Bad Credit Loans | All Credit Considered | QuickLoansExpress

Bad Credit Loans

Are you worried about your poor credit history? We consider all applications even with a bad credit score. Get approved for £300 - £1500 today.
Decision in 2 minutes
Up to £1,500
3 to 9 months
832.04% Representative APR
Repay early and save
Representative example: Borrow £700 for 5 months. 1st monthly repayment of £235.80, 3 monthly repayments of £235.80, last monthly repayment of £235.90. Total repayment £1,179.10. Interest rate p.a. (fixed) 222.79%. Representative APR 832.04%. Our APR includes all applicable fees. Daily interest is capped at 0.798%. To compare our loans click here.
Warning: Late repayments can cause you serious money problems. For help, go to

If you have bad credit, but need money fast, you can try applying with an online lender. We offer loans between £300 and £1,500 that can be paid over 3 to 9 months (though you can pay earlier at any time and save on interest). Don’t let your credit score get in the way of borrowing the money you need! Apply now and get the money within 1 hour of approval.

Img 01 What is it

Loans for people with bad or no credit history

Img 02 Who is it for

People who live and work in the UK

Img 03 Amounts

£300 to £1,500 (in increments of £50)

Img 04 Duration

Pay back our loans in installments of 3 to 9 months

Img 05 Approval rate

Apply regardless of your credit rating

Img 06 How to apply

Fill out our online form and get an email reply

Img 07 Requirements

Be over 21 and have UK payslips

Img 08 Good to know

Repay early with no penalty and save


Will I get my loan fast even though I have bad credit?

It’s easy to think that because you have bad credit, it will take us longer to approve your loan. At QuickLoansExpress, we fund your loan fast, no matter what your credit score. Here are some benefits of applying with us:

  • We approve people with bad credit just as fast as we approve people with good credit

    We wouldn’t blame you for thinking that people with bad credit take longer to approve than people with good credit. However, because our loans are designed specifically for people with all credit scores, all pre-approved applications take an average of 3-5 minutes to approve (assuming we don’t require any supporting documents).

  • You get the same interest rate, no matter what your credit score

    We know that traditional lenders adjust their interest rates according to a person’s credit repayment history. With us, all borrowers get the same interest rate – regardless of their credit history.

  • The same rates and terms are available to all borrowers

    Whether you have good, fair, or bad credit, all borrowers have access to the same borrowing terms. Regardless of your credit score, if you pay your loan with us on time, you may get access to higher loan amounts in the future – subject to affordability checks, of course..

Remember, no matter what your credit score, you can apply with QuickLoansExpress as long as you fulfil our basic eligibility criteria.

Who can apply for a bad credit loan with us?

Regardless of credit score, we do have some basic criteria you need to fulfil to apply for a loan with us. You need to:

Be a UK resident

Have a valid UK phone number

Have a UK bank account

Get a net monthly salary of at least £1000 per month

Click here to apply if you meet these criteria

What other types of loans are available if I have bad credit?

Since bad credit loans come in small amounts and with high-interest rates, there are other ways to borrow that you should consider first:

  • A guarantor loan is when someone else makes your payments for you if you can’t. If you’re looking for a loan, having a guarantor with a good credit score can help you get one at a lower interest rate or with an increased limit. However, being a guarantor means risking your own personal property by taking out a loan for someone else.

  • A secured loan is when you use something valuable (your house, car, etc.) as security for a loan. If you don’t pay back the loan, then the lender can take possession of the item used as security. However, if you’re willing to take on some additional risk, lenders might be willing to give you better terms or larger amounts than you would normally qualify for.

  • You might be able to get a loan from a credit union. They’re non-profit organizations who’ll consider factors outside of a bad debt history when deciding whether to give you a loan. Some credit unions limit their memberships to people living in a particular region or belonging to a specific occupation. Others insist you must pay back your loans first before they’ll lend you any money.

  • Budgeting loans – if you’re on benefits, you may be able to get an affordable, no-cost, zero percent APR budgeting loan from the government. You can claim up to £812 for essential items including clothes, rent, and groceries. You need to claim certain benefits to qualify for them. You can apply for help by visiting Gov.UK.

  • If you need to borrow a small sum of money but don’t mind paying it back quickly, then credit builder credit cards may be for you. Credit builders act just like any other type of credit card. The key difference is that your credit limit might be lower, and you may pay higher interest charges than a normal credit card. However, if you use it responsibly, you can build up your good standing with lenders and banks, which means you’ll be able to get better rates on loans and bank accounts in the future.

  • A prearranged or an authorised overdraft can give you some flexibility but should only be used when needed because there may be high costs associated with them. It’s also unlikely that you’ll be able to get as much money from an overdraft than from a loan. On the positive side, you can clear your overdrawn account whenever you want. If your credit rating is bad, however, you might not get any overdrafts at all.

If none of these options work, you might consider borrowing from family or close acquaintances. If you’re not sure whether you’d qualify for another type of loan, this might be an option worth considering.

What to expect from our loan process

  1. Two to three minute application

    You’ll need to take a few minutes to fill out your details on our application form. We’ll ask for basic personal information as well as work and income details and banking information.

  2. Get an initial decision

    We’ll run some basic checks and you’ll get a first decision. This takes about 90 seconds.

  3. Get funded

    If you’ve been approved, you’ll get funded within a few hours. If we need supporting documents, you’ll be directed to a screen showing you exactly what we need from you. Documents can be submitted 100% online. Once we have all the information we need, we’ll make a final decision and you’ll be funded within just a few hours – subject to approval.

Apply now!

Frequently Asked Questions

How can I check my credit report?

You can get your report free from the three leading agencies in the UK. Sometimes small mistakes on your file can pull down your score and hinder your chances of getting a loan. Never search for ‘free credit report’ on Google! Instead, search for Credit Karma (for Transunion – previously CallCredit), ClearScore (for Equifax) or CreditExpert (for Experian).

How can I improve my credit score?

To boost your credit score, start by making on-time payments for all bills and reducing outstanding debts, especially high-interest credit card balances. Maintain a credit utilization ratio below 30%. Avoid closing old credit accounts, as they contribute to your credit history length. Diversify your credit types, limit new credit applications, and regularly review your credit report for errors. Responsible credit use over time can enhance your score, and seeking professional advice when needed can help guide your efforts. Remember, improving your credit score is gradual and requires consistent financial responsibility!

Can I get a loan with no credit check?

Payday lenders are recommended to check the credit of all applicants. You should keep far away from lenders offering loans with no credit check and guaranteed approval as they are probably not authorised by the regulator and could be unsafe. Always check the financial services register to see if the company you are considering is fully approved by the Financial Conduct Authority.

Will a small loan make my credit worse?

If your credit history is poor, borrowing a short term loan can be an opportunity to repair it. By borrowing small loans and paying them back on time, you’ll be able to show lenders who view your credit report that you are back in control of your finances. However, keep in mind that borrowing payday loans can also signal to long-term lenders (such as banks and building societies) that your income is not enough to cover your monthly commitments.

So you have bad credit. So what? Just remember, your credit rating is not set in concrete. It’s shaped by your financial behavior, so you have the ability to change it.