Loans for bad credit

Instant decision loans from
£100 to £5,000

  • ✔ Free and No Obligation Quote
  • ✔ No Impact on Your Credit Score *
  • ✔ Loans for all Credit Types
How much would you like to borrow?
£500
Over how many months?
3
6
12
18
24
36
Will you be accepted?

Representative 49.9% APR. Representative Example: Borrowing £1,000 over 12 months, repaying £103.06 per month, total repayable £1,236.72. Interest rate 49.9% (variable).

At Instaloans, we've made it as straight-forward as possible for people with a poor credit history to quickly find the loan they need. 

We use a smart consumer application system to enable you to make applications to a number of loan providers and brokers using a single online application form without leaving a footprint on your credit file.

Our form takes just a couple of minutes to complete and you are under no obligation to proceed with any quotes or offers received.

You could have the cash you need in your bank account within just 15 minutes**.

Our site allows you to access a range of loans, same day loans, bad credit loans, short term loans and doorstep loans.  You only have to complete our smart application once and we’ll then find the cheapest lender that is likely to approve you.

Loans from our lenders can benefit a broad range of people.  Borrow up to £5,000 and receive cash same day with Instaloans, a direct loan broker, authorised by the Financial Conduct Authority (FCA).

What are short term loans for Bad Credit?

A short term loan is an unsecured loan that is sometimes referred to as a payday loan. These loans are available to anyone over the age of 18 years old who lives in the UK and has a regular income.

If you have a poor credit score, it shouldn’t mean that you’re unable to find an affordable loan.  Our website helps people with a poor credit history search for loans without leaving a footprint on your credit rating.*

A short term loan for people with a poor credit history could help you if you need a lump sum urgently or in an emergency. Our Instaloan service matches customers with lenders who specialise in providing loans to people with a poor credit history.

Positives

  • Receive cash in as little as 15 minutes**
  • Loans for any purpose
  • Confidential and secure site
  • 100% online process
  • No hidden charges
  • No footprint on your credit file or impact to you credit rating*
  • People with a poor credit history accepted

A short term loan or bad credit loan can help to sort out an emergency or short term financial problem.  There are many benefits associated with short term loans. Our site allows you to access a range of loans and you only have to complete our smart application once and we’ll then find the cheapest lender that is likely to approve you.

Disadvantages

Short term loans can help in an emergency financial situation. However, this type of loan may not always be the best option. Some short term loans can be a more expensive way of getting money quickly if you choose the wrong lender for you and your circumstances. Please also be aware that if you were to miss a payment, additional fees and charges may be applied by the lender, so it’s very important that you make sure that you can afford any loans that are offered to you.  Missing payments on an ongoing basis will damage your credit rating.

It is sometimes said that interest and fees charged on short-term loans are high.  In reality, lenders must follow strict rules and regulations. Lenders cannot apply unnecessary fees as payday loans are capped at 0.8% per day; this cap means that borrowers cannot be asked to pay more than double the amount they initially borrowed. During a financial emergency, short term or payday loans are available to provide assistance.  Excessive short term loan debts can result in serious money problems; for help go to https://www.moneyadviceservice.org.uk/

Apply now

A short term loan for people with a poor credit history could help you if you need a lump sum urgently or in an emergency. Our Instaloan service matches customers with lenders who specialise in providing loans to people with a poor credit history.