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Small Loan Bad Credit

Get UK lender offers of small loans for bad credit in minutes using LoanBird’s 3-step process. Here’s how:

Rates from 12.9% APR to 1625.5% APR. The Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

Discover Small Loans for Bad Credit Offers with LoanBird

  • Step One - Apply

    Complete our short online application form and provide us with a few details of the loan you require. This takes just minutes to complete.

  • Step Two - Decision

    You’ll be shown your lender offers of small loans for bad credit from our panel of UK lenders. Browse and choose the right one for you.

  • Step Three - Cash

    If approved, your loan amount will be transferred to your bank account the same day, within 10 minutes of approval.

We understand that financial hurdles are part of life, especially if you’re someone with a history of bad credit. That’s why we can help you discover small loans for bad credit that match what you can afford when you need to borrow a small amount to cover a short-term expense.

With just a few details about you, our panel of FCA-authorised direct lenders can match an affordable loan to your circumstances, helping you find a solution in minutes. We do not require you to have a perfect credit history and it’s free to use our platform, so if you have the affordability for the repayments you need, we can offer a small loan for bad credit that can help you get back on track. Find out more about our bad credit loans and how it works below, and get a quote today on bad credit small loans.

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Why Choose LoanBird to Find Small Loans for Bad Credit?

Simple and fast online application

Find small loans for bad credit up to £5,000

Apply online from anywhere on any device

Get an instant decision with our small loans for bad credit finder

Choose from payday loans, personal loans, bad credit loans and more

Discover loans with no credit check needed to apply

Over 30 FCA authorised UK lenders of small loans for bad credit

Instant small loans for bad credit available the same day

Get cash in your account 10 minutes after approval

No brokerage fees – completely FREE to use!

Can I Get A Small Loan With Bad Credit?

At LoanBird, we believe that a less-than-perfect credit history shouldn’t be a barrier to financial support. We understand that past financial difficulties can affect anyone, which is why our broker service is tailored to help you find small loans for bad credit suited to your current financial situation.

Using a smart lending panel that comprises over 30 FCA-authorised direct lenders in the UK, we aim to increase your chances of approval by focusing on your current ability to repay, rather than dwelling on your credit history. This approach differs from other lenders and allows us to offer financial support to those who have been previously turned away by traditional banks and lenders due to their credit scores. We can offer options like emergency loans for bad credit for this very reason – if it’s affordable for you and we can determine this, we’ll help you find a lender ready to help today.

Our small loan bad credit matching process improves your chances of securing a loan that’s just right for you. This means that even if your credit history has been up and down in recent years, you still have a better chance of finding a loan that can match your needs without further complicating your financial situation. Just tell us how much you want to borrow and how long for, and we’ll do the rest, providing a quick solution to comparing multiple lender offers in one place.

Whether you need to find affordable payday loans with bad credit to cover an urgent expense or an instalment loan with flexible payments to spread over a few months, we’re here to help you through the process of obtaining a small loan for bad credit.

Requirements to use LoanBird to find UK Lender Offers

To start seeing your lender offers today, you will need to meet the following eligibility requirements. Whilst you may have a poor credit history, we can help find lenders willing to help provide a small cash or payday loan. You’ll need to be:

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.


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


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


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

What Can I Use My Small Loan For Bad Credit For?

If you need a small loan for bad credit, there could be numerous situations why that could be. Everyone is unique, so our customers have been able to secure instalment loans with bad credit for a number of different reasons. Here are just some of the circumstances bad credit small loans could help you:

  • Emergency Expenses – Life is unpredictable. From urgent car repairs to unexpected medical bills, a small loan for bad credit can provide the necessary funds to cover these unforeseen costs without delay.
  • Urgent Home Repairs – Whether it’s repairing a leaky roof or upgrading your heating system, a small loan for bad credit can help you restore your home quickly.
  • Faulty Items – Sometimes, you need to replace a broken appliance or buy essential technology for work or study. A small loan can help you make these significant purchases sooner rather than later.

Our small loans offer flexibility, but it’s important to consider how you will repay before taking on any new agreement. We follow responsible lending guidelines as do our panel of FCA-authorised lenders to ensure the loan you choose is suitable for your financial circumstances.

LoanBird informing customers of small loans for bad credit

The Benefits of Using LoanBird

Choosing LoanBird for your small loan needs, especially when you have bad credit, offers numerous advantages. Our platform is designed to make your loan application process as smooth and beneficial as possible:

  • Quick and easy online application – apply in minutes
  • Find small loans for bad credit from £100 up to £5,000
  • Apply for bad credit small loans online from anywhere, 24/7
  • Get an instant decision with our small loans for bad credit finder
  • Choose from short term loans, guarantor loans, instalment loans and more
  • Find small loans for bad credit with no credit check required
  • Over 30 FCA-authorised direct lenders in the UK
  • Fast approval, same day loans available
  • Get cash in your account 10 minutes after approval
  • No brokerage fees – it’s completely FREE to use our platform!

How To Apply For Small Loan With Bad Credit

Applying for a small loan with bad credit through LoanBird couldn’t be simpler with our 3-step process. Our platform is designed to connect you with the financial support you need without too many obstacles, so here’s a step-by-step guide to our application process:

  1. Start Your Application – Click on Apply Now and use our easy application form to provide a few details about you. Tell us how much you want to borrow today between £100 – £5,000, and how long you want your repayments to be for your small loan for bad credit, between 1 – 36 months.
  2. Review Your Loan Offers – Once you submit your application, our platform will quickly match you with loan offers from our panel of over 30 FCA-authorised direct lenders tailored to your financial situation. This process takes just minutes, and you’ll get an instant decision.
  3. Receive Your Funds – Once you’ve chosen the loan lender you want to continue with and accepted the terms, the funds can be transferred to your bank account fast, sometimes within 10 minutes of approval. The exact time to receive your funds can vary depending on your bank and the lender’s processing times.

Throughout the entire process, our team is available to assist you with any questions you may have. With no fees and a commitment to transparency, applying for a small loan with bad credit using LoanBird is a smart choice.

Ready to see your lender offers? Simply click apply now to get started and get a quick decision today.

Bad Credit Small Loan FAQs

Using our FREE platform doesn’t involve a credit check to match you with suitable loan offers, so your credit score won’t be impacted when using LoanBird. However, if you proceed with a loan application from one of the lender offers, they may perform necessary credit checks to check your eligibility and credit history.

We keep this straightforward so that we can help as many people as we can find suitable bad credit small loans. To apply, you must be at least 18 years old, a current resident of the UK, and have a regular source of income. You’ll also need a bank account with a valid debit card, and you must be able to afford and sustain the repayments you choose.

Many of the lenders on our panel offer fast approval and can transfer funds to your account as quickly as 10 minutes after approval. The actual time it takes to receive your money can vary depending on your bank and the lender’s processing times, but they will always aim to transfer the funds the same day.

Yes, if you can afford to repay your loan early, all you have to do is contact the lender directly. You may be expected to pay an early repayment fee, so we recommend checking the specific terms and conditions of your loan agreement for details on early repayment policies with the lender.

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