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Representative Example: Rates from 45.3% APR to 1575% APR. Minimum Loan Term is 3 months – Maximum Loan Term is 36 months. Representative Example: Borrow £1000 for 24 months. Annual interest rate 70% (fixed). 24 equal instalments of £77.48. Total amount to repay £1,859.52. Representative 97% APR (variable).
^Making an application on allthelenders will not affect your credit score. If a lender accepts your application you will be redirected to their website to finalise your loan and the lender may perform a full credit check. We are a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
Welcome to allthelenders, one of the UK’s largest independent price comparison websites for people that have less than perfect credit. For more than 9 years we have been helping people get access to the credit they need, when they need it. We work with one of the largest panel of specialist financial services companies in the UK and offer you honest, fair and totally impartial comparisons on a range of different financial products. Warwick Financial Services Limited is an authorised credit broker and not a lender. We may receive a commission from a lender that accepts your loan application, this commission does not affect your chances of acceptance nor the cost of your loan. Find out more about how our comparisons work here.
We are a trusted UK business and our aim is to help people make better financial decisions by offering a range of different products from a broad spectrum of providers in both the short term and payday loan market as well as the personal loans market. If you consider yourself to have poor or bad credit, then it is likely that in the past you have missed payments or failed to repay a debt and now you need credit again, you keep getting declined from mainstream lenders. allthelenders can help you, even if you have been declined before.
We have built strong relationships with a variety of lenders and other specialist product providers that all consider applicants with some form of bad credit. Our impartial price comparison service means you can compare different lenders against each other, empowering you with the information you need to make an educated decision on your next financial move.
On allthelenders you will find a suite of useful articles, guides and other information to help you understand more about debt, borrowing and saving leading you to a more secure financial future. Why not visit our Support Hub and read more about financial issues that matter to you, like how to get the most from your bank account or how to pay off your credit cards quicker.
When you need a loan, it can be frustrating applying to a lender and getting declined, leaving a permanent mark on your credit file and wasting your time.
When you find a lender that you want to apply for a loan with on allthelenders, we are able to tell you if you will get accepted or are eligible to apply, before making a full application, all without affecting your credit score.
We can present your application to the lenders we work with in real-time and they will give us an instant response as to whether you would be eligible for a loan with them and if the answer is no, we’ll try other lenders until we find one that may be able to give you the loan you need.
None of this affects your credit score so it saves you time and cuts out the frustration of making multiple applications to different lenders. Lenders may perform a soft check of your credit report to ensure that you’re eligible to apply but this isn’t visible to other lenders and won’t harm your credit report.
It’s important to remember that even if a lender is able to accept an application from you, the final loan decision will be subject to a credit and affordability check so a loan isn’t guaranteed until you’ve received a formal offer from a lender.
Everything that you find on allthelenders is designed around helping people with a less than perfect credit history. We know how frustrating it can be trying to search the market and getting declined from lenders that could never consider your application, so let us take the hard work out of finding a loan or other credit product. Here are the services we offer:
If you are in need of a quick cash fix, then a short term loan could be the answer. With no long commitments, short term loans are paid out usually on the same day and loans are very tightly regulated. We compare more short term lenders than most other sites (please note, we do not cover whole of market) and often have exclusive rates and offers that you won’t find anywhere else.
If you want to know more about Payday & Short Term Loans, check out some of our guides here:
If a short term or payday loan isn’t what you need and you need to borrow a larger amount for a longer time, then our Personal Loans comparison may be exactly what you need. We show products from lenders that specialise in helping people with poor credit. Personal Loans will typically be over £1000 and for between 1 and 5 years. Bad credit personal loans are generally provided by specialist lenders and not from mainstream lenders. If you would like to know more about borrowing for longer periods then take a look at some of the articles from our Support Hub:
As with most things in life, it’s always best to shop around to make sure you can get the very best deal possible and this rings true when looking for a loan, credit card, bank account or any other type of financial product. When you are dealing with financial products it is even more important for you to have an unbiased view of the market to make sure that you are not overpaying or being misled.
If you have a poor credit score, you may find yourself unable to get a loan from the mainstream lenders in the market and this can leave you feeling deflated and unsure where to turn. Here at allthelenders, we specialise in helping people with some history of bad credit get the loan that they need by working closely with an array of lenders and other providers that want to lend to people with less than perfect credit.
Lenders that specialise in bad credit loans often charge a higher rate of interest than other lenders and because of this reason, comparing rates is even more important as loan costs can vary greatly from one bad credit lender to another and could mean the difference in repaying thousands of pounds.
Using a price comparison website means that you get a better overview of the lenders and products available in the market and allows you to make a better, more educated decision. Of course, you need to ensure that the price comparison website has your best interests at heart though and not just showing you the products that make them the most money. Which is why…
Since allthelenders first opened its doors in 2012 we have always been an advocate of fair financial comparisons and putting the customer before profits. This is still true to this day and you can be assured that all of our comparisons are fair and impartial.
If we have adverts or sponsored results then we will clearly state this so you know and our short-term and payday loan comparisons are always sorted by the cheapest loan first regardless of our commercial arrangements with lenders. You will never find a sponsored result or an advert within our short-term loan comparison results and we follow strict FCA and CMA guidance.
Having a good credit score and financial history can open many doors for you, including getting better rates on future borrowing and larger limits on credit cards, allowing you to make your own money go further.
Credit scores are a useful way for you to get a quick visualisation of how lenders see you but in reality the credit score is really just for your own use, lenders do not simply look at your score and if it’s below their own score decline you or if it’s above their minimum allowed score accept you.
Lenders take a look at your whole financial situation and consider their risk according to what is known as a scorecard. This lenders scorecard sets out the minimum criteria that a lender requires before they will accept a customer for a loan, credit card, overdraft or any other form of credit.
A lender’s scorecard is always kept secret and they vary greatly from lender to lender. Lenders are always updating their scorecards as well, which is why sometimes even if you have borrowed from a lender before and repaid the loan, they may decline a further application from you.
Having a good credit score is a strong indicator that your managing your finances well and should mean that you will access to some of the best borrowing rates around.
Keeping an eye on your credit score is extremely important and there are lots of different ways in which you can do this. One great way to understand where your credit score sits is using a credit reference reporting service like Experian. Experian show you what lenders see when they check your credit report, they give you the tools you need to improve your credit score and access the best deals on the market. Experian tools are 100% free to use and you can check them out online for free.
Debt is something that affects almost everyone at some point in their life and it often carries a certain stigma with it, making it hard to find people to talk to.
If you are currently in debt and looking for a loan or credit card, borrowing your way out of debt is almost certainly going to make your situation worse, especially if you are considering using high cost credit products such as payday loans.
Our Support Hub has a wealth of useful guides, information and advice on how to deal with debt, creditors and ways to get you back on track.
One of our main goals is being able to bring you lenders and products that you will not find anywhere else. Over the 9 years that we have been working in personal finance, in particular the bad credit sector, we have worked with more than 120 different lenders.
It’s important to know that whilst we strive to work with as many lenders as possible, we do not cover the whole of the market for any of the financial products we compare, including short term and payday lenders or bad credit personal loan lenders. The industry moves at such a pace and is forever changing so it is near impossible for one comparison site to cover an entire market where there may be hundreds of lenders.
We always want to work with as many lenders as possible to be able to bring our customers the widest choice of payday loan and credit providers, after all, a comparison site with just a few products isn’t much use to anyone.
Our approach to our visitors has always been to act with honest, integrity and trust. Our comparisons are always up to date using live rates, they’re not misleading and they’ll always be listed with the cheapest loan first. We want you to save money, not spend more.