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

Get The Money You Need

Apply to Borrow £1000 to £25,000*



Apply for fast and secure online loans today

  • Apply For £ 50 – £ 1,000
  • Fast Payout
  • No Fees
  • Secure Appilcation
  • Available 24/7
  • Bad Credit


Getting a loan is never easy. Lenders want to be sure first that you can pay them back before they would consent to your loan request. This only becomes even more challenging when your credit rating is bad. More lenders are bound to close their doors on you because your credit history isn’t as spotless and they’d view you to be more of a risk.

A Quick Way To Get Cash

However, this doesn’t mean that you’d have to give up on the thought of you ever being able to borrow money. You’ll find that despite how unattractive a borrowing prospect you are to most lenders, there are ways for you to get your hands on extra cash when you need. You just need to know where to go and what to do to improve your chances. 

Start with friends and family. If they have some extra cash they’d be willing to lend to you, it is best to borrow from them than any financial institution. Most of the time, the term is flexible and more often than not. They won’t even charge any interest on the money you’re borrowing.

If you have been with your bank for a long time, they may be willing to lend you money through their personal loan facilities. Often unsecured, you may be able to borrow a larger sum depending on how much your present monthly income is. Since your credit score is not in very good standing, expect that the rates would be rather expensive and qualifying for the roan can be a bit difficult but it can be done.

Going For A Loan Even With Bad Credit

Lenders will generally be more willing to assist you when you offer security. A valuable asset on which the borrowing is secured against is bound to improve your loan approval chances. The same is true when you have a loan guarantor as you assure the lender that if there comes a point when you can no longer meet your loan obligations, the guarantor will take on your responsibility. 

If you can, it is always best to work on rebuilding your score. Lenders will always be happier to let you borrow money when they can see that there is effort exerted from your end especially where your payment behaviour goes. 

There are a number of reasons why you might want to take out a personal loan. From paying off debts to buying a car to even financing a wedding or a long-dreamed holiday, the flexibility of personal loans makes them a very popular lending choice for most of the borrowing public. 

However, getting approved for one is a different story. Oftentimes, banks and other traditional lenders have put in place some rather strict rules and processes that people need to qualify first before they can get access to personal loan funds.

Credit score

Personal loan providers will bank heavily on your credit score when deciding whether to give you the green light or not. They’ll have to perform credit checks to find out how well or not have you managed loans you’ve taken out in the past. This will, after all, give them an idea about what kind of borrower you will be. 

Loan amount

How much you’re borrowing will also factor into the decision-making process. Most borrowers would scrutinise your application more closely if you wish to get approved for a bigger amount. Lenders will want to make sure that you can afford the repayments. In this case, having the right documents to prove your income and the loan affordability will help you immensely. 

How to get approved fast

You might want to look past traditional lenders and high street banks if your goal is to get a personal loan fast. There are a number of online lenders that offer personal loans that can get a decision faster. Most online lenders can process loan applications within minutes and once approved can get the funds you need within the day or even less.

It would help if you find out ahead of time that they’re eligibility requirements are so you can determine beforehand if you qualify or not. Find out what supporting documents they need too so you can have it prepared and ready to include when submitting your loan application.

Get The Money You Need

Apply to Borrow £1000 to £25,000*