Today, I will be writing on the top 15 best instant loans for bad credit UK which can fit your need when you have an expected expenses and payday is still way ahead. If you are in the United Kingdon (UK) and ever get tight for cash and you are wondering if your poor credit history will prevent you from being able to access cash advances, assistance is available for individuals, families and homes in need.
People with credit histories that show past financial mistakes or those who haven’t had time to establish a credit history can be considered as bad credit. These loans in UK can either be unsecured or secured (backed by property such as a house or car). These loans have different terms, fees, and interest rates depending on the lender.
There are lending institutions, credit unions, and private lenders providing loans for bad credit UK, but each organization has a different standard for who qualifies as a “creditworthy borrower.” When seeking a loan, it’s crucial to compare all available lenders carefully because some have tighter restrictions than others. We have put together a list of 15 loans for bad credit UK that will provide you with the best deal.
Best Loans Available For People With Bad Credit In The UK in 2025
The most reputable lending platforms that give instant loans to people with bad credit or no credit check in the UK are THL Direct, Sunny, Lending Stream, Creditstar UK, My jar, Cash Float, Quick Quid and Piggy bank. With these applications, you can easily access quick loans to meet unexpected expenses until your next paycheck.
1. THL Direct
2. Sunny
3. Lending Stream
Since 2008, Lending Stream, a direct lender of short-term loans for bad credit UK has offered online borrowing options to UK customers. They operate under the GAIN Credit LLC brand and offer credit solutions under the Drafty trademark. Loan requests from new consumers can range from £50 to £800, while those from returning customers can reach a maximum of £1,500.
4. Creditstar
Financial technology startup, Creditstar, provides private individuals with flexible consumer loans for people with bad credit in the UK. They currently have over 1 million registered users and operate in eight different European nations. First time customers seeking for loans for bad credit UK can borrow up to £600 and repay it over the course of 30 to 6 months.
6. CashFloat
Cashfloat customers will have the opportunity to take out larger loans with longer terms. People with fair credit scores might use these loans to break the cycle of payday loans. It’s among the fintech apps that offers loans for bad credit UK. Loan decisions typically take up to 30 minutes during business hours. Funds will be transferred to your account the same day as long as you are approved. New customers seeking loans for bad credit UK can get up to £700 with 6 months repayments plan.
7. MrLender
Mr. Lender is a short-term loan company with its main office in Loughton, England, that provides people in need with quick access to small amounts of cash. The lender accepts all applicants and even offer loans for bad credit in the UK, but only those who can afford to repay the loans are given approval. Applicants who are seeking loans for bad credit UK can get up to £500 for a start.
8. QuickQuid
Enova International, a thriving online lending and analytics business with 11 brands operating in six nations, including the UK and the US, owns QuickQuid. With its headquarters in London, QuickQuid has given UK consumers over 1.4 million online short-term loans totaling up to £1,500. They offer loans for bad credit in UK and to some less qualified customers as well.
9. PiggyBank
PiggyBank offers quick, adaptable payday and installment loans for borrowers with bad credit in the UK, with terms as short as 7 days and as long as 5 months. If you choose to spread out the payments over a period of two months or longer, you would then make monthly payments, with each payment covering a portion of the capital (the initial amount borrowed) and the interest that has already accrued.
10. Peachy-Loans
Peachy-Loans is a short-term installment loan provider for customers with poor or bad credit in UK who require a sudden need for cash, either between paychecks or to handle an emergency. New users may apply for loans with amounts ranging from £100 to £1,000. If your application is accepted, you can choose to repay over a period of one to twelve months.
11. Swift Money
Fast short-term loans are available from Swift Money, a growing payday lending broker, however due to the service’s high interest rate, it should only be used as a last choice. Warning: Making late payments could put you in significant financial trouble.
With one of the fastest and most effective loan processing methods available, Swift Money is able to offer exceptionally high approval rates to individuals seeking loans for bad credit UK of up to £3000. You can have the loan amount placed into your bank account in as little as 10 minutes after receiving approval from one of our lenders.
12. Money Boat
MoneyBoat might be able to assist you if you are thinking of submitting an application for a payday loan. It is the direct lender that is trustworthy, open, and accommodating, providing short-term loans for bad credit UK at an interest rate of 0.7 percent daily as opposed to the more typical 0.8 percent demanded by other lenders (which is the price cap set by the FCA).
13. Cashasap
With their online service, you can apply for a loan across a variety of timeframes, allowing you freedom over the amount of your repayments and letting you choose the option that best suits your needs. They provide two different credit products: payday loans and long-term loans for bad credit UK.
First-time users seeking loans for bad credit UK are only eligible for a £400 loan. Depending on successful repayments and continuous eligibility for a cashasap.co.uk loan, this ceiling may increase to £750. You can apply for a payday loan with a maximum term of 35 days or a loan with a maximum term of 6 months.
14. Viva Loans
A viva loan can be a viable alternative to think about if you ever find yourself in a dire circumstance and in serious need of loans for bad credit in the UK. A few hundred pounds can help you find a solution. Consider medical crises, unexpected travel costs, auto repairs,among others– Vivaloan online marketplace can provide a way out in terms of personal loans that collaborates with numerous lenders to offer loan alternatives with values ranging from $100 to $15,000 with no credit check.
15. Loan Pig
When it comes to short-term loans for bad credit UK. LoanPig serves as both a credit broker and a direct lender for borrowers who require assistance managing an unanticipated financial emergency. Application procedures are short and simple. Customers can borrow between £50 and £1,500 for a term of 1 to 12 months with an advertised APR of 1261 percent (a daily interest rate of 0.80 percent).
Conclusion
Loan companies are aware that even those with extremely low credit scores occasionally need to borrow money. Customers now have a more encouraging response when they inquire, “Can I acquire a loan with a negative credit history?”
If you need a loan to cover unexpected expenses like a car repair bill or a heating engineer cost because your boiler broke down, loan providers will still give you access to favourable loans for bad credit UK, Although a few providers might still insist on minimal amounts for a start.
