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Personal loans

Apply now for up to £5000* even if you have bad credit

  • Get an instant online decision
  • One of the UK’s largest panels of bad credit lenders
  • Get accepted even if you’ve been declined before
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Bad credit OK

Anyone can apply


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Simple 2 minute application

Loans from 3 - 60 months, paid out today*

  • No commitment to accept a loan offer
  • We will give you a decision straight away
  • Search one of the UK’s largest networks of direct lenders from one simple form
  • FCA Authorised




* Not all lenders are able to offer up to £5000. Loans are dependent on personal circumstances and are subject to credit and affordability checks. Same-day payout depends on the lender you are matched with, not all lenders are able to pay out on the same day.

Representative Example
Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

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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.

Not necessarily, no – it is extremely unlikely.  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.

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.

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.

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.

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.

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.

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 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).

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.