bad credit loans

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What are Bad Credit Loans?

Bad Credit Loans are designed for people with a less than perfect credit history. If you have been declined for a loan by high street banks, it is usually because you have a bad credit history.

Bad Credit Loans are similar to Unsecured Loans. However, the interest rates on them are usually higher. Most bad credit loans are for a small amount over a very short loan term. They are still subject to affordability and creditworthiness checks.

This form of credit can be expensive as a means of longer term borrowing, and is not suitable for sustained borrowing over longer periods of time.

Fill in our short application form and we'll do our best to find a loan for you from our panel of lenders, subject to affordability and creditworthiness checks.

Why Use US ?

  • We provide an no-obligation quote that won’t show on your credit report.
  • We will do the hard work and search for a solution that suits your circumstances.
  • We have over 1000 Independent reviews from Genuine Customers
  • Loans from £500 to £25,000
  • Rates from 7.1% to 99.9% APR

Representative example: - £3,000 over 3 years, representative 49.9% APR fixed. Monthly payment £146.39. Interest payable £2,269.91. Total repayable £5,269.91. Annual Interest Rate 41.2% fixed.

WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO: money-image

Loans up to £25,000*

4.9/5

We received this average score out of 5 from our customers

Very friendly and helpful service. Customer service great. Everything well explained. Rachel

All reviews are gathered anonymously from genuine customers. Take a look at some of the comments from people we've helped

Independent customer feedback

Advantages

  • Bad Credit Loans are obtainable if you have a less than perfect credit history.
  • You can get a Bad Credit Loan even if you have had missed repayments, a CCJ or defaults in the past.
  • Usually the turnaround time is quick. In some cases you can get the money within hours or the next day.
  • Making repayments on time can help you rebuild your credit history.

Disadvantages

  • Interest rates can be much higher.
  • It is not ideal to get Bad Credit Loans if you have several existing debts. Taking too many loans could get you in financial difficulty.
  • This loan is not ideal if you are looking to borrow high amounts.
  • If you were to default on the loan, this could have a negative impact on your credit score.
  • If your application is refused, this may also be logged on your credit file and cause further issues obtaining credit in the future.

* Unsecured loans available up to a maximum £25,000 subject to affordability and creditworthiness checks. Lenders will offer loans of up to £100,000 subject to affordability secured against property.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND STATUS. REPAYING YOUR DEBT OVER A LONGER PERIOD OF TIME MAY INCREASE THE AMOUNT YOU PAY.

WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO:

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The Click Advisor Ltd. is authorised and regulated by the Financial Conduct Authority (reference number 691797).Click Finance is a trading style of The Click Advisor Ltd., which carries out regulated credit broker activities and is not a lender.As a broker we process the information you provide us and pass this onto our trusted panel of lenders to help you to apply a loan.We work with a panel of lenders, therefore we may not be able to provide details of

every loan which may be available to you in the market.Some of those alternative loans may be available with more favourable rates or terms.

Contact us

FREEPHONE: 0800 088 2588

MOBILE: 01625 683 683

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Borrow between £500 & £100,000*

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