Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. You can compare our loans to other short term lenders.

Loans for Bad Credit

Do you have bad credit or looking for a bad credit loan? Lending Stream could help! We consider every application, even if you have a low credit score. Apply for a bad credit loan of up to £1500.

Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.

£ 50
£ 1500
Duration
6 month
Amount Borrowed
£ 300.00
Total Interest
£ 278.36
Monthly repayable
£ 96.39

Representative 1271% APR

Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total.

Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk.

Excellent

Based on 18,381 reviews

Very good company

Very good company, it's easy to fill out the application, everything is written well and clearly and the money is quickly in your account. The company is worth recommending

Grzegorz Komajda, 24 November 2023

Showing our latest reviews

Very easy to apply

Very easy to apply, couldn’t have been more simpler to be honest and the money was in my account in less than a minute 10/10

Leona, 18 November 2023

Poor credit rating no problem

Quick and easy to apply

Kim, 25 November 2023

FAQs – loans for bad credit

What’s the easiest loan to get with bad credit?

The easiest loan to get with bad credit may depend on individual circumstances and lenders’ criteria. However, some options to consider could be payday loans or instalment loans from specialised lenders who serve to individuals with poor credit history. It’s important to note that these loans often come with higher interest rates and fees. So, it’s important to carefully consider the terms and affordability before proceeding.

Can I get a bad credit loan with no credit check?

Reputed lenders do not offer bad credit loans without credit checks. They prioritise responsible lending practices and comply with FCA regulations, which require thorough affordability assessments. It is important to work with reputable lenders to ensure fair lending practices and to have the opportunity to rebuild credit history through responsible borrowing and timely repayments.

Why does a poor credit rating make it more difficult to get a loan?

A poor credit score makes it more difficult to get a loan because lenders consider it a higher risk to lend money to someone with a bad credit history. They are less likely to approve a loan application from someone with bad credit or may offer less favourable terms, such as higher interest rates or lower loan amounts.

How fast can I get a loan for bad credit?

At Lending Stream, we’ll send the cash to your bank in under 90 seconds if approved. However, times may vary between lenders.

Can I borrow money with very bad credit?

Yes, it may be possible to borrow money even with very bad credit. There are lenders who specialise in this. We understand that having very bad credit can make it challenging to get approved for a loan. This is why we consider factors like affordability, credit score, age, nationality, income, and employment status to check your eligibility.

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