Bad Credit Loans

Bad Credit Welcome
Same Day Funding
Direct Lender
Up to £2000
Decision in 2 minutes
* Warning: Late repayments can cause you serious money problems. For help, go to
Representative APR 696.83% PA (fixed) 74.19%. Example: Borrow £700 for six months. Repay £1219.32 with six monthly payments of £203.22.
Our APR includes all applicable fees. Total cost is capped at 100% of the amount borrowed. Daily interest is capped at 0.8%.
APR rates vary from 690% to 1100%. Loan periods between 3 and 6 months. Early repayment is possible at any time without an additional fee.
To compare our loans click here.

Do you have poor credit history but need money fast? You might need to consider a small loan for poor credit. Although bad credit loans have higher rates, they are quick to apply for and can help improve your credit rating, if paid on time. Our loans range from £250 up to £2000*, and you can get the money in an hour if approved. Apply now and get an instant decision!

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Bad Credit Loans

Are you trying to find a loan for bad credit in the UK? You have come to the right place! Quick Loans Express is a UK based direct lender offering loans for bad credit. Having bad credit does not mean you have to settle for less! We know that improving your credit score takes time. This is why we approve loans for people with poor credit even though some other lenders don’t. We look at every application individually to try and see the person behind the credit report. To apply, you need to:

  • Be at least 18 years old
  • Have a steady income
  • Be a UK resident
  • Have a UK bank account
Apply now for an instant decision bad credit loan!

Loans For Bad Credit No Guarantor

Loans For
Bad Credit No Guarantor

Applying for a secured loan for bad credit means you have a higher chance of approval. But, if you don’t want to risk collateral with a secured loan, or you’re not interested in co-signing with a guarantor, you’ll need to look for loans for poor credit without anyone backing you. The good news is that ALL of Quick Loans Express’s loans for poor credit do not require any kind of collateral!

Can I get cheap loans for bad credit and no guarantor?

No guarantor loans are an unsecured form of credit, making them more expensive than secured loans. However, you can still compare unsecured lenders to see which ones offer low APR loans for weak credit scores.

At Quick Loans Express, we offer quick loans for bad credit from a direct lender that have an APR varying from 690% to 1100%. Our cheap loans for bad credit can be funded to your bank account on the same day, if approved. Bad credit loans are as fast as any other online loans. They usually also provide the same loan offers like an instant decision and same day funding.

Can I get loans for bad credit on benefits?

When it comes to getting approved for unsecured loans for poor credit, affordability is key. This means that even though you might have very bad credit, if you can prove that you have a good income from a job, benefits or someplace else, there are lenders who will lend to you without a guarantor. Just be aware that when applying for loans on benefits with bad credit, you may well be asked to provide copies of your bank statements or payment slips. Even if you are unemployed or in receipt of benefits and you have poor credit, you can apply for a loan with

No Guarantor Needed – Apply now!

Loans for Bad Credit Direct Lenders

Loans for Bad Credit Direct Lenders

Quick Loans Express is an FCA authorised and regulated direct lender authorised and regulated. All our loans for bad credit are funded directly from our bank account to yours.

If you need a loan but your credit report is weak, don’t try to hide your credit score by searching for no-credit-check loans. Instead, find an FCA authorised direct lender that specialises in providing loans for people with bad credit. Some direct lenders provide payday loans, short term loans and even personal loans for people with low credit. Just keep in mind that an FCA authorised direct lender will always need to perform a credit check. (The only exception may be for guarantor loans).

How can I find loans for bad credit with a CCJ from a direct lenders?

Having a CCJ on your credit report can hinder your efforts in obtaining a loan. As there are not many direct lenders willing to lend to people with poor credit, loans for very bad credit from direct lenders will advertise that they accept very poor credit clearly on their site. Convenience lenders like Quick Loans Express will not require any paperwork from you. So, you should find applying for online loans for bad credit easy, even if you have CCJs on your credit file.

Can I get long term loans for bad credit from direct lenders?

Usually, loans for poor credit are unsecured and don’t span over a very long time. However, you can find direct lenders that offer long term poor credit loans, such as 12-month loans for bad credit with no guarantor. Before borrowing long term loans for bad credit in the UK, make sure that there isn’t a hefty early repayment fee. Long term lenders usually rely on the extra interest that they make on loans that have a long duration. At Quick Loans Express, we offer instalment loans for bad credit that you can repay in up to six instalments.

Apply now!

Bad Credit Loans Online Instant Decision

Bad Credit Loans Online Instant Decision

We know that when you apply for a loan with us, you want to get that loan fast. This is why we offer instant decision loans UK for people with bad credit, as well as for people with good credit. Maybe once bad credit meant that no creditor will lend to you, but now, you can easily apply for online loans for poor credit and still get all the benefits that a person with a good credit history gets. For example: instant decision; same day funding and 5-star customer service.

How to get a payday loan with bad credit?

It is very easy to get a payday loan with bad credit with Quick Loans Express UK. It is no different than applying without poor credit. Our application form for our bad credit payday loans is simple and easy to fill out. It takes less than 5 minutes. We ask you to fill out a few personal details, and you will also need to select how much and how long you need the loan for. After submitting the bad credit application from, we will give you an instant decision and if approved, receive your payout today.


Is it worth it to consolidate my debts if I have bad credit?

Debt consolidation loans for bad credit are available from various direct lenders throughout the UK. Although consolidating your debts may sound ideal as you are only paying interest on one loan, it’s not always the best idea. Because of the nature of debt consolidation loans, they can sometimes work out more expensive than what you are already paying. The best thing to do is manually calculate how much you will repay on your debts with and without debt consolidation to make a sound decision. If you decide that consolidating your debts works out to be cheaper, find a bad credit from a direct lender that is right for you.

Apply now for a bad credit online loan!

Bad credit loans alternatives

Bad credit loans alternatives

If you need a loan quickly, and you’re worried about your poor credit score, bad credit loans are not the only option available.

  • Personal loans– Obtainable from banks, have a lower price range but may be harder to get approved for.
  • Guarantor loans – Much easier to get approved for, are cheaper than bad credit payday loans but the process is a bit longer and more tedious.
  • Secured loans – Similar to guarantor loans, these are cheaper and easier to get approved for with bad credit but the risks are higher in cases of default.

We always encourage you to explore all your options before signing any agreement. In some cases, Quick Loans Express poor credit loans may be an excellent option for you

Personal Loans for Bad Credit from Quick Loans Express

Personal Loans for Bad Credit from Quick Loans Express

Quick Loans Express offers installment loans for bad credit, bad credit payday loans, bad credit short term loans and even longer loans for people with bad credit score. Get up to £1100* with no guarantor from an FCA regulated direct lender. Remember, with Quick Loans Express you can get all these goodies with every application:

  • Instant decision
  • Same day funding
  • 24/7 access to your account

Apply now and get the service you deserve!

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