Low Credit Score Loans

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When you want to find low credit score loans but aren’t sure where to start, at Personal Loans Now we can help you by searching the entire loans market. Using just one application to search 40+ lenders for 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 £15,000. 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 you a loan if you haven’t got great credit, with many lenders only able to 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 the lenders who are best placed to help you get the lending you need, aligned to your circumstances. We take into consideration 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 look to help you, 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 that 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. As a direct lender, if we can provide you with the money ourselves then we will, but if we can’t approve your loan application, we will connect you with other direct lenders who could.


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

Low credit score loans can be difficult to find, but at Personal Loans Now, 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 can apply and be approved 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 are proud to offer high approval rates for our applicants, helping 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 our customers receive the help they need even with bad credit so that you can quickly see all the available options. By offering a quick and convenient online service using our credit on demand system, we can ensure you can find what you need without much effort. If you have any questions about low credit score loans or our processes, please contact us directly to 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 all starts by clicking apply now. You will need to enter the amount of the loan you want to apply for, and the repayment terms needed. If you are still unsure exactly how much you want to borrow, you can use our online loan calculator to see potentially how much interest and repayments would be for a loan between £1,000 and up to £15,000.


Once you have determined how much you want to apply for, enter this along with a few personal details, including your date of birth and employment details, and we’ll then be able to provide you with a personalised table of offers, tailored to what you want. From here, you can review all of the available offers from the direct lenders we can connect you with, showing 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, so it won’t affect your credit score, so feel free to review everything available to you.

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Once you have chosen the offer and lender you wish to continue with, click on the relevant one and then we can start the approval process, running 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 are then approved, the lender will be able to deposit the loan amount directly to your bank account 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.

Get Secured Loans From Personal Loans Now

When you compare secured loans and apply with Personal Loans Now, you can do so with the peace of mind that we are a responsible lender. With high rates of acceptance that never compromise on the safety of your finances, secure borrowing that enables you to apply with confidence and the opportunity to gain better rates from our panel of lenders, getting secured loans with us is easy when you need clarity the most.

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 £25,000. However, if you have bad credit then this amount will be limited to a maximum of £7,500 due to the 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 stand the best chance of getting the best rates, your credit score will need to be good as well as having good affordability.

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 guarantor loans for applicants who have a suitable person to co-sign a loan agreement, meaning 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 along 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, but most commonly bad credit loans 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 clearly see the potential interest charges for the loan amount and repayment terms you want before applying.

How Can I Check My Credit Score?

If you are unsure what your current credit score is, it is a good idea to check before applying for personal loans with a low credit score. There are a few credit reference agencies available to do this with, including Experian and Equifax, who will you with a credit score ranking from poor to excellent. By checking your credit report, you will be able to see what lenders can see when assessing your application for a loan, meaning 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. As an FCA authorised lender, as are all the direct lenders we can connect you with, we are committed to responsible lending guidelines, with a credit check a 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, and they should be reported to the FCA. Your online protection is very important, and we strive to ensure your personal details and information are kept safe and secure when using us. Having a credit search is part of not only responsible lending but also ensuring you are not put into financial difficulty, protecting you and the lender from unnecessary risk.

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