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Bad credit loans online instant decision

Borrowing issues? Discover your options here.

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Instant Decision

  • Loans: £100 to £75k+
  • Tenants & Homeowners
  • Poor Credit Alternatives
  • Unsecured & Secured
  • Options inc. no guarantors
  • Help improve your creditworthiness

Quick Loans with Instant Decision

As a technology-led no fee broker we work with numerous lenders and numerous types of loan. Even though you might have a bad credit history this doesn't mean we can't find you a fast loan. Our lenders are keen to find ways to lend if providing credit is viable and the repayments affordable.

Choose from small short term loans which have almost instant payouts to larger unsecured loans which could still payout today. Larger secured loans are likely to take several days or weeks to complete.

What do we mean?

  • Online Instant Decision - in many cases we can instantly send your enquiry to our lenders and then give you a lending decision in principle.
  • Quick Loans - some lenders are able to pay out small loans in just a couple of hours, while larger loans can still be paid out the same day.

Which loans offer an Instant Decision Online?

We have two panels of unsecured lenders that have joined their systems to ours to enable this:

The loans on offer range from £500 to £25,000 and in both cases it is possible to achieve a payout the same day. The process to do this is very simple:

  • You make your enquiry via the links above - takes no more than 60 seconds
  • Our system "talks" to our lenders' systems - the lenders make their decisions
  • We assemble those "accepting" lenders into a table that we present to you
  • You compare loan offers and select which you want to go with
  • You click through to the lender website and complete your application
  • On completion and after the necessary checks the lender pays out your loan

The process is 100% online with the final agreement signed electronically.

Which are the Quick Loans when you have Bad Credit?

The unsecured loans shown above are quick, but we have access to other forms of loans which are even quicker - where the payout is in just hours. These tend to be lower value loans and some of these are able to cater for borrowers with bad credit ratings.

We're unable to give you instant decisions for these lenders, but the lenders themselves can do this - they have designed their application processes specifically to achieve this. If one lender is unable to lend then select another - but be aware than too many loan applications can have an adverse impact on your credit rating, so select your lenders with care.

Bad Credit & Credit Scores

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When it comes to getting you your bad credit loan our online service is second to none. In fact has scored 4.7 out of 5 based on 262 ratings & 41 user reviews for its bad credit loans service.

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