Unsecured Loans

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* Affordable £2,000 – £25,000 Online!
RAPR 39.7%

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Can I get unsecured loans for bad credit in the UK? Yes, you can! With our credit on demand service, getting unsecured loans has never been easier. Our unsecured loans have a very high acceptance rate as we specialise in funding loans without security for people with bad credit, ranging from £2000 up to £25,000*. Get an instant decision, and if approved you will be funded the total loan amount into your bank account, the same day. If we cannot provide a loan for you then we’ll team up with Monevo to find you a different, FCA-authorised direct lender that fit your requirements better. Apply now for the loan amount that’s perfect for you!


Are you looking for unsecured loans for bad credit from a direct lender?
Apply now and get an instant decision!


Everything about our unsecured loan option for bad credit



Unsecured Bad Credit Loans

Getting a loan without security for bad credit in the UK is possible. By definition, unsecured personal loans tend to be a bit more expensive as the lenders need to balance the risk. In contrast to secured bank loans, private unsecured personal loan providers in the UK do not take any security to guarantee the loan. The best UK lenders will give you an instant decision so you can receive the money in your bank account on the same day. With bad credit payday loans, we always recommend working directly with the lenders. However, personal loans for bad credit are a bigger and more significant product. Therefore, applying with FCA authorised loan brokers will often get you the best deal faster.

Personal Loans Now explains about bad credit

Can I get unsecured bad credit loans with an instant decision and no guarantor?

Personal Loans Now explains about direct lenders and brokers

Can I trust unsecured loans for bad credit from direct lenders only?

Yes! You can get an unsecured personal loans for bad credit with an instant decision and no guarantor. At Personal Loans Now, you can apply no matter what your credit score is. We will never ask for a guarantor if you apply for unsecured loans. There are also no added fees. Apply now and let us do the hard work of finding the best suitable loan with no guarantor of between £2000 up to £25,000.

If you are looking for reliable unsecured personal loans for bad credit online, you can look into both brokers and direct lenders as long as you check that they are authentic by considering these two significant points:

  • That the website is secure.
  • That the direct lender is fully authorised and regulated by the FCA. (You should be able to find a clickable FCA number on the lenders’ website).

In this way, you can be sure that you are in safe hands. We are a direct lender but we also have access to unsecured loans for bad credit applicants from Monevo’s extensive panel of FCA direct lenders.

Can I get an unsecured loan with no credit check?

You may be tempted to opt for guaranteed unsecured personal loans with no credit check. But, remember that lenders offering these loan are not likely to be legal and authorised. By giving your private and confidential information over to a potential illegal loan company, you will be putting yourself and your finances at risk. Instead, search for bad credit unsecured loans in the UK. We will always do our utmost to ensure you get the right loan for your situation, regardless of your credit score.

  • Loans for people with bad credit
  • No guarantor needed
  • No application fee
  • Instant decision
  • Direct lenders panel



Personal Loans Now - make sure you can repay a loan before taking it out

Unsecured Loans for Businesses

Unsecured business loans in the UK are loans that don’t require security. This is a great funding option for businesses that don’t own many assets. For new businesses that don’t want to offer security, or for companies that are growing rapidly and require finance quickly. Personal Loans Now – a reliable and trustworthy direct lender, offer loans without security from £2000 up to £25,000 with an instant decision. You can use these unsecured loans to fund your business.

PLNOW explains about Business loans

Can I get unsecured business loans with Personal Loans Now?

PLNOW explains about Business loans

Where can I find the best unsecured business loans with low rates?

We don’t specifically offer businesses loans. However, we do offer unsecured loans that can be used to fund your business. To qualify for a loan from us you must be:

  • A UK citizen
  • Hold a UK bank account
  • You must be at least 18 years of age
  • Have a steady source of income

When applying with us you can be assured that we only work with direct lenders who are fully FCA authorised and have your best interests in mind.

Personal Loans Now offer some of the best loans rates available in the UK. Lenders that provide unsecured business loans are putting themselves in far riskier position than secured loan lenders who can sell the assets to replace the loan if anything goes wrong. Therefore loans without security will usually have higher interest rates attached. Even if you do find a lender offering low interest rates on unsecured business loans check to see if there are any hidden fees.

  • Unsecured business loan alternatives
  • Instant decision online
  • Best loan rates
  • No application fee
  • High acceptance rate



Considering Unsecured Loans?

3 Points to Consider Before Taking on an Unsecured Loan

  1. Is it necessary?
  2. If you need money urgently, it’s tempting to rush to apply for an unsecured short term loan in the UK. However, it’s very important to seriously consider if you really need to borrow the money.

  3. How Much Do You Need?
  4. Think carefully about how much you need. Don’t borrow too little because you will have to borrow again. On the other hand, don’t borrow to much because it will be more expensive.

  5. How Will You Repay?
  6. This may seem like an obvious point but many people forget to consider this. Take a serious look at your monthly expenses to ensure that you can afford the repayments.



Loans from Personal Loans Now

For many people in the UK, unsecured loans are the best option for obtaining credit. At Personal Loans Now, we promise to always do our best to ensure you get the right loan with no guarantor. Even if you have a poor credit score we won’t keep you waiting. You’ll receive an instant decision in just 90 seconds, with same day payout of £2000 up to £25,000 if approved. The interest rate is much lower than payday loans, and the monthly repayments are far more affordable. Better affordability means higher acceptance rate for people with both poor and bad credit. Apply now for an unsecured loan with an instant decision even if your credit history is far from perfect.



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Written by: Kylie Jenson
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