Bad Credit Loans
Borrowing options for those with a limited or poor credit history
Pros
- More accessible than mainstream credit for some applicants
- Soft-search eligibility checks available with some lenders
Cons
- Interest rates are typically higher than mainstream credit
About Bad Credit Loans
Bad credit loans are aimed at people who’ve been declined elsewhere due to their credit history. Approval is more accessible, but interest rates are typically higher to reflect the lender’s risk — it’s worth checking your eligibility before applying, since applications can affect your credit file.
How this works
Compare
See how bad credit loans compares to other options
Request a callback
Leave your details below — no obligation
Get your options
A partner lender or broker explains your actual rates
Frequently asked questions
Will checking my eligibility affect my credit score?
Many lenders offer a soft-search eligibility check first, which doesn’t affect your credit score — a full application (hard search) only happens once you decide to proceed.
Do you lend money directly?
No — Budget Cash Advance is a comparison/marketing service, not a lender. We introduce you to FCA-authorised lenders and brokers.
What is representative APR?
It’s the interest rate at least 51% of successful applicants will actually receive — your own rate may differ based on your circumstances.
What happens after I request a callback?
A partner lender or broker reviews your enquiry and explains your actual options and rates directly — there’s no obligation to proceed.
Compare bad credit loans options
Compare now →No obligation · representative APR shown where available
Request a callback
Leave your details and we’ll call you back to talk through bad credit loans.