types of credit cards could I use?

If you have a limited credit history, rather than a bad credit history, you'll benefit from a credit-builder credit card – these credit cards work in much the same way as credit cards for bad credit and are very similar.

Which bad credit credit cards give you instant approval?

Most 'bad credit' credit cards are easy to apply for online. Specially those with the better terms will take a few days to approve you. This is because card providers want to fully check you out before offering you a deal. There are some so-called 'instant approval' credit cards which claim to you a decision in as little as 1 minute, however. If you apply for one of these, you can end up approved, declined or referred for further review. Check your eligibity with Lending Expert today to learn more.

Can I get a credit card for bad credit if I am unemployed?

Yes, you can get a credit card if you are unemployed. Your credit limit is likely to be low and the APR you are offered high. It's also very important to consider how you'd pay off your debt without a steady income to meet the repayments.

We compare credit card deals so you dont have to.

Related Links

Compare Credit Cards

Compare credit cards from across the market. Suitable cards for applications with all credit types. Check your eligibility and apply online with Lending Expert.

0% Balance Transfer Credit Cards

Compare our longest duration 0% interest cards on balance transfers and money transfers.

0% Purchase Credit Cards

Compare our longest duration 0% interest cards on purchases. Check your eligibility and apply online with Lending Expert.

Bad Credit Cards

Compare our bad credit and credit building cards. Check your eligibility and apply online with Lending Expert.

Credit Cards For Students

Compare credit cards specially for students. Apply online today.

Business Credit Cards

Compare and apply for our top business credit card providers.

Cash Back Credit Cards

Compare and apply for our top credit cards that offer cash back on purchases and spending. Check your eligibility online with Lending Expert.

Travel Credit Cards

Compare the best credit cards for using abroad with Lending Expert.

Credit Builder Cards

These credit cards are designed to help build your credit rating. We can check if you're eligible for these cards in just a few minutes.