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Bad credit OK

Anyone can apply

Flexible Loans

Loans from 3 - 36 months

Bad Credit Loans for people with all types of credit history

  • TickNo commitment to accept a loan offer
  • TickWe will give you a decision straight away
  • TickApplying won't affect your credit score^
  • TickFCA Authorised
Representative
97.0%
APR

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).

Warning: Late repayment can cause you serious money problems, for help, please visit the Money Advice Service website.

Warwick Financial Services Limited are a credit broker and work with a select panel of specialist lenders. We may receive a commission from these lenders for introductions we make to them, this commission does not affect the cost of your loan nor your chances of acceptance.

FAQ

The loan eligibility checker on allthelenders is a quick application form that is linked to a list of specialist lenders, when you apply with us we send your application to our panel of lenders and if a lender is able to offer you a loan, you will be sent to their website to review the offer. There is no obligation to accept a loan offer at all and it won’t harm your credit report.

The great thing about using our eligibility checker is that we search a lot of lenders instantly meaning you don’t have to make multiple applications with different lenders and undergo multiple credit checks.

We ask you to complete the short form above and then, coupled with a soft search of your credit report, we search the market for a lender that will be able to offer you a loan.  Consider it a preview as to what would decision you would get if you applied to lenders directly, but this way it doesn’t harm your credit score and you access to a much wider panel of lenders meaning you have a much greater chance of getting accepted.

No, we do not run full credit checks.  Lenders will perform a soft search which gives a snapshot of your financial history.  They then use this information, coupled with the information you give us in your application, to make a lending decision. We have a panel of more than 30 different lenders so you have a much greater chance of finding a lender with us. This whole process usually takes around 2 minutes.

Not necessarily, no.  We work with a large panel of more than 30 lenders and whilst some of these are guarantor lenders, the majority are not and offer unsecured personal loans.

There are 2 main reasons that using our loan eligibility test is a good idea.  Firstly, you can see which lenders will accept you without making multiple applications and all without affecting your credit score, so you’ll get the best deal possible.

Secondly, some lenders we work with are only available through our loan eligibility service and do not take applications directly, so you would never have even know they existed and they may just give you a better deal than anyone else.

Absolutely.  We work with a panel of more than 30 different lenders and the vast majority of these specialise in working with customers that have some bad credit history.  You have nothing to lose by using the test and you may get the loan offer that you need.

A soft search of your credit report is not visible to any lender or credit provider and will not affect your chances of getting credit.  It is important to remember, lenders will perform a full credit check before making a final offer of a loan and this will be recorded on your credit report.

You will need to complete the short application form above, including your contact details, personal information and your current financial situation.  It is very important that you are honest and complete the questions in full in order to get the most from this service.  We will then use this information to find you a lender.  The application will take just a few minutes to complete.

During the check we will send your details to all of our partners and as soon as we get a response, we’ll send you to the buyers website where you will be able to review your loan offer or find out more information about the company/product that has accepted you.

The whole process usually takes around 2 minutes.

This is dependent on your personal circumstances and your credit history.  Whilst many of our lenders work specifically with customers that have bad credit, if you have multiple defaults and CCJ’s you may find your options are more limited.  We would recommend trying the test to see which lenders would accept you.

We provide this service directly for you and have relationships with only the best lenders and brokers in the market. All of the companies we work with are authorised by the FCA and are responsible lenders and brokers. Your data is fully encrypted and is safe with us and we do not sell your data to any third parties. We are registered with the ICO (ZA101793).

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^Making an application on allthelenders will not affect your credit score. Lenders may perform a soft check to confirm your eligibility for a loan
which will not harm your credit score or be visible to other lenders. 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.

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).