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

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Poor 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

Poor Credit Loans

Here at Clever Loans, we can help many individuals around the UK who are looking for a loan to deal with an emergency financial need. This can in some circumstances include those seeking ‘poor credit loans’, as your credit rating does not necessarily disqualify you from taking out a loan.

How do I find a poor credit loan?

At Clever Loans, we provide quotes to a range of individuals, including those who have been searching for poor credit loans or who are concerned they may have a poor credit rating.

We will look at your financial requirements and provide a quote for a lender with the best available terms. If you choose to proceed with the application, the direct lender will then carry out some additional checks and you could then have cash sent to your bank within minutes.**

How reliable is our service?

We provide a thoroughly reliable service, due to both our own standards and the fact that we only work with FCA-regulated lenders, so you can be fully confident in the quality of both the quote and the lender.

How long does the loan take to arrive?

As you look around for poor credit loans that provide reliable and financially beneficial terms, we appreciate you’ll want to receive your funds as soon as possible. We provide instant quotes; if you proceed with one, you could receive your money minutes after being accepted**, dependent on the banks policies and procedures or processing times.

How much can I choose to borrow?

All of the short-term loan’s quotes provided, whether they would classify as poor credit loans or not, can range from £100 to £5,000 and be borrowed over varying lengths of time.

What are the criteria to be accepted for a poor credit loan?

The criteria to be accepted as a borrower on a poor credit loan, or any short-term loan in the UK, come down to a few key factors. A borrower should ensure that they:

  • are at least 18 years old
  • are a UK resident
  • have a bank account with a valid debit card
  • receive a regular income – directly into a bank account
  • have a valid email address and phone number

When you use Clever Loans to find the ideal short term loans quote for your financial requirements, our online loan broker service will search across only FCA authorised and regulated lenders, providing you with a quote from the direct lender who you are matched to using the details you provide in your application.

How much are my repayment terms?

Your repayment terms can vary depending on the specific amount that you request to borrow, the APR of your loan and the number of months you request to repay the loan over. We ensure that you are provided with a quote for the loan that best fits your budget across these key areas.

Example Repayments*

*These are indicative quotes only based on a £1500 loan over 12 months.

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.

What do I need to do to apply?

To apply for a loan today, simply enter a few key financial preferences on our form and we will then source the loan quote that best fits your current financial situation. If you choose to move forward with the quote, the lender themselves will then carry out a few checks and, if accepted, you could receive your loan today.

Remember: You should always think through the financial implications of any loan and ensure you can keep up with repayments. If at any point you are struggling to meet repayments, contact an organisation such as Money Helper for support and guidance.

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.