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Bad Credit Loans

With over 50 direct lenders in our network to compare, we find you the best loan offer available!

  • 100% secure
  • No fees
  • No paperwork

I would like to borrow...

When you search for a loan with us, a soft search will be carried out on your credit file to match you with the most suitable offer. All lenders on our panel are authorised by the FCA and will conduct a hard credit check if you proceed to take out a loan with them.

Representative Example: £400 loan repayable over 39 weeks at £18.96 per week, Rate of interest 113.46% p.a fixed; Representative 498.78% APR, Total amount payable is £739.44.

We're a fully regulated and authorised credit broker and not a lender.

We work with over 50 lenders to help you find the best loan possible.
We never charge you for our service.

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What is a Bad Credit Loan?

Bad credit loans are loans that are offered for people with bad or no credit. Lenders prioritise affordability assessments over credit history. These loans are usually small loans, between £100 - £5,000. Terms mostly vary from 1 month up to 12 months, however you can get a loan term of up to 3 years.

Bad credit loans have higher APRs (interest rates) than personal loans, but much higher acceptance rates. If you have bad credit and no guarantor available, this loan type is your best option.

  • Loans from £100 - £5,000
  • Loan terms from 1 month - 3 years
  • Representative APR 498.78%
  • High acceptance rates
  • Bad credit accepted

Bad Credit? No Problem!

We work with top UK direct lenders who offer short term loans and payday loans for bad credit. 8 out of 10 applicants get accepted through Loanza!

What Our Customers Say About Us

five stars

Loanza is quick and easy to use. What I like most about it is that it's trustworthy. I got connected to a good lender with a good loan offer. Would use Loanza again for my loan search.

Wallsend, UK

Your Loanza Journey

We're here to change the game, and be your travel buddy on your financial journey - not just a quick visit. So, we made your loan search experience super smooth and simple. When filling our form you'll create a password (or you can do it later if you prefer skipping this step), and you'll gain access to our exclusive members area full of cool stuff - for free!

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How to use Loanza

The shortest "how to" guide you'll ever read. Because we're that smooth and simple.

Loanza homepage viewed on a smartphone

Step 1

Click on any 'find me a loan' button and fill in our simple form in 2 minutes! If you're not looking for a loan just now, but all the other cool stuff we offer, hit Register!

Loanza waiting page viewed on a smartphone

Step 2

Get redirected to your best option lender within minutes. Review your loan offer, and get your cash as fast as 10 minutes* if accepted. Simple as that!

Loanza widget on a smartphone's home screen

Step 3

Log in to your Loanza account, and download our widget. Next time you need a loan, apply with 3 taps from your Dashboard, where you'll also find special offers, money saving tips and more!