Do you need a loan to pay for an unexpected bill, but you’re worried about a low credit score? You’ve come to the right place! We are a bad credit loan direct lender! The Quick Loans Express Team specialise in helping people get approved for loans with all types of credit ratings. Apply now for up to £1,000 and get the money funded into your bank account within 1 hour, if approved. Don’t let your credit score get in the way of borrowing the money you need.


How our bad credit loans work:

  • Apply regardless of your credit rating
  • Our application form takes 3 – 5 minutes
  • Instant decision at the end of the application process
  • Money in your bank account within 1 hour of approval
  • Pay back our loans in monthly instalments
  • Pay back early and save on interest using the online login

Don’t waste your time on companies that offer loans for people with a less than perfect credit score but accept only one out of 1000 applications. No matter what your credit history is or past financial situations may be, we are here for you!

Borrowing Loans with Bad Credit

It’s often assumed that those with a low credit score cannot access borrowing such as payday loans. This isn’t always the case, however. Payday loans for bad credit are available and can be a way of securing additional funds in the short term to cover unexpected expenses. Past issues on your credit profile don’t have to hold you back from applying for a loan with us. We like to focus more on your current affordability.

Bad Credit Loans Online: What to Consider

If you’re looking into taking out bad credit loans online with an instant decision, then you should consider the following factors first:

  • Affordability

    Calculate what your incomings are each month, followed by what money you have going out. If too little money is left over each month to afford the loan repayments, really bad credit loans are probably not the best option.

  • Representative APR

    Direct loans for people with a poor credit history are available, but those with poor credit scores face higher APR’s (Annual Percentage Rate) and interest rates. Loans for a bad credit score are generally expensive and aren’t always suitable. Consider any alternatives such as secured loans and guarantor loans where the rates are significantly cheaper or assistance from friends and family. Low credit loans should only be used as a last resort. Cheap payday loans bad credit direct lenders in the UK are difficult to find.

  • Guarantor

    Unsecured loans for bad credit will sometimes require a guarantor to co-sign the agreement like regular guarantor loans. They will be equally liable for repaying the loan and must make any monthly repayments should you fail to do so. Not everyone has someone willing to be a guarantor, so consider this before applying for unsecured personal loans for bad credit and think about other alternatives. Credit cards can be an excellent alternative to hard to find cheap loans for bad credit.

  • Financial Help

    Short term loans with a less than perfect credit score can appear a suitable option to access emergency funds quickly. However, these loans can make recurring issues with debt even worse. If you feel you need help with your finances, then reach out. Independent charities such as Step Change can provide you with free debt advice.


Guaranteed Loans for Bad Credit

Very bad credit loans through direct lenders are available. Legitimate lenders will never guarantee to offer a loan. All FCA authorised lenders are required to perform a creditworthiness check on potential customers. These assessments are made to ensure a customer can make the monthly repayments without facing financial difficulties.

A bad credit loans direct lender in the UK may not focus too heavily on your poor credit rating. However, these affordability checks are in place to protect borrowers from financial difficulties.

At Quick Loans Express, we always do our best to consider all applications regardless of your credit score. Before applying, consider whether you can afford the monthly payments.

Alternatives to payday loans with a very bad credit record may be better for your situation. This includes overdraft facilities and credit cards. You may also want to borrow money from friends or a family member. You can apply for a bad credit loan through Quick Loans Express below if you still require emergency funding.

Bad Credit Loans UK Statistics

Here are some interesting statistics regarding loans for poor credit in the UK:

– In July 2021, borrowers paid £122 million in interest each day.
– By the end of July 2021, the average total debt per household (including mortgages) was £62,670.
– In July 2021, the total unsecured debt worked out to be £3,734 per UK adult.

How to Get a Loan with Bad Credit

Searching online for a payday loan bad credit direct lender will turn up plenty of results. These lenders make it easy to apply for a loan with a poor credit file. The application process can now be carried out entirely online.

Many direct lenders for bad credit loans will also offer a fast underwriting process and quick payout. Bad credit lenders will review your application and affordability assessment to determine whether you are eligible. Once your eligibility is confirmed, You will receive an instant decision and the money into your UK bank account within a few hours.

It can be hard to say which are the best payday loans for bad credit. All poor credit lenders will have different lending criteria and thus be suitable for different people. Carry out your research and avoid applying for multiple same day loans for bad credit in a short period. Numerous credit searches can hurt your score and make it even harder to get accepted. The best loans for bad credit will be the ones with an affordable repayment schedule.

Bad Credit Direct Lenders in the UK

Many direct lenders offer poor credit loans in the UK. When applying with direct lenders, you won’t pay any commission and will be provided with the best available interest rates. Direct lenders also remove the middle-man when applying for very poor credit loans. It’s usually recommended to take out bad credit loans with direct lenders only.

You can search online to find very bad credit direct lender loans. Check the details of the lender on their website to ensure they’re a direct lender. Also, ensure that they’re registered with the Financial Conduct Authority. Companies legitimately offering instant loans for bad credit must be registered with the FCA. The FCA is there to protect consumers from dodgy practices.

Poor credit loans from a direct lender can be a good way of accessing quick loans for bad credit. First, consider any alternatives to bad credit loans with no credit check. If you still require a poor credit loan, apply with us for fast payouts and fair interest rates.

Frequently Asked Questions about Bad Credit Loans UK

What are bad credit loans?

Bad credit loans are forms of emergency borrowing that are available to those with a poor credit score. There is no such thing as legitimate loans that are guaranteed. Those with a low credit score can still get a loan, however. Higher interest rates are usually applied to those with less than average credit histories.

Am I eligible for a loan with bad credit?

To apply for a loan with a poor credit history, with Quick Loans Express, you must meet the following eligibilty criteria;

  • Be living in the UK
  • Hold a UK bank account
  • Be 18 years +
  • Have a reliable source of income (i.e. benefits, pension etc.)

As long as we can see that you can afford the monthly repayments and that borrowing a loan won’t harm you financially, we will happily consider your loan application.

Where can I get small loans for bad credit?

Small bad credit loans are widely available in the UK. Many small loan lenders make it possible to apply online no matter your credit score and get a speedy payout of funds within a matter of hours.

How can I improve my credit score?

You can significantly improve your credit rating and increase your chances of getting personal loans and payday loans by cleaning up your credit report. You can get your credit report free from the three leading credit reference agencies in the UK. Sometimes small mistakes on your credit file can pull down your score and hinder your chances of getting a loan.