Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £134.10 at a fixed interest rate of 34.05%. Total interest payable at £1,827.60, meaning the total repayable after 36 months is £4,827.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

..Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £134.10 at a fixed interest rate of 34.05%. Total interest payable at £1,827.60, meaning the total repayable after 36 months is £4,827.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances

Borrow from £1000 up to £25,000 in 3 quick steps

  1. Give us some information about you
  2. Find out immediately if our lenders approve
  3. Get money the next working day!

Beat your bad credit problem

Guarantor Loans could enable you to get an unsecured loan, even if you have a poor credit history.

Providing a guarantor reduces the reliance on your credit score. Guarantor loans are popular as you can borrow between £100 and £15,000 with a close friend or family member guaranteeing your loan repayments.

Guarantor loans are much cheaper and more flexible than other types of loans if you have a bad credit history.

Our no fees enquiry service will allow you to compare lenders' offers. Typically people who use our free service will receive 3 to 4 loan offers in principle. And the deals are the same as going direct!

You'll save time and will be able to quickly choose the loan that you think is best for you.

How It Works

No fees

Save time and quickly choose the loan that you think is best for you.

No credit score impact

You’ve had enough of your credit score affecting your borrowing.

Poor credit rating

Your credit rating is very poor or you don’t have a credit history.

Improve credit rating

Improve your credit rating by getting a loan and then successfully repaying it.

Cheaper small loans

You want a short term cash loan at a lower cost than instalment and payday loans.

Refused credit

Our lenders can accept enquiries that many others will not.

FAQs About Having Bad Credit

Our credit scores are based on our credit history – a record of our ability to make regular, timely repayments over a period of months and years. So, if you’ve ever missed a mortgage payment, if you’re new to the UK, or if you’re simply too young to have built up a decent credit record, it can all add up to bad credit.

Whatever the reason, a poor credit rating can often be a huge impediment to securing a loan, and, as a result, you may see very bad credit loans as your only real option. But there are alternatives.

Here, at Now Loans, we can help you find quality, long-term financial solutions, whatever your circumstances.

  • With our trusted panel of lenders, you’ll have the peace of mind that your finances are in good hands.
  • Guarantor loans allow customers with a poor credit rating to borrow up to £15,000.
  • And, with our fast, free, no obligation service, you can check your eligibility at the touch of a button.

Bad credit loans or poor credit loans have had a bad press over recent years, and it’s easy to see why. They’re often associated with less-than-reputable companies targeting individuals who have nowhere else to turn, offering short-term financial solutions at wildly inflated fees.

Here, at Now Loans, we do things differently. We offer a range of realistic, medium to long-term options through our highly-reputable third-party lenders, and, with their strict affordability checks, you’ll have the peace of mind that you’ll never borrow more than you can afford to repay.

Our service is safe and secure, and, even with a poor credit rating, you may still qualify.

Whether you’re looking to consolidate an outstanding debt into a more manageable sum, or you’ve just been hit with an unexpected bill that you can’t afford to repay; whatever your situation, Now Loans is here to help.

You don’t need a spotless credit history to apply, the process is quick and easy, and you could have the money in your bank account the very next day.

So what are you waiting for? Just fill in a few personal details, and our online enquiry service will do the rest.

If you’ve ever been refused a credit card, a phone contract, or even had trouble getting an overdraft extension from your bank, chances are you have a poor credit rating, and, when you need cash in an emergency, it can be a frustrating process. Banks and building societies rarely approve loans for people with bad credit and you may be left tearing your hair out, wondering what to do next.

But don’t worry, because here, at Now Loans, we’ll do our very best to help:

  • Our free, impartial service is designed specifically to assist those with a poor credit rating.
  • Our select panel of lenders is dedicated to finding you a great financial solution, whatever your needs.
  • And, our lenders will work closely with you to find an affordable repayment plan that won’t break the bank.

So, if you’re at your wit’s end trying to figure out how to get a loan with bad credit, our free, no obligation service might just be the answer.

Your credit score is based on your credit history and ultimately determines whether or not you can qualify for anything from a current account to a mortgage. So, if you’ve ever had any financial difficulties, such as unpaid bills, late payment fees or CCJs, it’s highly likely you have a low credit score.

Here, at Now Loans, our lenders specialise in providing financial assistance to those who need it most, so, even if you have a poor credit history and you’ve been turned down for loans or credit cards in the past, it’s always worth checking your eligibility.

Our application process is quick and easy, and we’ll usually have a decision for you in principle within a matter of minutes. At Now Loans, we’re dedicated to helping you find a long-term solution to your financial worries, and, if you’re looking for a 12-month to five-year loan, whether you have bad credit or not, our trusted third-party lenders will do everything they can to provide you with the ideal fit.

By law, we’re all entitled to see our own credit file, and, if you’ve ever been refused loans or credit cards in the past, it’s always a good idea to find out why. Credit reference agencies, such as Experian and Equifax, allow you to check your credit score online, but, while some offer their services free of charge, you may still have to subscribe to their website to get the information you need.

Alternatively, for a small fee, you can obtain your Statutory Credit Report. This contains all the info that lenders use when they’re assessing your eligibility for various financial products and services.

If you’re still unsure whether or not you can qualify for a loan, you can check your eligibility with our free, independent service. It only takes a few clicks of the mouse, and we could have a decision for you in principle in just a couple of minutes.

Estimate your loan repayments

Use our loan calculator to work out your estimated repayment options

Repaid over how many months?

Estimated Repayments

Monthly repayments £
Total repayable £
Representative APR %

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.

Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £134.10 at a fixed interest rate of 34.05%. Total interest payable at £1,827.60, meaning the total repayable after 36 months is £4,827.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

..Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £134.10 at a fixed interest rate of 34.05%. Total interest payable at £1,827.60, meaning the total repayable after 36 months is £4,827.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances