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    We provide no obligation quotes for bad credit from our panel of professional lenders!

  • *Cash transferred to your account instantly

    Get your urgent money witin as fast ashin 1 hour after the application is approved!

  • *0 additional fee

    We charge you nothing for using our services to borrow money from our lenders!

Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

Warning: Late repayment can cause you serious money problems. For help, go to

Different Types of Borrow Money

  • Loans

    Loans are a way of borrowing a fixed amount of money for a fixed duration. You will also need to pay interest on the principal borrowed amount as per the rate of interest you have agreed to.

  • Credit cards

    A credit card is generally issued by the bank where you have an account. You can use up the card to make payments and then clear the credit card amount later at a given date. However, if you delay repaying, you might incur some interest.

  • Overdrafts

    This is again offered by the bank you have your account in. An overdraft lets you use more than what you have saved in your bank account. This amount is to be paid back to the bank after a certain duration and failure to do so might lead to penalties by the bank.

  • Hire Purchase & Conditional Sale

    Hire purchase is when you have received the goods without making the full payment for them. The goods are considered hired until you have completed the instalments in full.

    Conditional sale is an agreement which states that in case of falling behind in payment, the lender can take possession of the goods.

How Much Money Can I Borrow?

The amount that you can be allowed to borrow will depend on certain factors. Those factors might include the reason that you are borrowing the money for, your income amount, your income source, your income frequency, and so on.

You can borrow anywhere between £100 to £5000. If the amount you applied for is not approved at first, you can try applying again with a relatively smaller amount. Chances are that you might get approved this time.

What If I Have Bad Credit?

In general, if someone has a bad credit, it may be difficult for them to get a loan or borrow money from other sources. But with UKBadCreditLoans, your application can be taken into consideration based on certain factors.

If you are a regular earner and if you can afford to repay the applied amount on your current earnings, you just might be eligible for a loan from UKBadCreditLoans. If you fall in the category of the above factors, you can go online on the UKBadCreditLoans website and get started on the loan application.

Do I Qualify to Borrow Money?

If you have all the required forms, files, and documents in place and are a regular earner, you might be eligible for a day loan from UKBadCreditLoans. To qualify, you also need to fulfil the following criteria:

  • You reside in the UK
  • You fulfil the age criteria i.e., you are 18 or above
  • You have a steady income foundation
  • You have an eligible bank account where quick loans amount can be deposited

How Quickly Can I Get Money?

How quickly you get the money will depend on how early you get the approval and accept the terms and conditions of the loan. However, if it is a weekend, the bank might take longer to process and reflect the amount in your bank account.

Other than that, the process of getting money from UKBadCreditLoans is quick and seamless.

Always make sure to save a copy of the terms and conditions for yourself.

How Much Will It Cost Me?

If you need to borrow money and you visit the UKBadCreditLoans website, it will cost you zero to get a loan.

However, to set the repayment terms, the lender might consider the following aspects:

  • Duration for which you are borrowing
  • Amount that you have requested to borrow
  • The amount and frequency of your income
  • Your credit rating and history with loan repayments

I Get Stuck in Much Debt - Should I Borrow More?

Being in debt is not good for you, for your income, and even for your credit score. Therefore, it is not suggested to borrow more if you already are in a lot of debt.

There are certain debt charities and organizations in the UK such as StepChange, The Money Charity or the AdviceUK that do not charge a penny to offer their support and advice to the borrowers and to those in deep debt.

Frequently Asked Questions

  • What happens if I am approved?

    Once approved, you can see the terms and conditions. If you agree to them, you can accept and move ahead with the offer. After which, the loan amount will be credited to your bank account.

  • Can you get a loan with bad credit?

    You certainly can get a loan with a bad credit. You will get a loan on the basis of the amount and frequency of your income. However, this loan application will go to your credit history for record purposes.

  • What types of loan might I be offered with bad credit?

    You can be offered almost all sorts of loans, be it secured or unsecured loans, with bad credit at UKBadCreditLoans. However, do remember that the terms might be stringent in case you have a bad credit.

  • How long can I borrow for?

    You can choose any short or long-term duration loan as per your suitability. Although, the longest duration that people take loans for is three years.

  • Do I have to have a credit check?

    If you are going to opt for a secure loan, a credit check is a mandatory step. Lenders that are registered with the Financial Conduct Authority (FCA) are required to perform a credit check. You cannot receive legitimate funds from an authorized lender without a credit check.

    However, if you are willing to go for an unsecured loan, you might not need a credit check. For both the processes, the criteria and rules are different.

Borrow Money Quick- Get Started Now

If you are in urgent need of money but cannot get a concrete source to borrow from, UKBadCreditLoans can help you get loan approval in as quick as 10 minutes. What are you waiting for? Get started now!

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