Bad Credit Loans

Please see a range of Bad Credit Loans compared below. Bad credit loans are much wider than payday loans or logbook loans because you can get both unsecured (personal) and secured loans from Bad Credit Loan providers. A Bad Credit Loan provider will scour the market on your behalf based on the information you give them and will come up with a range of loans for you.

Therefore, your options are more varied. Not only that but a Bad Credit Loan provider is ideal for people who have issues with your credit history and therefore find it difficult to get credit. Bad Credit Loan lenders are prepared to take on higher risk borrowers.

However as with any loan type it is important to really consider whether you will be able to take on the loan — especially if the Bad Credit Loan provider offers you a secured loan. Can you handle the responsibility and the risk of losing the asset used to secure the loan? Bad Credit Loans do carry APR rates which are slightly higher than on a ‘regular’ loan but this is simply due to the higher risk to the lender. However, the rate will most likely be lower than on a payday loan. When choosing a Bad Credit Loan, look out for great additional features such as the ability to rebuild your credit.

Company	APR	Loan Amount	Min Term	Max Term	Terms	Suitable	Secured Loans	More Info
Wentworth Direct Finance Loan	15.2%	£1000-£15,000	12 Months	60 Months	Note you must be employed or self empoyed to be eligible. Typical 15.2% APR. Wentworth Direct Finance loans are not available to persons under the age of 18.	All borrowers - even with bad credit history, been refused elsewhere, been blacklisted or have CCJs.	No
	Wentworth Direct offer a no-frills service. If you've been refused credit elsewhere, are a problem case, have been blacklisted, or have judgements or defaults against your name, you are still eligible for a loan. Borrow from £1,000 to £15,000 and fill out the online no-obligation application form. Type in the amount you want to borrow, the length of time you would like to repay the loan, and your current employment details (are you currently working, monthly income after tax etc).
Loan Finder	23.1%	£200-£15,000	On application	On application	All credit provisionally approved is subject to status and is not available to persons under 18.You are under no obligation by completing the application form.	People with poor credit history	Yes
	Loanfinder find unsecured loans from a wide range of lenders for people who have had problems getting loans from mainstream banks and lending institutions. Loanfinder even provides a free credit report.
YES Loans	48%	£500-£25,000	Apply online to view	Apply online to view	Depends on loan type - fill in online form and you will be given your choices.	Those that have been refused by high street lenders and those suffering with credit difficulties such as CCJs, defaults or mortgage arrears.	Yes
	Yes Loans accepts well over 95% of individuals who apply for a loan - regardless of circumstances. Apply now for a fast decision. So if you have a poor credit rating, CCJs or have been blacklisted, you can try Yes Loans.
247 Cashline Payday	1355%	£100-£1,000	31 Days	31 Days	18 or over, in full time employment earning £750 per month. Payment should be within 31 days.	Individuals who need cash quickly and can repay within 31 Days.	No
	Cash available for you rapidly - Complete the short application form. Within a few moments 247 will let you know if you have been approved - borrow between £100-£1,000.  Please Note - This is a Payday Loan and so must generally be paid within 31 days.
Provident Personal Credit	272.2%	£50-£500+	23 Weeks	52 Weeks	Applicants must be at least 18 years of age and a UK resident. Repayment period 23, 31 or 50 weeks.	Those with poor crdeit who want a quick cash loan	No
	£50 to £500 cash loans could be delivered to your door within days. Applications are considered even if you are unemployed, have a poor credit history or have been turned down for credit before. Example: Loan amount: £300, 52 weekly repayments of £10.50 Total amount payable £546. Typical 272.2% APR
Save Simply	On application	£500 - £25,000	12 Months	25 years	The Partners will contact you with loan information. Please note that such information should not be used as the sole basis for your loan decision, and may not meet your particular needs.	Poor credit borrowers, retired, self employed or unemployed	Yes
	Get free quotes and a loan of between £500 - £25,000 with Save Simply. No matter what you need the loan for, Save Simply accept all applications.
Beagle Finance Loan	42.6%	£100-£25,000	Apply online for more info	Apply online for more info	See website for more information.	Everybody - home owners and tenants, whatever credit history. Including judgements, defaults and blacklisted individuals.	Yes
	Beagle finance offer both secured and unsecured loans, even those who have: been refused credit elsewhere, have had judgements and defaults or been blacklisted. Loans can be for under £250 up to £250,000 (if secured on a property.)
CUS4 Loans	On application	£200 to £15,000	12 Months	60 Months	We work with several leading Loan Specialists and send your application to one at a time, until your loan is approved. If you are approved by our first Loan Provider, then we won’t send your application to any others, which means the chances of having your application accepted, are far higher than if you were to approach just one lender.	Tenants, homeowners, self employed or bad credit history borrowers all suitable	No
	Cus4Loans can help you to find a loan provider whatever your circumstances - even if you have been turned down for a loan elsewhere or have credit problems. Both tenants and homeowners are welcome.