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Loans for bad credit

Loans for bad credit

Bad credit history? We could find you an affordable loan!

If you have been refused credit or only offered expensive finance elsewhere because of a poor credit history, then apply online now for a decision on a loan within an hour.

We have worked closely with our trusted lenders to specially develop products that can provide you with the finance you need, when you need it - whether for consolidation or another purpose. You could be very surpised at just how affordable our rates are compared to other finance options available.

Apply online now for a decision within an hour and see if you could be one of the 51% of customers that get a rate of 21.9% variable or lower!

Please be aware that when consolidating items of credit, whilst your monthly repayments may reduce, you could be extending the term and therefore the total amount of interest you will pay.

Representative Example: If you borrow £37,000 over 14 years at a rate of 17.60% variable, you will pay 168 instalments of £656.52 per month and a total amount payable of £110,295.36. This includes the net loan, interest of £69,410.36, a broker fee of £2590.00 and a lender fee of £1295.00. The overall cost for comparison is 21.9% APRC variable.

  • We could say yes to you!

    If you have a bad credit history, CCJs, Arrears or have recently missed repayments we could still help you get an affordable loan.

  • Reduce outgoings by £100s

    Consolidate other credit with just ONE low monthly repayment and you could  reduce your outgoings by £100s each month.

  • Affordable rates for homeowners

    At least 51% of customers receive a rate of 21.9% variable or less. Our maximum rate for customers with severe credit problems is only 32.8% APRC variable.

  • Low monthly repayments

    With a secured loan you can choose a plan that suits your finances. You can pay it off quickly or extend the term to reduce your monthly repayments – either way you are in control.

  • A decision in minutes

    No matter how you apply, you could get a decision on your loan within minutes. (During working hours.) We keep things quick and simple.

  • No credit search footprint

    Our soft credit search means you receive an immediate decision based on your criteria without affecting your credit score.

Apply now

To apply by phone call 01923 678 870 (8am - 7pm Mon to Fri, 9am - 12pm Sat.)

Loans for bad credit FAQs

Can I get a loan even with bad a bad credit history?

At Loans Warehouse we have loans for people with bad credit and use our experience within the secured loan industry to ensure that you aren’t penalised for not being perfect. Even people with the most severe credit problems are welcome and almost all circumstances are considered.

Have a question not listed here? Visit our FAQ section.

Please ensure you have read and understood all information before applying. 

To ask a question or apply

01923 678 8708am - 7pm Mon to Fri, 9am - 4pm Sat

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Bad credit Typical APR

  • Nikki has gone above and beyond my expectations on her service levels and I would have no hesitation in recommending your company.

    Nikki has gone above and beyond my expectations on her service levels and I would have no hesitation in recommending your company.

    Debbie, Ashton-Under-Lyne

  • Just wanted to drop you a quick line to say thank you for all your help securing the loan we requested. Throughout the process you acted professionally but seemed to care and helped us through each stage.

    Just wanted to drop you a quick line to say thank you for all your help securing the loan we requested. Throughout the process you acted professionally but seemed to care and helped us through each stage.

    Kevin, Portsmouth

  • Thank you so much for your help recently in sorting a loan out on our behalf. You we're really helpful, have a loverly manner which put us at ease, were very very efficient and made the whole process really simple.
You are a credit to your company.

    Thank you so much for your help recently in sorting a loan out on our behalf. You we're really helpful, have a loverly manner which put us at ease, were very very efficient and made the whole process really simple. You are a credit to your company.

    Steve & Caroline, Rugby