Bad Credit Loans Online

Lending amounts of:  £100 – £25,000

Borrowing periods:  up to 5 years

Online Personal Loans For Bad Credit

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).

Online Loans For Poor Credit

Applying with is simple:

  • Step One - Apply

    Select the loan amount followed by the time period you need for one of these loans.

  • Step Two - Decision

    Once you’ve filled in our application form, submit your information to receive a decision from our online loan companies that cater for bad credit.

  • Step Three - Cash

    Once you have accepted the loan agreement, the money will be sent straight over to your bank account.

Welcome to our bad credit loans information page. Here, you can find everything you need to know about bad credit loans and how they might be able to help you! Please feel free to read through all of our information. If you do have any further questions, though, don’t hesitate to get in touch.

bad credit loans

Bad credit loans online instant decision

There are many companies that offer bad credit loans on the internet, so what sets us apart? Well, with Loan Bird, you’ll receive an instant decision at the end of your application.

When you’ve already spent your valuable time searching for the best rates and deals across the internet, it’s important for you to receive a quick response letting you know if you’ve been successful. As Loan Bird provide listings for 30+ lenders all under the same roof, you’ll receive multiple tailored loan options instantly.

Can anyone get an instant decision?

It’s easy to apply for a bad credit loan, most lenders will only take the information that they need to know. Such as your employment status, your income and your age. You do need to be a UK resident aged 18 or over in order to be eligible for any type of credit. You’ll also need to be employed, or at least be able to prove that you receive a regular income.

As long as you can show us that you meet the necessary criteria and that you can afford your monthly repayments, you will have a great chance of being instantly approved for your loan.

If, for whatever reason, you are unsuccessful in your application, don’t worry. We offer plenty of other lending alternatives that you may be eligible for, or that may be more suitable for your needs.

LoanBird will never add any additional charges. Our service is completely free to use, unlike other providers who may charge you to use their comparison tool or find you a loan.

You should never have to pay anything upfront when you take out a loan. This is regardless of how bad your credit score is.

Online loan companies for bad credit

Many of us have been refused credit by the likes of high street banks or other types of online loan companies for bad credit. This is usually due to existing poor credit or even if you have no credit history at all. Sometimes, you will be faced with a situation that may require the need for a short term loan. You shouldn’t let bad credit stand in the way of receiving financial support!

Lenders will primarily base their decisions on your credit score. If it’s particularly low, it will make it more likely that your application will be declined. Your credit score is usually affected by all sorts of things. However, bad credit can be caused by missed (or late) payments to your debtors (such as credit cards, mortgages or overdrafts), defaults and CCJs, or even by being refused for credit.

If you don’t have an excellent credit score, it can take endless hours of searching in order to find the financial support you might need. Plus, you might still face the worry of being rejected.

How can your lenders help?

Don’t worry; LoanBird is here to help you find the best possible deals, even if you don’t have the best credit history. Our free-to-use service will provide you with 24/7 access to a large group of lenders, all of who will consider anyone for a bad credit loan.

These UK lenders are available on our loan panel, so you know that they can be trusted. Most of our lenders specialise in a specific loan area, be it bad credit loans, payday loans or anything else. They will look at more than just your credit rating to provide you with financial support whenever you may need it.

Loans online instant approval

It’s difficult to guarantee a loan online with an instant approval, especially with so many variations of customers circumstances to consider. Most people are aware that if you have a bad credit rating, you might find that your borrowing options are very limited. This can leave you worried, frustrated and stressed, especially if there isn’t anyone else that you can turn to for help.

We’ve all likely found ourselves in certain situations where emergency funds are needed. For instance, maybe your car broke down, you had to take your pet to an out-of-hours vet or you’ve received an unexpected urgent bill.

It doesn’t matter if you don’t have an impeccable credit score. At LoanBird, we understand that people will need a loan even with bad credit. We’ve made it our mission to try and make sure that everyone has access to money when they need it most, regardless of what their credit score says.

Our bad credit loans aren’t any different to standard “good credit” loans, with a very similar repayment structure and application process. We have some of the best short term loans for bad credit, starting anywhere from £100 and larger loans up to £25,000. You can borrow over a total period of up to five years – whatever your needs are, we can help.

What to expect from

With over 30 lenders on our panel, there will always be plenty of choice to make sure that the loan you apply for will suit your circumstances.

All of your repayments and terms will be clearly displayed before you accept any of our offers, and lenders are obliged to assess your affordability before approving any applications. They will require your employment status, along with some information regarding your monthly income and expenditure.

If you are accepted for any one of our bad credit loans, it can not only provide you with quick access to funding, but can provide you with a reliable platform for you to begin rebuilding your credit score.

Usually, you’ll receive the money within the same day that you apply.

Do You Have a Bad Credit Mark on Your File?

Here’s a quick tip:

Don’t just accept that bad credit mark

Most of us use some kind of credit. Whether it’s a hire purchase, finance agreement or a credit card, borrowing money is extremely commonplace. The thing is that many people who regularly make use of credit don’t actually know whether they have a bad credit mark on their files or not.

It’s essential that you keep a close eye on your overall credit score and report. Especially if you’re a frequent user of credit.  Many services such as Experian, will send you monthly reminders and updates to make it as easy as possible for you to monitor your files.

If you’ve recently found out that you do have a ‘mark’ on your file, don’t worry. There are some things that you can do to try and remove or repair the mark – you don’t just have to accept it.

We all make mistakes from time to time, including your financial service providers. If you do notice an unfamiliar mark or a negative rating on your credit report, you should immediately contact the bank, lender or financier directly so that they can identify and rectify any potential issues. We’ll go into more detail further down the page.

Review your file now and again

It’s not as uncommon as you may think for a bad mark to appear on your credit file in error. Reference agencies have a lot of different information coming in from a lot of different people, so there will naturally be the occasional slip-up.

These errors are usually simple internal problems such as the agency receiving incorrect or out of date information. Or, even crossing over information between two separate people – that’s why it’s so important to regularly check your credit file!

When you review your credit file, analyse it thoroughly to ensure that every account listed does belong to you and that none of your other accounts are missing. You wouldn’t want a potential error affecting the chance of being accepted for credit further down the line. Remember, your financial future is important.

If you do identify any errors, try following these two steps:

1. Contact the credit reference agencies

The first thing we’d advise you to do is contact all four of the main credit reference agencies.Companies. These are – TransUnion (formerly Callcredit), Equifax, Experian and Crediva. Each of these organisations are regulated by the FCA, and they do have a legal duty to review any query you have under the Customer Credit Act.

Here’s what Experian has to say:

“When we receive your query we will handle this in accordance with your rights under the Consumer Credit Act. This means we will contact the Organisation who provided the data you are querying and let you know the outcome within 28 days. This is because in most circumstances we are not allowed to change information on your credit report without permission from the company who provided it to us.”

You can contact each agency in a few different ways. It’s best to find the ‘contact us’ page listed on their respective websites and follow the recommended pathway of communication. You’ll be able to find any information on how to make a general query or raise a dispute, allowing you to easily correct any mistakes on your file.

Experian have an address that you can write to, a number to call and a contact form on their website. The contact form offers the option of “errors on my credit report” which, when selected, will provide you with the opportunity to add any supporting notes.

Callcredit and Equifax offer an email address and an address which you can write to.

Whats the process with credit reference agencies?

Each agency will give a timescale advising how long it should take them to respond. So, take note of this and you can follow your query up if they are ever late with their response.

You’ll be able to find out more information on each CRA from their website. We’ve listed these below for quick, easy access.

Even though contacting them online is generally much more convenient, it might not always be the most effective approach. In some cases, it may be better to send a documented letter which details the specifics of the dispute and any supporting evidence that you have.

If you’re disputing a negative credit mark, you should send a detailed letter along with a document confirming that you did make a payment on time. This will highlight the error whilst providing, in no uncertain terms, proof that it should be removed from your credit file.

When sending any letter, you should aim to use a signed-for postal service. This will allow you to check for updates online, which might be especially important if you’re waiting for credit to be approved.

2. Contact your creditor/lender

As well as contacting the relevant CRA, it’s also extremely important to contact the creditor or lender directly. You can then determine whether the issue is an error on their end or not. All of your creditors will report to at least one of the CRAs, so it is possible that they sent incorrect information.

When you do get in touch with the bank, you should make them aware of the situation. Explain to them why you want to make a dispute, tell them about the mistake and why you believe it to be incorrect.

It’s best practice to send the same documents you sent to the reference agencies. They will support your dispute, and can provide the necessary evidence to remove any unwarranted marks on your credit file. Better yet – make sure that the lender includes you in any and all correspondence between themselves and the CRAs.

These issues can’t usually be solved overnight. It can take weeks, or even months for a lender to identify any problem. So, you should be persistent in your follow-ups; you made need to chase the problem up more than once.

Online loans for bad credit ratings

Are you struggling to get a loan with a bad credit mark? We actually have lenders who specifically offer loans for a bad credit rating. They consider all types of circumstances and specifically cater to look beyond poor credit. Why not try our service? It’s completely free and has absolutely no effect on your rating.

If you do take a loan out with one of our lenders, they may report to your credit file.

Loans Online Instant Approval

We don’t make any instant decisions on lending loans online nor do we offer credit to any of our customers. This is up to our lenders who are fully FCA authorised companies that can provide these loans nationally to the UK. is a licensed credit broker, not a UK loan lender.

Please be aware that some companies will try to charge a fee and will contact you directly for your information. If you are unaware of where the company is calling from, we would highly advise that you don’t give your personal details over the phone. We supply our service online only and is free for all to use. You will never receive a call from us to discuss your loan or to request more information.

Our lenders will usually need to contact you once you have applied for a bad credit loan.

Our software provides you quick online loans for bad credit:

Soft search only

Access our quick online loans for bad credit with no credit footprint.

Flexible Borrowing terms

We have many options to offer, for all types of circumstances.

Online Only

Quick service and response time.

No Cold calling

We work online only, so no need for us to contact you.

Our service is free

No hidden charges with us.

same day deposits

Our customers love how quick the service is.

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).

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

Click to Hide Advanced Floating Content

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.