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Loans for Bad Credit

Bad Credit Loans UK

  • Find a loan that’s right for you
  • Connect with UK-based lenders
  • Compare loan offers from a range of different companies

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Find unsecured loans for people with bad credit

If you have a poor credit history or a track record of missed payments on previous debt repayments you’ll probably know that your lower credit rating can make it harder to find an unsecured personal loan.

However, that doesn’t mean there aren’t any UK lenders who are willing to offer bad credit loans, so it’s a good idea to shop around by comparing offers from a range of different loan companies to see if any might fit the bill.

Is a loan more expensive when I have poor credit?

Yes, although some personal loan companies will be happy to lend to borrowers with poor credit histories, most of them will charge these borrowers higher premiums, which means the bad credit loan will cost more overall.

The reason for that is that borrowers with bad credit histories represent a risk to lenders, and since the loan in question isn’t going to be a secured loan that can use an asset like a home or a car to offset some of this risk most lenders will increase the APR to reflect this elevated risk.

How much can I borrow when I’m taking out a UK loan with bad credit?

That depends on a number of different factors, including the lender you decide to go with, your occupation, whether you’re employed or self-employed, your current level of income, your other outstanding debt obligations and your other regular outgoings.

The best plan is to speak to a few lenders in order to get an accurate idea of how much you might be able to borrow. This is always a good approach, but is even more important when you’re looking for a loan for bad credit.