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Bad Credit Loans

Bad Credit Loans (2026)

Written by Paul — Head of Lending Research & Content

Poor credit history does not mean automatic rejection. Compare lenders who consider all credit backgrounds.

✓All lenders accept applicants with poor credit histories
✓Approval based on affordability — not just credit score
✓Free to compare — click directly to any lender to apply

Find your loan

How much do you want to borrow?

£1,000
£100£8,000

Showing 8 lenders that accept poor credit histories.

Compare Lenders

Lenders that meet our standards. One search.

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★ BEST RATE
118118 Money
118118 Money
Short-term loan⚡ 2–24 hours
Nudge Score
9
Rep APR
49.9%
Loan Range
£1,000–£8,000
Term
1–5 years
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £1,000 over 18 months. Rep APR 49.9%. Monthly repayment £68. Total repayable £1,224.
Drafty
Drafty
Short-term loan⚡ Minutes
Nudge Score
8
Rep APR
79.9%
Loan Range
£50–£3,000
Term
1–3 years
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 12 months. Rep APR 79.9%. Monthly repayment £53. Total repayable £636.
Creditspring
Creditspring
Short-term loan⚡ Same day
Nudge Score
8
Rep APR
83.1%
Loan Range
£400–£2,400
Term
6–12 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 12 months. Rep APR 83.1%. Monthly repayment £55. Total repayable £660.
Cashfloat
Cashfloat
Short-term loan⚡ Same day
Nudge Score
6
Rep APR
611.7%
Loan Range
£300–£1,500
Term
3–9 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £400 over 6 months. Rep APR 611.7%. Monthly repayment £105. Total repayable £630.
Money Platform
Money Platform
Short-term loan⚡ Instant
Nudge Score
6
Rep APR
839.2%
Loan Range
£250–£1,000
Term
3–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £300 over 3 months. Rep APR 839.2%. Monthly repayment £145. Total repayable £435.
Lending Stream
Lending Stream
Short-term loan⚡ 90 seconds
Nudge Score
5
Rep APR
1,271%
Loan Range
£50–£1,500
Term
4–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £300 over 6 months. Rep APR 1271%. Monthly repayment £107. Total repayable £642.
Moneyboat
Moneyboat
Short-term loan⚡ Same day
Nudge Score
5
Rep APR
1,267%
Loan Range
£200–£1,500
Term
3–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £400 over 6 months. Rep APR 1267%. Monthly repayment £143. Total repayable £858.
QuidMarket
QuidMarket
Short-term loan⚡ Same day
Nudge Score
4
Rep APR
1,299%
Loan Range
£300–£1,500
Term
3–12 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 6 months. Rep APR 1299%. Monthly repayment £182. Total repayable £1,092.

Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.

What is a bad credit loan?

A bad credit loan is a short-term loan designed for borrowers with poor or impaired credit histories. Lenders on this page assess your current affordability — your income, outgoings, and existing debts — rather than relying solely on your credit score.

Bad credit loans typically carry higher APRs than standard personal loans because lenders price in the additional risk. Always compare the total repayable amount — not just the monthly payment — before applying.

All lenders in our comparison are authorised and regulated by the Financial Conduct Authority. They must conduct affordability checks and treat customers fairly.

Refused Credit Guide →Am I Blacklisted? →Bad Credit No Guarantor →

Bad credit is not the end.

Compare lenders who accept all credit backgrounds. Free, no obligation, no impact to browse.

Compare bad credit loans →

FAQs

Frequently asked questions

Can I get a loan with bad credit?
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What credit score do I need to apply?
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Will applying affect my credit score?
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Can I get a bad credit loan with a CCJ?
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How can I improve my chances of approval?
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