Small Loans for Bad Credit

Little loans from £100 - No need for a perfect credit record!

Apply Now!

100% Secure Online Application

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed).Representative 669.35% APR (variable).

Warning: Late repayment can cause you serious money problems. For help, go to

Cobra Payday Loans Hero

Get Quick Cash

Apply Today for a Small Loan for Poor Credit – Loans From As Little As £100

It can be frustrating when you try to sort your life out financially but keep getting knocked back by your bad credit record. If you find yourself in a situation where your credit is less than stellar, it can feel like you are trapped in a black hole, and nobody seems to want to help you out. Of course, you want to keep your head above water, but whenever you think you are on the way out, interest payments or cash flow conspire to pull you back in, and you end up even worse than before. That is where we come in. We specialise in arranging small loans for those with bad credit so that you can take your first steps to financial freedom. Sounds too good to be true? Let us take a look at what we do and how we can help you.

On Your Side

Because banks can’t have everyone talk to their bank manager every time they need a loan, they rely on credit reports to give them the lowdown on whether we’re good candidates for lending. That is not a problem for many people, but for people with a bad credit history, it can make it difficult or impossible to access credit. Thus, something that many people take for granted, such as loans for emergencies and essentials, are out of reach. It can also lead to a so-called spiral of debt, where the interest payments on your existing loans cost so much that you cannot afford to pay them down, and they keep getting larger. Consolidating your debt could be a solution, but the banks will not lend to you, and it feels like you can never get out.

While it can sometimes seem that the banks are not on your side, you can turn to our friendly team to help you out because we have always got your back. We do not put you in the same little boxes that banks use to judge you, and instead, we treat every single loan application as a blank slate, using the information you give us to link you up with a trustworthy and helpful lender who can get you the money you need. It really is that easy. Just fill in our forms honestly, and we will do the legwork to find you that small loan for bad credit that can make a world of difference.

have bad credit? - no problem

Why Small Loans?

You might be asking yourself, why get a small loan? There are loads of great reasons why getting a small loan can be quick and easy and can make a world of difference. For one thing, this type of loan is perfect for life’s little emergencies when you do not have the ready cash saved to pay for them out of pocket.

Your car packs in, your boiler breaks down, your roof gets a leak or your youngest needs a new school uniform. These are everyday situations that may seem small but can make a big difference to our finances if we cannot cover the cost. Normally, if you cannot afford the expense, you will be forced to get a high-interest loan or go without. But that can lead to further complications such as no hot water or inability to get to work and get yourself into even more trouble.

Small loans for bad credit are also a great option if flexibility is what you need. While many high street banks will be strict about how much you can borrow and how long you can pay it back over, sometimes forcing you to borrow more than you need and to pay it back over a long period, you can often specify exactly what you need with a small loan. Need £200 to get you to the next payday, and want to pay it off in a month? That is no problem. Need £900 to fix the boiler, and you want to pay it off over six months? That is fine too. You set the amount. You set the time period. We tell you how much it will cost. You are totally in control.

We are also totally flexible about exactly what you use your small loan for. Some banks will not only ask to know why you are taking out a loan and decide whether to give it to you based on your answer, but they will also often make you spend it on the thing you said you would if it’s a debt consolidation loan. We are not like that. We understand that life is tough, and some things happen that require money to fix, and we will help you get a loan regardless.


What Our Customers Say About Us

What Types of Small Loans Are There?

We have talked about how flexible small loans are, but what exactly counts as a small loan, and what types of small loans are there? One of the great things about small loans is that there are many different types for lots of different situations depending on what you need. So let us look at some of the most frequently used examples.

Payday Loans

You may have heard all kinds of scary stories about payday loans, but we are here to reassure you. We would not be in the business of brokering payday loans if we thought they were bad, and there are loads of situations in which a payday loan is great if you use it right. A payday loan is literally a small loan designed to get you through until your next payday (hence the name) and usually consists of a couple of hundred pounds at the most. You must repay payday loans within a month, and you cannot borrow large amounts of money, but the positive thing about them is that you know exactly how much the whole loan will cost you ahead of time. No debt spiral, no surprise payments, just a small lump sum to pay back at the end. These are great for small emergencies or bills you cannot pay because of an emergency you had to fund. Remember, you must pay the full amount back at the end of the month, or you can find yourself in serious financial difficulty.

Small Personal Loans

Small personal loans are like the normal bank loan you are probably familiar with, except they are smaller and more flexible. As with payday loans, you can usually choose exactly how much to borrow and how long for, and because they are small, you probably will not have to do a hard credit check either, keeping your score safe. Unlike payday loans, you can borrow larger amounts, usually up to £1,000, and you have longer to pay them back, though the downside is that you will be paying for longer, and there is a greater risk of missed payments as a result. These are better for people who would like to borrow more for a longer-term one-off project and are confident their finances will be secure for several months.

Other Kinds of Loan

There are plenty of other types of loans out there to suit your circumstances, so do not worry if the options above do not sound perfect for you. There are guarantor loans, where someone else agrees to pay the debt if you default. There is line of credit loans, which work a bit like credit cards in that you can constantly top up your loan. There are also bad credit credit cards, which you can use just like a normal credit card even if you have had bad credit in the past. Just be wary of companies seemingly offering no credit check payday loans, as obtaining such a loan is not possible in the UK given the stringent regulation companies must adhere to.

Ready to apply?

Borrow from £100 to £5000

Why Choose a Broker?

We are a broker, not a lender, which means that we do not lend you the money directly. Instead, we just set you up with one of many hundreds of great lenders who can. You might be wondering why you would do that when you could get a loan direct, and it is a good question, so here is why you should choose us as your broker.

As a broker, we have access to a panel of 30+ lenders that offer loans for bad credit. You might be familiar with the high street banks and a couple of other lenders, but we know thousands, including some that only brokers like us can talk to. That means there is a much greater chance that we can find you a loan and a loan at a great rate of interest you wouldn’t be able to beat anywhere else.

A second advantage to working with a broker is that we have a speciality in small loans. That means we are in contact with lots of lenders who lend specifically to people just like you who have not secured credit from traditional lenders. These are loans that can be difficult to find yourself, thanks to our excellent working relationship with various lenders.

A third advantage to working with a broker is the hassle it takes off your hands. Finding a loan yourself means hours of filling in forms, sitting on the phone, doing the sums and then waiting, often to get rejected with a bad mark on your credit history! However, when you go through us, we work for you. We are tireless in the pursuit of your perfect loan, and we do not stop until we get you exactly what you need, whoever we must go to find it. Furthermore, we know all about your situation, so we can make a great case on your behalf to the loan company, meaning we will likely be successful even if you have not had any luck.

Another great reason to use a credit broker like us for your loan is your security. It is a jungle out there, and you cannot always be certain that the people you are going to for help are genuine or will play by the rules. Choosing a great deal offered by a scammer can make a bad situation much, much worse, and it can be hard to know who to trust. We are authorised and regulated by the FCA, which means we must stick to strict rules on honesty and fairness, and we do not work with anybody that we do not trust. That way, using us is an extra layer of protection against the bad guys, and we will always have your back in the world of finance.

why chance it - use a trusted fca authorised company

How to Get Help

We passionately believe that credit should be used to help move you forward in life, not hold you back, but sometimes people can get in over their heads where finances are concerned. It is important to remember that small loans for bad credit are not intended to be used as a long term or regular solution, and if you find yourself relying on small loans too often, it could mean you have a problem. It is all too easy to get into a bad debt spiral, using one loan to pay off another until you find that your repayments are more than you make in a month, getting you into a position where you miss payments and damage your credit rating further. This can lead to having items such as your furniture or your car being repossessed and can even lead to losing your home.

If you are in a situation that sounds like this one, you must get help as soon as possible so that the problem doesn’t become unmanageable. There are plenty of charities and government organisations out there in your local community and at a national level that can help you plan to bring your debt to a sustainable level and stop the cycle of bad debt before you’re overwhelmed. Organisations like Step Change, the Citizen’s Advice Bureau, National Debtline and others have staff trained to help you however they can, free of judgement. Finance is supposed to open doors, not close them, so make sure you begin your healthy relationship with lending in the right way.