Bad Credit Unsecured Loans
We have an approved panel of unsecured and guarantor lenders who can offer loans to people who have a history of bad or adverse credit. If you have a low credit score, had difficulties or been refused a loan in the past we may be able to help find you a suitable loan. Loans can be arranged quickly and the online application process only takes a few minutes Simply click on the lender to apply direct on their website.
Do you need to borrow £3K or more and are unsure which lender would be best suited for you? Click here to try the free loan find and broker service from Norton Finance.
£1,000 - £15,000
2 - 5 years
Poor Credit Lender
Lender Website URL
Homeowners & Tenants
With everyday loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.
Borrowing £3,000 over 2 years at an interest rate of 67.9% p.a. (fixed), you will repay 24 monthly payments of £231.78 per month. Interest payable £2,562.75. Total amount payable £5,562.75. Representative 93.6% APR. Rates from 24.2% to 299.9% max APR.
£1,000 - £10,000
1 - 5 years
Lender Website URL
Homeowners & Tenants
Trusted, simple guarantor loans from £1,000 to £10,000. With the help of a friend or relative to guarantee your loan UK Credit could get you the cash you need.
£4,500 over 3 years, representative 39.9% APR fixed. Monthly payment £201.15. Annual interest rate 34.05% fixed. Interest payable £2,741.40. Total repayable £7,241.40.
I have a bad credit, do I need a credit check to get a loan?
Yes. However, any history of adverse or bad credit will be taken into consideration by the lender. The lenders on our panel are used to dealing with customers will a low credit score.
I have settled CCJ's can I still get a loan?
Yes. The lenders on our panel accept past and settled CCJ's on credit file.
I am a discharged bankrupt, will this effect 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 effect 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 our adverse credit panel will still 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.
How much will I be able to borrow?
Most unsecured loans have a maximum lending limit of £25,000. If you are looking for a larger loan then you may wish to consider a secured loan or homeowner loan as they are also know as. A secured loan will require security such as your home in order to take out the loan.
Will taking out a loan help build my credit rating.
If you make your loan repayments on time each and every month then yes this will positively effect 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 loan from a direct lender?
Yes. Our adverse credit panel consists of both direct lenders and brokers. If you are unsure of who may be the most suitable direct lender, then we recommend you use the services of a broker who will be able to assess your application and place your application successfully with a lender.
I have defaulted on some past loan payments can I still get a loan?
Yes. There are a number of lenders who will consider your application if you have missed previous loan payments or even have CCJ's on your credit file.