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Borrow from £50 to £25,000*

Complete our simple 60 second application form to get the loan you want today.



N Online Decision
Borrow Up To £995
N All Reputable Lenders
N 3-36 Month Repayment
Rates from 278% to 1576%



N Instant Decision
N Borrow Up To £25K
60 Second Application
N 3-36 Monthly Repayments
Rates from just 4.7% to 278%


Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years
TYPICAL 10.9% APRC variable
Calls may be recorded for training purposes. The third party lender or broker may charge a fee of 0% up to 15% on your loan.

How Will My Application Work?

Secure Payout

Our secure technology platform will present your application to a panel of lenders, to help find the best loan, for your personal situation.

Paid Into Your Account

Once your application has been accepted by one of our lenders, you could receive payment within 24 hours.

Credit Problems*

Whether you have a bad credit history or simply no credit at all we are able to help. Apply today and let us help.

How Do I Apply?

Poor Credit Loans in the UK: Finding the Best Loan Options

With the unceasingly increasing demands for loans and other loan services, as well as the consequent rise in the number of the borrowers’ unpaid debts, traditional lending institutions and firms were driven to come up with effective resolutions that would help address these problems in the long term. As a result, a credit scoring system was developed and designed specifically to work towards these ends. Under this credit scoring system, lending firms were given the capability to easily classify potential borrowers according to their personal finances — and those whom they perceived to be unlikely to be financially capable of paying off their loans were easily segregated from those whom the lending firms believed were likely to be capable of paying off their debts without any problem in the future. With this credit scoring system in place, individuals as well as other borrowers who earn less than what the lending firms have decided as the acceptable minimum were automatically given poor credit scores, while the borrowers who missed out on their payments — whether frequently or repeatedly, and whether or not they had done so intentionally — had financial records automatically indicated their bad payment histories. As a consequence, individuals and other borrowers with bad payment histories and poor credit scores found themselves automatically disqualified from securing any type of loan from any of the standard lending firms and institutions.

This credit scoring system, while it proved to be of great help to the lending firms in addressing existing problems in the lending system, proved to be extremely harmful to the borrowers’ finances in the long term. Due to the fact that borrowers with bad credit were automatically precluded from acquiring any more loans from any of the legitimate lending institutions and firms, a lot of these borrowers were left with very little and often unacceptable and impractical alternatives whenever they were faced with adverse financial circumstances. And while selling off properties or asking from friends and family are commonly resorted to when there is an urgent need to raise money, these options are not always plausible, nor are they always easy. As a consequence, borrowers with bad credit were often left with no other alternatives other than taking underground loans from illegally lending firms. And although this loan option does provide borrowers with the short term monetary relief that they urgently need, these loan services often come with long term consequences that leave many borrowers in even worse financial circumstances.

why get poor credit loans

Getting Poor Credit Loans for Bad Credit

As more and more borrowers with bad credit find themselves in a never-ending cycle of difficult financial circumstances due to underground loans’ exceedingly high interest rates, a whole new market composed entirely of borrowers with poor credit scores and bad payment histories was inevitably created. And with the continuously rising demands for safer and more affordable loan services in this newly formed market, lending institutions and firms have later on decided to come up with innovative new loan services, developed especially for borrowers with bad credit. With innovative new financial solutions like poor credit loans, borrowers now have quick and easy access to better loan services despite their bad credit circumstances. And unlike applications involved in majority of the conventional loans that are generally being offered in traditional lending institutions and firms, applications for innovative loan services like poor credit loans no longer necessitate borrowers to submit impossibly hard to procure requirements. With poor credit loans and other innovative new loan solutions, borrowers need not have to resort to underground loan services from illegally operating lenders.

How to Get Poor Credit Loans and Instant Loans

Through the continuing evolution of the lending industry, as well as the latest advancements in online security and technology, innovative new loan services are now available to borrowers even despite their bad credit circumstances. With innovative new loan solutions like poor credit loans and instant loans, borrowers now have easy access to much more secure and affordable loan alternatives which they can rely on especially in times of urgent financial crises. Through poor credit loans and instant loans, borrowers may now enjoy the convenience of being able to submit loan applications right from the comfort of their own homes. Since loan applications can now be accomplished entirely online, borrowers may now submit their applications from anywhere, anytime. And because everything can now be completed entirely over the internet, loan applications are now processed immediately after they are submitted. Consequently, approvals of applications for poor credit loans and instant loans can now be expected in as little as just minutes after their processing was completed. The release of funds for approved poor credit loans, on the other hand, may now be completed in as little as just mere hours after the applications were submitted.

With these very convenient features of innovative new loan solutions like poor credit loans and instant loans, these loan solutions are actually considered one of the best options in addressing urgent financial situations. But since poor credit loans and instant loans are normally just small loans that borrowers are to repay over short payment terms, these loan services do not make great alternatives when it comes to addressing more complex financial circumstances. For financial conditions that require more elaborate solutions, borrowers are better off acquiring secured loan options, which they can easily repay over much longer payment terms.

Getting Poor Credit Loans from Direct Lenders

Many borrowers tend to falsely believe that just because procuring loans from the lenders directly does not entail paying for loan brokers’ fees, it follows that this option yields more benefits. What a lot of borrowers fail to see, however, is the fact that because loan brokers keep a network of connections to countless lenders in numerous regions, they consequently have comprehensive access to all these lenders’ different discounted lending services. Due to this, borrowers who opt to secure loans through loan brokering firms actually enjoy a lot more savings and so much more benefits in the long term.

why get poor credit loans

*Subject to lender approval and requirements.

Complaint Procedure 

What Happens If I lie On My Application?

This has happened before and for obvious reasons this isn’t good practise and will never end up in you getting the loan you want. Please be aware by lying you will only be wasting your time and that of the lenders as they have control measures in place to stop such a thing and will always check your application to the best of their ability.

Lying on your declaration and receiving money from the lender, can be and will be, classed as fraud. The relevant legal proceedings will then be taken to recoup the funds.

5 most recent personal loan reviews

Review of Payday Express

Was asked to be a guarantor, filled in application online - was very quick and easy. I had phone call to confirm job done loan transferred immediately into bank and customer service was excellent, would use again if needed.

Review posted by Susan Wilson, Banbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of 1st Stop Loans

I still cannot believe how quick the process was & how fast the pay out was! The customer service I received was second to none & couldn't have been treated any better or honestly than I indeed was!

Review posted by Mattew Hayre, Stock-on-Trent

  • Customer Service
  • Flexibility
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  • Value For Money

Review of Progressive Money

I would recommend this company if your struggling to get a loan, definitely if your unemployed, really pleasant and helpful. Will apply here in the future if I ever need another loan.

Review posted by Angela Jones, Chatteris

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

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