Loans for Bad Credit.

Apply now and get an instant decision from UK direct bad credit lenders. If approved cash can be yours in as little as 15 minutes.



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A quick, easy way to get a loan today.

Representative 49.7% APR (variable). Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 36 monthly installments of £126.61. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.

Apply for Bad Credit Loans

Choose Wisely works with the main bad credit lenders in the UK, to ensure you get the right product with the best deals. So whether you have a less than perfect credit score, have missed some payments in the past or have a history of CCJs, we can help you explore the different options and find the right product for you.

How Choose Wisely can help you get a loan:

  • Fill out a quick 2-minute form
  • Instantly see the lenders who will consider your application
  • Choose the best option for you
  • Complete final checks with lender
  • If approved receive the funds in as quickly as 15 minutes

Customers can borrow from £100 to £10,000 depending on their criteria and successful applicants can typically receive funds within 15 minutes or up to 48 hours for larger sums.

How to get a loan with bad credit

Our lenders understand that maintaining a perfect credit score is not easy and that it is common to have a missed payment here and there – but this should not stop you from getting the loan you need. Our smart search tool allows you to enter your details and will then provide you with a list of bad credit lenders most likely to accept your application and under what terms. This will be based on:

  • Your income and outgoings
  • Credit history and credit score
  • Whether or not you own a home
  • If you're a UK resident

In order to get a bad credit loan, you may be offered a slightly lower amount than good credit customers, just as a way of managing risk for the lender. Otherwise, anything you can do to add extra security to your application will maximise your chances of approval. This could involve adding a guarantor with a good credit rating to your application, known as a guarantor loan, or using your car or property as security, known as a secured loan.

As a customer, you can also look at ways to improve your credit score as this will increase your chances of being approved for financial products in the future. To improve your credit rating, you can do basic things like joining the electoral roll, closing any credit cards that you do not use and look at consolidating your debts to pay them all off.

Can I apply for bad credit loans without a guarantor?

Yes, there are loan options available without a guarantor. After all, not everyone wants to include an extra person to their application and would prefer to work directly with the lender one-on-one. To get a bad credit loan with no guarantor, you can look at the no guarantor loans page by Choose Wisely to see what options you have available to you.

Get Accepted

Apply now and get an instant decision from UK direct bad credit lenders.

I have a default or CCJ on my credit file, is this a problem when applying?

If you have a history of defaults or have a CCJ on your credit file, there are still options when it comes to borrowing money. Again, it's all about knowing where you stand before you apply and not jumping into multiple applications. Visit our specialist comparison table for CCJ loans for more information.

Are there bad credit loans for unemployed people?

Yes, Choose Wisely works with lenders that consider applicants who are unemployed and/or receiving benefits. Beware, you may have to pay a higher rate than that offered by the high-street banks but that is because in the eyes of a lender, lending to someone without a regular income comes with a bigger risk. Beware you may also in this bracket if you are self-employed.

Get accepted with Choose Wisely

Choose Wisely is an independent comparison site which is dedicated to helping customers find the right loans and finance for them. Our site is completely free to use and always will be and applicants can apply 24 hours a day, 7 days a week.

Knowing which type of loan is right for you depends on a few different factors such as how much you are looking to borrow, the length of time over which you want to repay the loan and your personal circumstances.

Each product will have different pro's and con's and minimum criteria so compare your options first to find the product that best suits you. In in this video below, we give you a quick overview of the main options if you are looking for loans for bad credit.

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