Can I get £400 with bad credit?

5 products publish a range covering £400. That does not mean you will be accepted.

Will there be a credit check?

Usually yes at application. Some providers publish a soft eligibility check. We never describe a product as no credit check unless that is a verified field — and it is not used as marketing copy here.

Is everyone accepted?

No. Acceptance is never guaranteed on WiT Money pages.

Compare £400 bad-credit borrowing options

This page is for people comparing borrowing of £400 who are also thinking about their credit file. A poorer credit history does not guarantee acceptance, and APR can be higher. Only products with a verified minimum and maximum that include £400 are listed.

Before you borrow

Cost, affordability and other options

Small-amount and high-cost credit can be expensive relative to the sum borrowed. Compare total repayable, not only the monthly or weekly figure.
Late or missed payments can add charges and make a credit file worse, which can make later borrowing harder.
Only borrow if repayments still leave enough for housing, food, energy and existing debts.
Check whether savings, an arranged overdraft, a payment plan with the bill issuer, or employer support would cover the gap.
Free help is available from MoneyHelper, Citizens Advice and StepChange. They are not lenders and will not charge for advice.

This amount

Credit-profile intent

Dataset

Qualifying options

Only records whose verified range includes this amount are listed. Missing min/max values are excluded.

Creditspring

Membership credit · £400–£2,400

Cashfloat

Bad Credit Loan · £100–£1,500 · eligibility not inferred from a blank field

Lending Stream

Short-term Loan · £50–£1,500 · eligibility not inferred from a blank field

Moneyboat

Short-term Loan · £200–£1,500

QuidMarket

Short-term Loan · £300–£1,500

FAQs

Common questions

Related amounts

Details checked 2026-09-16. Rates, fees and eligibility can change.