Low Credit Score Loans

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When you want to find low credit score loans but aren’t sure where to start, we can help you by searching the entire loans market. You only need one application to search 40+ lenders for cheap personal loans with a low credit score. You can trust us to find the best deals available. We’ll connect you with lenders who can offer online loans for a low credit score, for amounts between £1,000 up to £20,000. Click apply now, and we can get started finding you the best low credit score loans for you.

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Online Loans for a Low Credit Score

It can be difficult finding a lender that will offer a loan if you haven’t got great credit. Many lenders will only provide you with the money you need if your credit history is in good shape. If you do have poor credit, we understand your options might be limited. However, at Personal Loans Now, we can help you find lenders who are best placed to help you. Getting the lending you need, aligned to your circumstances. We consider your whole affordability and not just your credit score when deciding to lend to you. Our high approval rates have helped 50,000 applicants find the loan they want at a great rate, and we can do the same for you.

How Can I Be Eligible for Low Credit Score Loans?

If you want to apply for low credit score loans, you will need to meet a few minimum requirements first which include:

  • You are 18 years of age or older
  • You are a current UK resident
  • You have a UK bank account
  • You have a regular source of income

If you can meet the above, we can help find a suitable direct lender that best meets your needs. However, they do not guarantee you will be approved for online loans for a low credit score. A credit search will be performed as part of your loan application and affordability checks will be carried out. If we can determine you can afford the loan terms you want, there is a good chance you will be approved. However, depending on your credit score, this cannot be guaranteed. You may find a suitable Credit Union that can help or other direct lenders willing to approve your loan.


Why Should I Choose Personal Loans Now for Low Credit Score Loans?

Low credit score loans can be difficult to find. We have the means to make this process much easier, as we will search the entire market, so you don’t have to. There are many reasons to choose us including:

  • Fully Online Application Process – you won’t need to wait for paperwork as you apply completely online.
  • Low APR Rates – we’ll not only find you low credit score loans but ones that have the lowest APR rates available for you.
  • High Acceptance Rates – We’re proud to offer high approval rates for our applicants. We’ve helped 50,000 people just like you get the funding they need.
  • Instant Approval – we can provide a decision in just 90 seconds, so you’ll know in an instant if you’re successful.
  • Same Day Funding – one you are approved, we will credit your bank account on the same day.

We want to help you receive help even with bad credit so that you can quickly see all the available options. Offering a quick and convenient online service using our credit on demand system. We can ensure that you find what you need without much effort. If you have any questions about low credit score loans or our processes, please contact us. You can speak to one of our friendly and knowledgeable staff who will be happy to explain more.

How Do Low Credit Score Loans Work?

How Do Low Credit Score Loans Work?

It’s pretty simple to get started with us and it all starts by clicking apply now. You’ll need to enter the amount you want to apply for, and the repayment terms needed. If you’re unsure how much you want to borrow, you can use our loan calculator. You will see how much the interest and repayments would be for a loan between £1,000 and up to £20,000.


Once you’ve determined how much you want to apply for, enter this along with a few personal details. This includes your date of birth and employment details. We’ll then provide you with a personalised table of offers tailored to what you need. From here, you can review all the available offers from direct lenders we can connect you with. This will show you how much is being offered, the interest charge and repayment terms. You won’t need to undertake a credit search to see this information. It won’t affect your credit score, so feel free to review everything available to you.

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Once you’ve chosen the offer and lender you wish to continue with, we can start the approval process. We’ll run a credit search and reviewing your affordability. This should take just 90 seconds to complete as we want you to know a decision as quickly as possible. If you’re then approved, the lender will be able to deposit the loan amount directly to your bank account. This is usually on the same day, assuming this is during normal working hours (9-5 PM). Once you have the funds, you can use them how you want to, then it’s just a case of maintaining the agreed repayments.

Low Credit Score Loans FAQs

How Much Can I Borrow with Bad Credit?

At Personal Loans Now we can offer borrowing for a wide range of amounts unsecured up to £20,000. However, if you have bad credit, this amount will be limited to a maximum of £7,500. This is due to lenders having to take a larger risk when lending to you. Having bad credit doesn’t mean you won’t be approved. However, it does affect the amount you can borrow as well as the interest rates available. To get the best rates, your credit score will need to be good as well as having good affordability. If you’re looking for higher value loans, our secured Loans offer up to £250,000.

Do I Need a Guarantor to Apply for Personal Loans with a Low Credit Score?

It is not a requirement to have a guarantor to apply for low credit score loans. However, if you have a poor credit rating this may help you get the approval you want. We offer high acceptance guarantor loans for applicants with a suitable person to co-sign a loan agreement. This means if you have poor credit, your chances of being approved for a loan significantly improve. A guarantor will need to have a good credit score with other requirements to stand the best chance of being approved. However, this is still not a guarantee the loan will be accepted.

How Long Can I Borrow a Low Credit Score Loan For?

This depends on your circumstances. Most bad credit loans without a guarantor will be spread between 1-7 years, as they are a form of unsecured borrowing. Remember, the longer you want to repay the loan for, the higher the interest charge may be. So, if you want low monthly repayments, you will need to consider that this may cost you more in total. Use our loan calculator to see the interest charges and repayment terms for the loan you want before applying.

How Can I Check My Credit Score?

If you’re unsure what your current credit score is, you should check before applying for personal loans with a low credit score. There are a few credit reference agencies available you can use, including Experian and Equifax. They will show you a credit score ranking from poor to excellent. By checking your credit report, you’ll be able to see what lenders can when assessing your application for a loan. This means if there are any issues or your credit rating is low, you can start to make changes to improve it. We recommend doing what you can to improve your score before considering taking out further borrowing.

Can I Get Low Credit Score Loans with No Credit Check?

No, you cannot get a loan through Personal Loans Now without a credit search being performed. We are a responsible credit broker, only working with FCA authorised lenders. We are committed to responsible lending with a credit check an important part of this. If you find any lenders who can lend you money without a credit check, we strongly recommend you do not use them. You should look to report them to the FCA as well. Your online protection is very important. We strive to ensure your personal details and information are kept safe and secure when using us. A credit search is not only responsible lending, but also ensures you’re not in financial difficulty. This protects you and the lender from unnecessary risk.

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