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

Clever Loans will never telephone you and will never charge you any fees. You should never pay upfront fees for a loan or send money in return for a loan.

Bad Credit Loans

Get a quote in 2 minutes, then decide if you want the loan. If you are unsure if you will be accepted, try our QuickCheck

Loan amount £1000
Over how many months?
79.5% APR Representative

Please keep this box ticked and you could have your loan sent within minutes**


Try QuickCheck to find out your chances of being accepted - 100% no credit footprint!

Try QuickCheck to find out your chances of
being accepted with no impact on your credit footprint!

Digitonomy Limited (trading as Clever-Loans) is a credit broker not a lender. All Applications Subject to affordability, UK residents only

Rates between 11.8% APR and Maximum 1721% APR - your no obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools, which may charge you a monthly fee.

Our Happy Customers

Loans for People with Bad Credit

Here at Clever Loans we have partnered with lenders who consider lending to those with a less than perfect credit rating. If you are looking for loans for bad credit, we can arrange loans of between £100 and £5,000.

Why do I have a Bad Credit history?

The term ‘bad credit’ tends to be used to describe an individual’s credit score, with a low score representing a poor credit history. Lenders do not offer specific bad credit loans, instead they offer loans which are available to those with a less than ideal credit score.

If you have found it difficult to make repayments on loans, credit cards and bills in the past, this can negatively impact your credit score. In addition, if you have previously been refused for a credit card or loan, the search will be recorded on your credit file, which could have a negative impact. A lower credit score and negative marks on your credit file, will affect your credit score.

What are bad credit loans?

Loans for bad credit can be a useful way to borrow the cash you need, if you have a low credit score or no credit history. If you are finding it difficult to obtain credit, there are a variety of lenders who consider bad credit applicants. There are many popular uses for poor credit loans, such as purchasing a car, consolidating debts, home improvements and holidays.

What are the benefits of loans for bad credit?

If you have been refused credit in the past, loans for bad credit provide an ideal solution. The loans can be approved quickly, with cash potentially sent to your bank account in minutes. Although, the final availability of the funds will depend on your banks policies and procedures.

It is possible to arrange repayment periods of 3, 6, 12, 18, 24 or 36 months, depending on the amount you borrow. By making the affordable loan repayments on time, bad credit loans can be used as a way to rebuild your credit score.

Who is eligible for bad credit loans?

You will need to be a UK resident, aged over 18, with a regular income. If you are unsure whether you will be accepted, our QuickCheck tool will let you know whether you are likely to be accepted. Simply provide a few key financial details and our system will let you know whether you are likely to meet the eligibility criteria of our lenders. The result is instant and there is no credit check required.

Will I be accepted for a bad credit loan?

There is no guarantee that you will be accepted for a loan, however many of our lenders will consider individuals with a poor credit history. In addition to your credit history, they will also take into account different factors including affordability meaning you may still be approved for a loan.

How do I apply for a loan?

Applying for a loan through our website is designed to be as simple as possible. Simply complete our online form with your personal and financial details. We will then match you to the ideal loan provider, with an instant online decision for a loan available, bad credit applications are considered. At this point only a soft search of your credit file is conducted, although if you decide to proceed with a loan quote, the lender will conduct a final hard credit search.

We are one of the leading loan brokers considering loan applications from people with bad credit. However, if you are struggling with your finances you should always consider whether loans for bad credit are the right option for you. There are organisations which can offer free and impartial advice, including Step Charge and Money Helper.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender.