Poor Credit Loans

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Whether you’ve missed repayments, have a limited credit history, poor credit loans can provide a solution. As a premium credit broker, we can connect you with 40+ lenders to ensure you always get the best rates possible, even with a bad credit score. Get the financial support you need with fast, safe and efficient loans for poor credit.

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What Are Poor Credit Loans?

Poor credit rating loans are designed for people who need money but have a limited or poor credit history. Having a poor credit score can make it difficult to be accepted for cash loans and other credit. At Personal Loans Now, we understand that it’s not just those with perfect credit that will be seeking financial support. Our mission is to make loans for poor credit accessible to everyone. This is by considering more than just your credit score. Since our lenders are fully authorised they’ll conduct a full creditworthiness assessment. This will consider your current finances, savings and more. This is to determine how affordable the requested loans for poor credit will be.

Are Personal Loans for Poor Credit Safe?

Are Personal Loans for Poor Credit Safe?

Credit scores are designed to guide lenders to determine how creditworthy you are as a consumer. You score is calculated according to your credit history. Lenders can contact one of the leading Credit Reference Agencies in the UK to get their full report. It’s this that lenders have previously relied on when assessing affordability risk. We understand that not every applicant will have a pristine credit score. We’re proud to consider those with lower credit scores for safe, fast and secure loans for poor credit history.


Very poor credit loans from reputable lenders are safe, providing your able to meet the agreed repayments. Regulation states that all lenders are required to conduct a creditworthiness check. You can apply with confidence that our lenders will always assess whether you can afford to get a loan before approval. We have a panel of over 40+ direct lenders available. We can provide you with a personalised list of offers to suit your situation and needs. Each of these lenders are approved and trustworthy within the industry. This gives peace of mind regardless of who you apply with.


How Long Will My Poor Credit Loans Direct Lender Application Take?

When you apply through us, the loans for poor credit application takes minutes to complete. All you have to do is fill in your details, and our lenders will run all the relevant checks to give you an instant answer. We pride ourselves on a fast, simple and effective loans for poor credit application. This ensures you get the answers you need without the stress of waiting for a decision. We never want to leave you in the dark. This is why we have designed our application to be as efficient and stress-free as possible.

We’ll forward your loans for poor credit rating application onto the lender of your choice as well. If another lender on our panel suits your needs more, this will prevent the need to fill out another application. Following acceptance of loans for poor credit, your lender may deposit funds into your account on the same day in most cases.

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Loans for People with Poor Credit from Personal Loans Now

At Personal Loans Now, we’re proud to offer the best loans for poor credit. We have helped over 50,000 people get approved for a loan in their time of need, with that number only increasing. Our UK-based customer service team are always on hand to offer advice on our loans for poor credit. You can get the answers you need when you need them. Financial trouble can be a confusing time. We want to keep things as simple as possible from the moment you visit us to the very last payment.

We provide real-time rates for all lenders. You can choose debt consolidation loans for poor credit that suits you best, meaning you have full control over your details. With a single application, you can apply to any of the poor credit loans direct lenders we connect you with. We aim to offer some of the most competitive rates in the business. As part of our mission to provide affordable credit, we provide details of better rates if available.

Poor Credit Loans FAQs

Can I Get Debt Consolidation Loans for Poor Credit?

If you have debts elsewhere, loans for poor credit to consolidate other high-interest debts can be the solution. Those with poor credit may witness higher rates of interest than our representative APR. Debt consolidation loans for poor credit from us could still work out cheaper in the long run. You can find out for yourself with an initial calculation with our loan calculator. Be aware that interest rates may change.

Can I Get Poor Credit Loans If I’m Unemployed?

If you’re unemployed, you could still be eligible for very poor credit loans. This is providing you have proven regular income and can afford the loan you’re applying for. All lenders will conduct full checks to ensure the affordability risk is low, in adherence to FCA guidelines. For this reason, you can apply with confidence that while unemployed, you can still be eligible for a loan. This is as long as you are able to afford the repayments.

Can I Get A Poor Credit Loan Without A Guarantor?

At Personal Loans Now, we don’t ask you for a guarantor when you apply for loans for poor credit. While you can apply for our guarantor-secured loans, you can avoid finding a guarantor with our poor credit loans. These unsecured alternatives allow you to apply for and manage the loan yourself. This is without having to link yourself financially with someone else. This will eliminate the risk of affecting your credit score and theirs.

Can I Apply For Poor Credit Loans Online?

We make the application for poor credit loans simple with our online application. You can choose to apply through our website on desktop or mobile. You can alternatively download our app, Credit on Demand, in order to apply for poor credit loans while mobile. Our app also enables you to manage your loans and repayments while on the go. This makes the entire process seamless from start to finish. So, whether you’re looking for a new car without a logbook loan, or home improvements, you can still apply with poor credit.

Will Poor Credit Rating Loans Affect My Credit Score?

Poor Credit Loans affect your credit score in the same way as any other loan. If you meet repayments on time and in full, a poor credit loan could help improve your score. However, please be aware that a missed or late repayment may result in worsening your credit score. All care should be taken to meet repayments on time. If you believe you’re going to miss a repayment due to a change in circumstances, you should contact the lender. This should be done as soon as possible to discuss a solution. You can also seek free debt advice to help you get your finances back under control. The Money Advice Service can offer impartial, free financial advice why you need it.

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