Loans
Compare verified UK bad credit loans across unsecured, secured homeowner, membership and short-term products. Check representative APRs, amounts, terms and soft eligibility before you apply.
Rates depend on your circumstances and the lender's assessment. Credit is subject to status. Product data last checked 24 August 2026.
Compare total cost
APR, term and amount repayable
Check affordability
Only borrow what fits your budget
Subject to status
Lender assessment required
Loans
Flexible unsecured borrowing for a wide range of needs.
CompareProperty-backed borrowing for homeowners — understand the risks first.
CompareCombine multiple debts into one monthly repayment.
CompareFund renovations, extensions and household projects.
CompareSpread eligible wedding costs over fixed monthly repayments.
CompareExplore lenders that may consider a wider range of credit histories.
Your loan
Enter an amount and repayment term to find loans that match your requirements.
Loan availability, rates and eligibility depend on your circumstances.
Representative APR
The representative APR is the rate that at least 51% of accepted customers are expected to receive where the representative-rate rules apply. Your actual rate may be higher and depends on your circumstances.
Compare the total cost, not just eligibility
Loans aimed at people with limited or impaired credit histories can have higher interest rates. Compare the APR, fees and repayment term before applying.
Different types of borrowing
Unsecured personal loans, secured homeowner loans, membership credit and short-term credit are shown in separate sections so lower APRC secured products are not ranked against higher-APR unsecured loans.
£5,000 over 3 years
Soft eligibility check available. A full application may involve a hard search.
49.9%
APRRepresentative APR
£1,000–£8,000
Loan amount
1–5 years
Loan term
Same-day possible
Funding
Eligibility
Soft eligibility; no score impact
Soft eligibility check available. A full application may involve a hard search.
Soft eligibility check available. A full application may involve a hard search.
99.9%
APRRepresentative APR. Available rates 30.5%–252.7%
£1,000–£15,000
Loan amount
18–60 months
Loan term
Unsecured
Product type
Available rates 30.5%–252.7%
Eligibility
Quote won't affect credit score
Soft eligibility check available. A full application may involve a hard search.
These products are shown separately from unsecured personal loans so they are not compared as like-for-like options.
Secured lending uses your home as security. It is not ranked with unsecured personal loans.
Secured against your home
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.
Secured against your home
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Soft eligibility check available. A full application may involve a hard search.
21.82%
APRCRepresentative APRC
£5,000–£100,000
Loan amount
3–20 years
Loan term
Secured homeowner
Product type
Eligibility
Eligibility enquiry stated not to affect credit score
Soft eligibility check available. A full application may involve a hard search.
Finding debts hard to manage?
Free independent debt advice is available — see MoneyHelper, StepChange and other organisations. These links are not commercial partnerships.
Product information
Last checked: 24 August 2026
Source: Official lender product information.
Representative APRs/APRCs and product details are taken from verified lender disclosures and may change. Your rate and loan amount depend on your circumstances. Credit subject to status. Secured loans may put your home at risk. Always confirm current terms on the provider’s website before applying.
Sort order is lowest comparable representative APR or APRC within each product-type section — not editorial picks. Comparison methodology →
Understanding the category
There is no single universal definition of “bad credit”. Lenders use their own criteria, which may include credit score bands, missed payments, defaults, CCJs, limited credit history or a combination of factors. Two lenders can reach different decisions on the same application.
Products on this page are aimed at people with limited, imperfect or rebuilding credit histories. That does not mean every applicant will be accepted, or that every product is suitable for every situation.
Our methodology
We compare products using information published by UK lenders — rates, amounts, terms, total cost and eligibility features — so you can weigh affordability side by side.
Full detail: Comparison Methodology.
Eligibility
Bad credit loan approvals depend on creditworthiness and affordability. Some providers offer a soft eligibility check before a full application. Secured, membership and short-term products are shown separately from unsecured instalment loans.
Meeting typical eligibility criteria does not guarantee acceptance. Each lender assesses affordability and creditworthiness and may offer different terms.
Before you apply
Focus on whether the repayments and total cost are affordable — not the monthly figure alone.
Review your credit score. If you are already finding debts hard to manage, see free debt advice.
Borrowing costs
Lenders price loans according to risk. A limited or impaired credit history may mean a higher interest rate. Focus on APR, fees, repayment term, affordability and total borrowing cost — not eligibility alone.
Compare the total amount repayable and the full term — not the monthly repayment alone.
An example rate for comparison. The rate you receive may differ.
The regular amount due under the agreement.
Full amount repaid over the term, including interest and relevant fees.
A longer term may lower monthly payments but increase total interest.
Some products may include administration or other charges.
Estimate figures with the loan calculator, or compare personal loans if you may qualify for mainstream pricing.
Need help with debt?
If you are finding repayments hard, missing essential bills or feel that more borrowing may make things harder, free independent debt advice is available. These are external resources and do not endorse WiT Money. We do not earn commission from these links.
Credit checks
Some lenders offer a soft eligibility check before a full application. Soft and hard searches work differently — and a soft check does not guarantee approval.
A soft eligibility check generally will not affect your credit score. A full application may involve a hard credit search. How credit checks work
Credit history
Some lenders may consider applications where a CCJ or default is present, subject to affordability and their own lending criteria. Others may not. “May be considered” does not mean approval is likely or guaranteed.
Use the credit circumstances filters and product details to see which lenders publish that they may consider these situations, then check eligibility carefully before making a full application. See CCJs explained and defaults explained.
Important information
General information only — always confirm current terms with the lender.
Other options
Depending on why you need money, reducing the amount, delaying the expense, using savings or exploring appropriate support may be alternatives. These are general options — not personalised advice.
Some credit unions offer smaller loans to eligible members and may assess applications differently from mainstream lenders.
May help demonstrate payment history when used carefully and repaid on time — not a substitute for affordable borrowing.
If the expense is not urgent, waiting or using savings may avoid interest charges.
Where appropriate, support from family may avoid high borrowing costs. Agree clear repayment expectations first.
Related: credit cards, debt consolidation.
FAQs
Eligibility, CCJs and defaults, credit scores, early settlement and free debt advice.
Last reviewed: 24 August 2026
Product data last checked: 24 August 2026
Reference links only — these organisations do not endorse WiT Money. Free debt-advice charities are listed in the advice section above.
Found an outdated rate or product detail? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
Illustrative estimates only — check total cost and affordability before you apply.
Related
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