Small Loans for Bad Credit

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

Representative APR: 49.9% | Representative Example: Loan Amount: £1,000 over 12 months at £107.53 per month. Total Repayment: £1,290.36 | Interest: £290.36. Interest rate: 49.9% p.a. Fixed*.

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.

How to use LoanBird to Find Suitable Small Loans for Bad Credit

Searching for small loans to cover a short term financial issue, you may have found it difficult with a bad credit history. Many traditional lenders may require applicants to have a good level of credit, even if they can afford the loan repayments. As we know that the unexpected can happen at any point, you may need to resolve a financial emergency such as a car repair bill or other urgent expenses, quickly. If you are not sure where to turn, our FREE to use platform at LoanBird can help. If you need a loan between £100 – £5,000 and you need cash the same day, we can show you UK lenders who are willing to help.

Our platform has been designed to work simply and effectively, showing you lender offers of small loans for bad credit that can be ideal for you. Save yourself both time and effort by using our platform and seeing multiple lender offers in one place, rather than searching individually online. You can choose flexible repayments of up to 36 months too, helping you find short term payday loans for bad credit with ease. Ready to see which of our panel of lenders can help you today? Click apply now and start your application that will take just minutes to complete. Our platform is FREE to use 24/7 and we do not conduct any credit checks to see your lender offers. There’s also no obligation to continue with a lenders offer, so if you decide to change your mind, that’s okay too.

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!

How to Choose the Best Small Loans for Bad Credit For You

We know that when you have a bill to resolve quickly, you want to find a lender, apply, and receive the cash as soon as possible. In situations where you do not have emergency savings to help, or you are in between paydays, getting the cash together might be a struggle. We understand this and that with many different loan options available online, you may be overwhelmed by choice. If this sounds familiar and you’d rather have a fast option that streamlines this time-consuming process, our platform is an innovative solution. At LoanBird, what could take possibly hours doing manually is achieved in minutes, all with one application to complete.

Each of the UK direct loan lenders on our panel is authorised by the Financial Conduct Authority (FCA). This means they are a trusted and reliable source of lending and will work to responsible lending guidelines. This ensures your details will stay secure and safe online, and they will fairly assess your application, even if you have a bad credit history. We welcome applicants with varying credit histories to use the FREE LoanBird platform to search for small loans for bad credit, 24/7 whenever you need us.

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.

If you can meet the above requirements, you’ll be able to see multiple lender offers that will provide the small loans for bad credit you are looking for. As we are credit brokers and not a direct lender, at LoanBird we cannot provide loan approval ourselves. Our platform will show you lender offers, and once you have chosen an option to apply for, you will be subject to credit and affordability checks. Using our platform requires no credit checks, however, the lender may perform these and check you can afford the loan by accessing your credit history. This should not take long to do, meaning if approved, you should receive the funds the same day.

Apply Now & Discover Small Loans for Bad Credit Ideal For You

Whatever the reason you require a small cash loan, at LoanBird we are ready to help you find a suitable offer. If you want to discover your loan options today, just click apply now see in minutes which of or UK panel of lenders can help. Take your time to browse your options, as each lender offer may provide something different. Not all will be able to provide the exact terms you seek, but you can check the full details of the loan and make an informed decision before proceeding.

Have any questions? Please contact the LoanBird team today, or browse our website for more helpful information about us and the service we offer.

Small Loans for Bad Credit FAQs

How Can I Get a Small Loan with Bad Credit?

It’s simple to find your loan offers using LoanBird and discover small loans for bad credit. There are multiple lenders available in our FREE to use search, meaning you should find options if you are eligible. After completing our application form, you can review your offers and compare them, choosing the best option for you. Then complete your application with your chosen lender and get the cash you need once approved.

Can I Get Small Loans for Bad Credit with No Guarantor?

Yes, our UK lenders can provide no guarantor loans for bad credit, so you can apply as a sole applicant. Whilst you won’t be guaranteed approval, you can apply with confidence with the lender of your choice that your affordability will be assessed fairly. Without the need for a guarantor, you can speed up the process of getting the cash you need when approved.

Will I Get Cash the Same Day as Approval?

Our lenders work quickly once your application has been approved to transfer the loan funds to your bank account. This will be the same day and in many instances within 10 minutes of approval and signing your credit agreement.

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