Bad Credit Personal Loans

  • Compare loan deals
  • Loans up to £25,000
  • Tenants & Homeowners
  • Credit problems OK
  • Free search service
  • Credit score not affected
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Bad Credit Specialists

We Solve Borrowing Problems

Millions of UK residents have some form of poor credit rating. Be it a missed payment or two or a full blown bankruptcy. This can cause problems when trying to get a personal loan, particularly from high street banks who are particularly picky.

We work with a wide range of specialist bad credit personal loan lenders. So even if you’ve been previously rejected it is still possible we could find you a personal loan. Many of these lenders do not need a guarantor.


If you are a homeowner then you might also have the option of a secured loan.


Want to improve your credit rating? Read our detailed guide

Personal Loans for:

Find Bad Credit Options

£100 to £25,000 for those with a Bad Credit Rating

Our panel of lenders means that we can cater to a broad range of loan values even if you have a bad credit history. Not all lenders can offer all loan sizes so the only way to know whether you can get the £1,000, £5,000, £10,000, £15,000 or more you need is to make your enquiry.

We’ll instantly be able to feedback to you on the deals available from our lenders. then you can decide how you want to proceed with your bad credit personal loan application.

Personal Loans for a Bad Credit History

The key advantage we have is that we work with a great panel of unsecured lenders who specialise in helping people get credit who have some form of credit problem. There are 3 different types of bad credit lender:

  • those who offer a single APR% but have a strict lend/don’t lend policy based on the achievement of a minimum credit score
  • those who provide loans to a wider pool of people and calculate the loan APR % based on the borrower’s specific risk (with reference to their credit file)
  • those who largely ignore a borrower’s credit history and lend on the basis of them providing a guarantor for the loan.

Personal Loans for the Self-Employed & Unemployed

Since 2000, the number of self-employed people in the UK has risen by 2 million to nearly 5 million (that’s 40%)! There is a fairly even mix between full-time self-employed and part-time self-employed. Traditionally self-employment has meant it has been hard to borrow and hard to get credit simply because the regularity of income has been harder to prove than for those who are employed by organisations.

However, things are changing fast and lenders have realised that they need to accommodate this growing market and find a way of meeting its credit needs. Many of our lenders are able to provide personal loans to self-employed people(e.g. Selfy Loans).

If you are unemployed, retired or on benefits so that you have only unearned income it is still possible that you may be able to get some credit even if it is a smaller amount. It may be that you need to consider a short term instalment loan or doorstep loan. These forms of credit could provide up to £2,000 on an unsecured basis.


Personal Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of the guides may help you. We summarise each type of loan and its pros and cons and address issues regarding debt and credit ratings.


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



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Our reputation is great. In fact we have scored 4.7 out of 5 based on 423 ratings & 61 user reviews for our personal loans service.


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Written/Reviewed by: Amanda Gillam

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