• Quick Decision
  • Defaults & CCJ's Considered
  • Borrow up to £5000
  • Quick Payouts

Personal Loans, Guarantor Loans, Homeowner Loans & Short Term Loans


for people with Poor Credit

If you have defaults, county court judgements or a history of paying your Credit late you may struggle to get accepted for a Main stream personal loan provider.

People with poor credit ratings often get rejected when applying for a personal loan, Gone are the days of a Bank manager looking at applications on merit.

These days, Algorithms and Credit Scoring have taken their place and this often leads to people with a less than perfect credit history being unable to apply for the money they need.

Our Lenders don't make their decision purely on your Credit History, so you may have a higher chance of approval


Instant DecisionSometimes we all need a little extra money. It could be an Unexpected Bill such as a Car Repair, Vet Bill or higher than expected Energy bill. Credit4everyone can help, bad credit welcome!

Compare Bad Credit Loans

canary cash loans

Short Term Personal LoansAll Credit ratings can apply for a quick decision and loans up to £1000, a quick, single page application.

Representative Example: Borrow £300 for 30 days. One total repayment of £372.00. Interest: £72.00. Interest rate: 292% pa (fixed).1270% APR Representative.

Moolr offer flexible short-term loans from £1000 to £5000, repayable over 1-2 years, with competitive rates and a super-fast release of funds.

Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable). Representative 305.9% APR.

Warning: Late repayment can cause you serious money problems. For help, go to

Our Lenders don’t base their entire decision on your past, instead, they look at affordability and your current situation.

Credit 4 Everyone doesn’t lend direct, however, we do work with companies who help customers with a not so perfect credit rating. We don’t charge up front fee’s (usually called introductory fees or broker fees) and we don’t work with companies who do.

So rest assured that when you apply, we will not ask you for any upfront fee’s.

Affordability checks and Credit Checks will be completed when you apply, as that’s a lawful requirement, to ensure responsible lending, however, the companies we do work with will consider your application carefully and will not make their decision purely on your credit history.

They will consider how you are managing now and are likely to manage your repayments in the future. If you are not sure what your Credit Rating and Credit Score is, you can check it totally free of charge here.

Bee Loans offer Fast, flexible loans from £100 – £5000 – Apply now for a fast decision

Representative Example: £200 loan repayable over 20 weeks at £15.00 per week, Rate of interest 130% p.a fixed; Representative 756.5% APR, Total Amount Payable is £300.

iCash Advance offer flexible short-term loans from £1000 to £5000, repayable over 1-2 years, with competitive rates and a super-fast release of funds.

Representative Example: Representative Example: Borrowing £3,000 over 2 years at an interest rate of 59.9% p.a. (fixed), you will repay £217.24 per month. Total amount payable £5,213.68. Rates from 24.2% to 299.9% max APR. Representative APR 79.4%

Know if you’ll be accepted in minutes. Oh, and by the way, we don’t charge any fees!

Representative Example: : Borrowing £4,000 over 3 years at an interest rate of 36.9% p.a. (fixed), you will repay 36 monthly payments of £185.27. Interest payable £2,669.72. Total repayable £6,669.72. Representative 43.8% APR.

Loans for any purpose Borrow up to £2,500 today and get your cash in your account

Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

We work with companies who offer Personal Loans to suit everyone’s needs. All of the Personal loan companies we work with will consider applications from customers with a poor credit rating and self employed people. We offer a range of Personal Loans including, Unsecured Loans, Homeowner Loans, Guarantor Loans and Short term personal loans.

Bad Credit Loans with Instant decision and same day payout

Personal Loans for people with bad credit

Our bad credit loan lenders will consider customers with poor credit – Apply today for an Instant decision Unsecured bad credit personal loan.

Unsecured Personal Loans

  • Instant Decision Loan
  • You could have the money you need in 15 minutes
  • Borrow up to £5000*
  • No Upfront Fees
  • Bad Credit & Self Employed Welcome
  • No Obligation Loan Eligibility Checker*

A Poor Credit Rating Doesn’t have to Stop you getting a Personal Loan

You can Get the cash you need within 30 minutes* and repay between 1 and 12 months**

If you have a poor Credit Rating you will already know how hard it can be obtaining any form of Credit. A personal loan is no different.

There are Loan companies who will consider Affordability and will not base their entire decision on your Credit History. Credit4everyone doesn’t lend money direct, however, we do work with real Lenders, and we will never ask you to pay us any kind of Broker fees.

Affordability checks and Credit Checks will be completed when you apply, however, the companies we work with will not make their decision purely on your Credit History.

Personal Loans

bad credit loans, instant decision

Unlike a Guarantor loans, you don’t need a friend with a Good Credit History or a friend who is a homeowner. You could borrow up to £2000 and repay between 1 and 24 months. All of our Unsecured Loan partners offer an Instant Decision

Guarantor Loans

Poor Credit Loans

With a Guarantor Loan you could borrow up to £5000 for anything between 1 and  5 years. As long as you can afford the repayments and you know someone who has a good credit rating who is willing to Guarantor the loan for you this option could be one to consider.

Car Loans

car loans and car finance

A Car loan offers you the chance to buy a Car from the Garage of your choice. Your loans are Secured on your new Car so it’s important that you keep up the repayments You can Spread the cost of your new/used car.

If you are not sure what your Credit rating is like, check it out with a free trial today.

Credit Checks and Affordability Checks

All of the loan companies we work with are fully Licensed lenders, this means that when you apply, they will carry out a Credit Check and Affordability checks. Each lender will have different rules which will be clearly listed before you apply, such as Employment Status.

The law recently changed to include Affordability checks. This is a legal requirement. Applicants have to be over 18 and in employment to qualify for a loan. Loans are Subject to Status

The Application

Our Loan partners will ask you for some information, usually your name, address, time at address, employment details and bank details. Please ensure you answer all questions honestly for the best possible chance of success.

Lying on your application is illegal and could result in your details being added to a Fraud register (CIFAS). If you know you cannot afford a loan, please do not continue. Late payments will result in further fee’s being added and possible legal action being taken, this could result make it harder to obtain credit in the future.

Remember, your account conduct will be reported to Credit Reference Agencies and will be available for potential lenders to see for up to 6 years.