CAUTION: will never ask for any up front fees for loans. Fraudsters are pretending to be us – do not send them money.

*Searching for Online Loans… We could save you time and money*

Our Service Is FREE To Use!

(Subject to lender requirements and approval)

We Can Provide Quick Loans From £100 – £25,000*

We Search Multiple Lenders

No Impact on Your Credit Score

Open 24 Hours, 7 Days a Week

Safe & Secure Website

Representative APR: 279.5% | Representative Example: Loan Amount: £300 | Borrowed for 60 days | Total Repayment: £420.82 in 2 monthly installments of £210.41 | Interest Charged: £120.82, interest rate 120.8% pa (Variable)

Warning: Late repayment can cause serious money problems. For help, visit Our site uses cookies to provide a better experience, see our cookies for more info.

Bad Credit Loans

Short Term Loans

Guarantor Loans

Personal Loans

We are a licenced credit broker, not a lender. does not provide loans or consumer credit products directly.

Step 1 - Application

Select which one of our loans you want, click the ‘Apply Now’ button and proceed to fill out one of our online application forms.

Step 2 - Decision

Once you’ve submitted all your information you will receive a quick decision.
If approved the terms of your loan will be clearly outlined from the offset, so you can check everything before you accept.

Step 3 - Cash

Finally, once you have accepted the loan, we will send the money straight to your bank account. Most customers receive the cash on the same day, within 10 minutes.

What our quick loans service has to offer…

short term loans image with a piggy bank and money

Short Term Loans

Similar to payday loans, short term loans can provide assistance to any urgent financial matters. However, they facilitate a longer borrowing period so you have more time to pay your loan back. If you are in need of some quick cash, a short-term loan could be the answer.

*A payday loan provides a short term financial solution, this should not be used as a long term solution.

Please click the tab below to learn more about our short term loans and payday loans.

  • Available lending amounts of: £100 – £2,000
  • Borrowing periods of: 1 – 12 months
home in hand image for personal loans

Personal Loans

Personal loans are applied for every year by millions of customers. They can help to cover larger finances, like a new car, a family holiday or to consolidate debt into one payment.

As the value of a personal loan is normally greater than a short term loan, repayments can be stretched over a longer time period to suit your affordability. Click the tab below to learn more about this loan option.

  • Lending amounts up to £25,000.
  • Loan terms: up to 5 years.
light bulb image for bad credit loans

Bad Credit Loans

We realise that not everyone has a perfect credit rating. A lot of people who have bad credit can afford a loan but find it difficult to get one. Some companies will only accept loan applications with the best criteria. That’s why we choose to work with lenders that look beyond your credit score.

Our lenders can offer quick online loans for bad credit, see the tab below for more information. 

We have providers lending amounts of up to £25,000, with the choice of borrowing periods of up to 5 years.

Learn more about online loans

Is a payday loan right for you?

Sometimes, you need a bit of extra cash. Unexpected bills are just that – unexpected, and we can’t always make sure that we’re prepared.

These quick cash loans online can really help out when you need money the most. Short term cash advances are designed to be paid back by your next payday to ensure that you’re always covered when you need to be.

What is a payday loan?

Payday loans are a very quick, short term solution. On average, you’ll receive your loan within 10 minutes, which can seem like a blessing at the time. Most lenders will allow you to borrow up to £2000 as well, which could really make a difference in an emergency.

Whilst these types of loans are usually considered to be short term, with the aim to have them paid off within 1-2 months, longer term payment plans of up to 12 months can also be agreed.

Interest rates

A payday loan could be exactly what you’re looking for. Perhaps you’ve received an urgent invoice that needs to be paid today, and you simply don’t have the cash available.

One thing to consider before you apply for a payday loan, though, is the interest rate. These types of credit often have a much higher rate of interest than other forms of credit. Such as a bank loan or a credit card, though you’re much more likely to get accepted for a payday loan, even with bad credit.

How to apply

It’s very easy to apply for payday loans, with most providers allowing you to simply apply online. Some providers do also have outlets or stores that you can use to apply in person!

When you apply for a payday loan, the lender will take your information. This will range from your date of birth and address, up to your employment information – including your salary.

This information will be used to work out whether you’ll be accepted for a loan, and if so, for how much. Once you’ve been accepted, the funds will be paid directly into your bank account, usually on the same day.

Paying it back

Your repayment terms will be based on the information that you provided at the application. You’ll be able to choose a maximum repayment term, though you should keep in mind that the longer you take to pay your loan off, the more you’ll end up paying over time due to the interest.

Your repayments are likely to be a portion of your total monthly pay if you can’t pay the loan back by your next paycheck. As this type of credit should be used to tide you over until you get paid, you should always aim to pay in full within a month where possible.

It is important to remember that payday loans are exclusively for short term lending. They should not be considered for longer term borrowing, and are strictly an immediate solution.

Different lenders will offer different ways to pay them back. Most will request a regular payment such as a direct debit, or a recurring visa purchase. This allows them to debit the money each month, directly from your account. Whilst this may seem convenient, you may prefer to pay online with a card.

It’s helpful to note that you’re locked into a 14 day ‘cooling off’ period with the lender. This means that you can cancel your agreement at any time within the first 14 days, though you will still need to pay back all the money you borrowed, along with any interest incurred up until the cancellation.

What can a payday loan be used for?

There are many different reasons why someone may need to take out a short term loan. Most commonly, it’s due to an unexpected and urgent bill.

Maybe your car broke down recently, and you need to pay for it to be repaired to prevent loss of earnings. Perhaps you’ve recently gone over your overdraft limit, and are incurring excessive charges?

Another common reason someone might take out a payday loan is to pay for an urgent medical or care bill.

Why choose Loan Bird?

With such a sheer amount of lenders, all claiming to offer the best payday loan, how can you make sure that you’re getting the best deal?

Well, Loan Bird is a credit broker designed to help you find the best deals online, and is completely free to use.

Loan Bird will search multiple lenders, to save you from doing the hard work. If you’ve decided that a payday loan is what you’re looking for, then feel free to apply.

Can a personal loan help you? 

A personal loan is one of the most common types of borrowing in the UK, with over £100 Billion being loaned every year.

Personal loans are unsecured, meaning that the lender will not ‘secure’ the loan over one of your possessions of a similar value. This makes it an excellent choice for unexpected large purchases, such as vehicles or house repairs.

A personal loan (in a nutshell)

When you apply for a personal loan, high street banks will often ask the applicant for a reason. This is used along with your credit report, to work out whether you will be accepted for the requested amount.

A personal loan is a great idea for those who need to borrow a large amount of money (up to £25,000). Also, they generally offer lower interest rates with repayment terms of up to 5 years.

Benefits over other types of lending

Personal loans offer some of the lowest interest rates over any other available advances, as they are often the lowest risk.

This type of borrowing also offers the most amount of flexibility over repayment terms. Whilst you will be expected to make a monthly repayment, lenders will allow flexible terms over your due date. Also, they will sometimes let you amend your due amount if your financial situation changes. It is important to note that this varies from lender to lender, so you should always understand exactly what is expected of you.

Another benefit of a personal loan is the amount that you may be eligible to borrow. As short term loans must be paid back within a short amount of time, the amount you can borrow is generally much lower than what might be available with a personal loan.

As a personal loan is available over 5 years, a £25,000 loan becomes much more feasible.

Credit file

Due to the nature of personal loans, you will be subject to a credit check. Your credit history will be taken into consideration, and will affect the amount you can borrow. This can also have an impact on the interest rates that are offered.

High street banks will offer the strictest criteria when considering you for credit, which is why you might consider applying through a credit broker such as Loan Bird

Loan Bird will find the best lenders with the best details to ensure that you find the best deal.


Personal loans will offer the lowest interest rates of most types of credit. Your interest rate will be based on different factors, so there will never be a ‘set’ amount of interest that you will need to pay.

The interest rates can range from 3.1%APR to 71.3%APR. This depends on your credit history, the amount you’re borrowing, and the length of time of your loan.

When you apply through Loan Bird, you’ll be offered multiple products. So, you can decide for yourself what the most suitable course of action will be.


Many people choose long term personal loans over a short term loan. This is due to the fact that your monthly repayments will be significantly lower.

This is especially convenient for people who have high monthly expenses, as it can better regulate your monthly outgoings and ensure that you can comfortably make your payment.

Your repayment schedule will be agreed at the start of the borrowing period. Plus in most cases, a direct debit will be set up. The direct debit will automatically take your payment on a set due date every month. This will include the loan repayment as well as the added interest.


There are so many lenders currently offering personal loans, that it might be difficult for you to find the most appropriate offer.

As a trusted credit broker, Loan Bird will find every lender offering the best deals. When you make an application, the service will be catered to you, to make sure that your needs are met.

If you have a large purchase that you need to make, such as a new car or a home improvement, a personal loan could be what you’re looking for.

Do you need a no credit check loan?

Perhaps you don’t have a reliable credit score, or perhaps you’ve recently been declined for multiple loans with other creditors.

A no credit check loan is a type of loan in which a lender will not carry out a hard credit check. This makes it a good borrowing alternative to those who may have a poor credit score, a limited credit history, or people who are worried about a mark being left on their credit file.

What exactly is a no credit check loan?

To put simply, a no credit check loan is just that: a loan paid to an individual, without a ‘hard’ credit check being completed.

Truthfully, lenders should be completing a ‘soft’ check on your credit file, to gauge the lending risk and make a decision on whether to accept you as a borrower – if you’re not initially approved, it will NOT affect your credit report.

A no credit check loan will only ever show on your credit file once you’ve been accepted. This means that your repayments are still tracked for future creditors to see, and it can provide you with an outlet to start building up a lower credit score.

Credit checks

A credit check will be completed by any regulated lender before you are considered for any type of online loan.

This is when a creditor will use a credit reference agency to view your credit report. Basically, this will give them access to see your credit score, and your repayment history. Any amount of money borrowed, along with any defaulted payments from the last 6 years will also be shown on your credit file.

There are two particular types of credit checks: a hard check, and a soft check.

The only difference between these is that a hard credit check will leave a mark on your credit file.

This shows that your file has been accessed, and will also detail whether you’ve been approved or denied for a loan. A soft check will NOT leave a mark, though it may not be able to provide as much information as a hard check would.

Any declined applications may affect your credit score negatively, decreasing the likelihood of being approved for a loan in the future.

Who might need one?

A no credit check loan would mainly appeal to people with poor or limited credit histories. The most common type of applicant will be someone who has recently been declined multiple times for loans from different lenders.

A no credit check loan can be very beneficial to someone who may not be eligible to receive credit from high street banks or hire-purchase agreements, as it allows quick access to funds with minimal effect on their credit file.

Interest rates

As the risk of lending cannot be accurately attained, the interest rates applied to a no credit loan may be considerably higher than guarantor loans or personal loans.

Your interest rate will be worked out based on the soft check – as this will not show a completely full or accurate credit history, the lender will perceive a no credit check loan to be a higher risk to them.

No credit check loans have similar interest rates to payday loans, often between 150%APR – 200%APR.


The repayment schedule varies from loan to loan. A no credit check loan is exclusively a short term advance, though agreements can be made to make monthly repayments. These are not usually recommended due to the balance increase associated with high interest rates.

A no credit check loan is often treated as a type of payday loan, with the full balance being repaid within one month.

Paying off a high interest loan quickly will decrease the total amount you have to pay, as there is less time for the interest to add to the balance.


Applying for a no credit check loan can be very overwhelming due to the amount of different creditors, and the different options available. Some creditors aren’t always clear whether you’ll be applying for a payday loan, or a no credit check loan.

Loan Bird have taken that challenge away, and will allow you to easily apply online for whichever loan you think is right for you.

If you’d like to go ahead with a no credit check loan, Loan Bird have searched the best deals from the most reliable lenders.

Bad Credit Loans Online: what are they, and are they right for you?

Life has crept up on all of us at one point or another. It becomes increasingly harder to accurately monitor your finances, let alone your credit file.

The thing is, that any potential lending is based on your credit history. A low credit score can leave you feeling threatened, especially if you need to borrow money.

So what longer-term options are available to those of us that do have bad credit?

Many lenders now offer bad credit loans online, which are usually a lower value loan or credit card. Most people tend to apply for short term loans with bad credit when they need urgent access to funds, or if they’re looking to build up a credit score.

Your Credit Score

Your credit score impacts any lending you may be entitled to, whether that’s a credit card, mortgage or even a phone contract. It is based on your credit history, so any money you’ve ever borrowed will be factored in, along with how you’ve made your repayments.

Your credit score will be significantly higher if you make your payments on time, and if you can show that you can reliably pay a longer term loan, such as a credit card.

If you miss payments or default on your bills, this will reflect negatively on your credit report.

A higher credit score makes you more likely to be eligible for higher loans at better interest rates.

What is a bad credit loan?

A bad credit loan is a type of borrowing, designed for those who don’t have the best credit score. It can be extremely useful, as it can be one of the only types of borrowing available in those circumstances, and is made to be paid in installments, rather than in one lump sum.

A credit score can be rebuilt, and a bad credit loan is the perfect place to start.

How is a bad credit loan useful?

One of the most attractive benefits of a bad credit loan is that it can be taken out by someone with bad credit or a minimal credit history, and can be used as a starting point to build better credit reports.

Higher scores allow access to higher loan amounts, at significantly lower interest rates. This means that someone who is looking at taking out a mortgage, but is worried about being rejected due to bad (or no) credit, has a stepping stone to begin building a better report.

There are all sorts of reasons that someone might need to take out a loan, from an unexpected bill, to buying a new car. It’s also not entirely uncommon for some people to take out a loan for no reason other than to build up a decent, reliable and consistent credit history.

Interest Rates

Your interest rate will be higher than the majority of personal bank loans, as these types of advances are offered by smaller, private companies. It is also a necessary cost for most companies you can borrow from, as a bad credit loan can be considered high risk to a lender.

The interest rate offered will be based on your current credit score, and the company that you borrow from – loans are generally within the range of 15-25% APR.

It is important to note that as your score increases, your interest rate is likely to decrease.


Unlike a payday loan, monthly repayments on an ongoing basis are encouraged with a bad credit loan. Loan Bird offers borrowing of up to £25,000, with a repayment time of up to 5 years.

Your repayments will be calculated based on how much you borrow, and how long you’d like to pay it back.

Just remember, the longer a loan period is, the more you will end up paying due to the interest.

One of the best ways to improve your credit file is by making regular repayments, so always make sure that you pay your due amount by your due date, and you’ll start seeing results in no time!

Who offers them, and how can I apply?

A multitude of creditors will offer a bad credit loan. Often, these won’t be high street banks, but independent creditors.

It can be extremely overwhelming to try and find the right deal, which is why Loan Bird offer a convenient search tool. A reliable credit broker, Loan Bird will scour the best current deals to find out what you may be immediately eligible for.

If you want to start working your way up from a bad credit score, feel free to apply online.

What is a guarantor loan, and should you have one?

A guarantor loan is a specialty type of loan, in which a financially stable second party agrees to guarantee that any and all repayments are made.

Guarantor loans supply a fantastic way for people with a poor credit history, or maybe even no credit history, to begin building up their credit score. This type of lending is unsecured, so if the applicant defaults on any payment, the next course of action is that the signatory pays the outstanding amount.

What is a guarantor?

A guarantor is a second party that signs the payment contract, agreeing to cover any defaulted payments over the course of the loan repayment period. Typically, a guarantor might be a parent, relative or partner, due to the requirements that are often needed.

To be accepted as an ‘appropriate’ guarantor, there is usually an earning threshold which must be met. This will show the lender that the means to make all repayments are present.

Why choose a guarantor loan?

Guarantor loans are a fantastic way for younger people to build credit. As a younger person may have a very limited credit history, high street banks could refuse a personal loan. Any loan you would be eligible for would usually be either a very low amount, or have a very high interest rate.

If a guarantor is present to agree that all payments will be met by the due date, there is a considerable reduction in risk to the lender. As the loan is still a type of credit, as long as the payments are made in full and on time, it will impact your credit file in a positive way.

A guarantor loan may also be an ideal choice for someone with poor credit, but a strong support network. Guarantor loans are usually a better alternative to bad credit loans, as the interest rate is often lower.


Applying for a guarantor loan has never been easier.

Rather than searching the internet for the best deals, you can apply directly through Loan Bird. We’ve scoured the internet to search for the best rates, and you can borrow up to £25,000.

Most people view this lending option as a larger borrowing tool. However, we have lenders who specifically deal with short term guarantor loans.

So, If you’ve decided to start building up your credit score, and think a guarantor loan is right for you, you can apply right here.

Is a short term loan right for you?

Do you need to borrow a smaller amount of money that you know you can pay back quickly? Maybe you’re concerned at the amount of interest you’ll pay with a longer term loan. Or perhaps you need money but don’t like the idea of being in debt.

A short term loan might be what you’re looking for. If you know that you can pay back the borrowed amount within a year, then you may consider applying for a short term loan.

Short term loans

A short term loan is exactly that. A financial loan that you agree to pay back within a shorter amount of time than other types of loan.

Whereas payday loans and no credit check loans are also designed as a short term solution, the interest can often add up.

A short term loan is beneficial for those who might need to borrow more than a payday loan would permit. Or for instance if a payment term longer than one month is necessary. They are also a fantastic option if you need more flexibility over your monthly repayments.

Why you might need a short term loan

If you’ve had a sudden bill, or an urgent payment that needs to be made, you may consider applying.

Whilst payday loans are often considered as a type of short loan, they are designed to be paid in full by your next payday. This might not always be possible, but if you know that you can commit to a regular monthly payment to clear the balance within a short amount of time (longer than a month), a short term loan may be a better solution.

How ‘short term’ is it?

Lenders will usually classify short term as ‘within 12 months’. Your repayment period can be anywhere up to 1 year. Though different lenders may offer loans of differing lengths.

It is important to note that if you are eligible for a short term loan, though you know you’ll struggle to clear the balance within a year, that you might be better with a personal loan.


As you are borrowing for a longer amount of time that you would be with a payday loan, your interest rate will be significantly lower.

A short term loan will offer a higher interest rate than a personal loan, as it is designed to be paid back within a shorter amount of time.

Short term loans VS payday loans

On paper, short term loans and payday loans are near identical. The only real differences are the interest rates and loan duration.

A short term loan can often cost less than a payday loan in interest, and is generally much more flexible with the repayments.

If you don’t want to stretch yourself in order to commit to a payday loan repayment, a short term loan may be the best option for you.


Repayments on a short term loan are most similar to repayments on a personal loan. If you are accepted, then you would usually agree a direct debit with the provider for your monthly payment to be taken on a certain day of each month.

The payment will be based on the amount of the loan and the length of time agreed with the lender. If you agree a £300 loan over a three month period, for example, you might end up paying £100 (plus interest) once a month, until the loan amount has been cleared.

Different lenders will offer you different payment terms, so it is important to understand exactly how you are expected to pay your loan and by when.


There are more lenders than ever, which makes it increasingly harder to find the right product for you.

You can save yourself the time and effort of searching through countless lenders for the best deal, and apply directly through Loan Bird.

Loan Bird have done the hard work so you don’t have to. All you need to do is fill your details in, complete with how much you want to borrow, and Loan Bird will find the best deal for you.

If you want a short term advance that you know you can pay back within 12 months, you can apply online with us.

Note: We also have lenders who offer Guarantor Loans Online. So, if you’re in a situation where you can’t obtain a loan directly this could be a suitable option. Firstly, find a loan guarantor, then apply online with us and we will do our best to supply some options.

solo loan bird for home page at your service!

Do all lenders offer a quick loans service?

It all depends on your personal circumstances really. Each lender will want to work as quickly as they can in order to deposit your loan. All of the providers we work with try to stick to a same day policy. 

However, our service represents an intelligent lending model providing various alternatives for loans in the UK. also offers a variety of lenders to provide more choice and quicker results for each visitor. Our platform is used by thousands of savvy customers daily, assisting them with a quick tap and go system for some borrowing options.

Can our lenders provide guaranteed online loans?

It’s very difficult for lenders to offer guaranteed online loans. However, we aim to do our best!

In seconds we offer instant access to a number of loan options no matter what your credit score is. Our application process is straightforward and the panel of lenders we use offer flexible options and payment terms. All customers have FREE access to the vast majority of UK based loan providers.

We hope you find our website easy enough to use. The application form is accessible to anyone over eighteen and is pretty time effective. Be aware that some competitors may charge fees, we don’t charge any fees for our service and we strictly operate online only. Loanbird never calls customers to discuss their application or to require any personal information.

Customers are always at the core of our attention and we believe highly in treating the customer fairly at all times. Loanbird is a fully FCA regulated broker who operates with an open door policy for all customers.

If you have any queries or need assistance in any way, fill out one of our contact us forms.

Bad credit loans direct lender

Rule of thumb – when you are searching through the heavily populated market of loans don’t jump towards the first company you see. Ask yourself questions.

For example, can this direct lender offer bad credit loans with no guarantor and no credit check? Typically, any lender you decide to give your custom to will check your credit status. However, most brokers won’t need to check your credit health, which is a good way of you understanding your options before you agree to any contract.

In short try not to settle for the easy options, it pays to do your homework.

Customer Information

Implications of Non-Payment

We always recommend that you repay your loan on time. If you are unable to pay on time, each lender has their own policies with regards to fees and interest. It is up to your loan provider to decide how they collect any of your outstanding debts. The majority will look to contact you by telephone or letter so they can rearrange your payment. Late or non-payment may result in a negative impact on your credit score which may affect your ability to obtain credit in the future. If you are concerned that you’ll be unable to repay what you owe then you should contact your lender immediately.

Late Payment

Please contact your lender If you’re ever in a situation where you can’t meet your repayment date. If you will be able to make the payment at a later date then you must also contact your lender to discuss this. Failure to contact them could result in a higher fee or charge which can be costly. Late payment fees will vary from lender to lender. For more information on the Late Payment policy of your lender see the terms and conditions of your loan agreement.

Collections Process

If you’re having problems making any payments please contact your lender so that they can look at your payment options. If the situation remains unresolved your lender may have the right to pass your details onto a third party collections agency. Please see your terms and conditions regarding the exact process your lender will follow in the event of any unpaid loans.

Renewal Policy

If you wish to renew your loan you should discuss this with your lender. does not promote the renewal of any loan policies. If you feel that you can’t afford to repay a loan, we would suggest that you do not take one out. For more information about your lender’s processes and policies regarding non-payment, please refer to the terms and conditions of your loan agreement.

Note: Are you considering the route of consolidation on any existing borrowing? Please be aware that this could result in repaying a higher rate of interest. Also, it can extend your terms of debt therefore increasing the total amount you pay. 


You can access all our loans quickly if you:

are 18 or older

The minimun age to use our service is 18.

live in the UK

Must be a current resident of the United Kingdom.

have a Bank Account

You need an active UK bank account to allow the money to be transferred to you.

can afford to meet the monthly payments

Only take out a loan if you can afford to meet the monthly payments.

have a regular income

You must have a monthly income to show you can afford repayments.

Need Some Quick Cash

Online loans are one of the most efficient ways of borrowing.

Always a Quick Decision with Loan Bird

We search. You save time.

You’re Safe with Loan Bird

  • Fully FCA authorised credit broker
  • Reputable UK lenders
  • Service is free
  • You’re in control throughout the process
  • No pressure sales tactics
  • Your information is secure
  • Secure website
  • No cold calling
  • Best APR & Interest rates
  • No obligation offers
  • Terms are displayed before you accept

Application > Decision > Cash

Are you searching for a loan service provider that can offer you something different? If so, you are in the right place. We can search multiple lenders for you in minutes. All it takes is three easy steps and we could have some suitable options available to you.

Service satisfaction is a huge part of Loan Birds day to day work ethic. We put a daily graft in to make sure our website delivers an express service for each visiting customer. One of our main aims is to always try to provide you with an immediate decision on your loan, even if you are unsuccessful.

Our loan providers welcome all credit histories. So, apply with us today to see if we can help you find the right loan.

Our website is completely free for you to use, but we may receive a commission or fee from some of the companies we feature or introduce you too. is a registered Trading Name of RJW Assist LTD. RJW Assist LTD is registered in England and Wales (Company number: 09470548). Registered Address: Brook House, 40 Cuthbert Road, Stockport, Manchester, SK8 2DT. Licenced by the Information Commissioners Office: registration number: ZA436430. RJW Assist LTD is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under the reference number: 788094. We are a licenced credit broker, not a lender. does not provide any loan or consumer credit products directly.

Timescales on receiving your funds may vary from lender to lender and depends if your bank accepts faster payments. The loan amount and interest rate offered is subject to the lender’s requirements and approval.

Warning: Late repayment can cause serious money problems. For help, visit