Compare Long Term Bad Credit Loans

  • There are various long term loans available to borrowers with bad credit
  • Compare bad credit loans with a minimum term of 12 months below
  • Check loan details and eligibility requirements carefully before you apply
Soft Search

Free Eligibility Checker

Find out in minutes which loans you qualify for

  1. 1 Check your eligibility without harming your credit score
  2. 2 Choose from pre-approved loan offers
  3. 3 Apply direct to lender
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This service is provided in partnership with Accepty Ltd, checking your eligibility against Accepty's panel of lenders using a soft credit search.*
9 products found
As a result of Coronavirus (Covid-19) some loan providers have put lending restrictions in place or temporarily withdrawn their products from comparison sites and/or the wider market, therefore you may see fewer providers than normal.
    • Norton Finance Personal Loan - For homeowners only logo
      Broker

      Norton Finance Personal Loan - For homeowners only

      • Only available to homeowners
      • Loan Type
        Unsecured
      • Representative APR
        15.4% APR
      • Available Amounts
        £3,000 to £25,000
      • Min / Max Terms
        1 to 25 years

      Eligibility Criteria

      • Must be aged 18 to 80
      • Must be a homeowner
      • Must have a minimum income of £7,500 per year from employment, pension or benefits
    • Lendable Personal Loan logo

      Lendable Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        27.4% APR
      • Available Amounts
        £1,000 to £10,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Must be aged between 18-70 (at time of application)
      • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
      • Have a net monthly income of £800+
      • Must not be unemployed
      • Bankruptcies, active CCJs and IVAs not accepted
    • 1st Stop Personal Loan logo

      1st Stop Personal Loan

      • Only available to homeowners
      • Loan Type
        Unsecured
      • Representative APR
        30.8% APR
      • Available Amounts
        £2,000 to £15,000
      • Min / Max Terms
        2 to 6 years

      Eligibility Criteria

      • Must be a homeowner
      • Must be aged 21 or over at the start of the loan
      • Must be a UK resident (excluding the Channel Islands and Isle of Man)
      • Must have a net monthly income of £600+
      • Must not be unemployed, a full time student or on benefits
      • Must not be currently bankrupt or in an IVA
      • No CCJs or defaults in last 12 months
    • TrustTwo Guarantor Loan logo

      TrustTwo Guarantor Loan

      • Guarantor
      • Guarantor must be a homeowner
      • Loan Type
        Guarantor
      • Representative APR
        37.9% APR
      • Available Amounts
        £1,000 to £15,000
      • Min / Max Terms
        1 to 5 years

      Guarantor Criteria

      • Homeowners only
      • Must be aged 25 - 74
      • Must have a good credit history
      • Spouses or partners will not be accepted

      Borrower Criteria

      • Must be aged 21 or over
      • Must be employed and have a minimum income of £1,000 pcm (not furloughed)
      • Must not be declared bankrupt or in IVA or debt management plan
    • Guarantor My Loan logo

      Guarantor My Loan

      • Guarantor
      • Loan Type
        Guarantor
      • Representative APR
        48.9% APR
      • Available Amounts
        £1,000 to £10,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Must be aged 21-75
      • Must be a UK resident
      • Must not be on an active bankruptcy, IVA or equivalent
    • Buddy Guarantor Loan logo

      Buddy Guarantor Loan

      • Guarantor
      • Loan Type
        Guarantor
      • Representative APR
        49.9% APR
      • Available Amounts
        £1,000 to £10,000
      • Min / Max Terms
        1 to 5 years

      Guarantor Criteria

      • Must be aged 18-75
      • Must be a UK resident
      • Must not be on an active bankruptcy, IVA or equivalent
      • Guarantor does not need to own a home

      Borrower Criteria

      • Must be aged 18-75
      • Must be a UK resident
      • Must have a good credit history
    • Likely Loans Personal Loan logo

      Likely Loans Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        59.9% APR
      • Available Amounts
        £500 - £5,000
      • Min / Max Terms
        1 to 3 years

      Eligibility Criteria

      • Must live in the UK (excluding the Channel Islands and Isle of Man)
      • Must be aged 18 or over at start of loan
      • No bankruptcies within last 12 months
      • Must have a UK Bank Account and Debit Card
      • Can be Tenant or Homeowner
      • Must be Employed or Self Employed
    • Bamboo Personal Loan logo

      Bamboo Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        69.9% APR
      • Available Amounts
        £1,000 to £8,000
      • Min / Max Terms
        1 to 5 years

      Eligibility Criteria

      • Be aged between 18 - 72 (at time of application)
      • Must be a UK resident (exlcuding the Channel Islands and Isle of Man)
      • Have a net monthly income of £600+
      • Must not be unemployed, a full time student or on benefits
      • Must not be currently bankrupt or in an IVA
      • No CCJs or defaults in last 12 months
    • Everyday Loans Personal Loan logo

      Everyday Loans Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        99.9% APR
      • Available Amounts
        £1,000 - £15,000
      • Min / Max Terms
        18 months - 5 years

      Eligibility Criteria

      • Must be permanent UK Resident for at least 12 months (Not IOM or Channel Islands)
      • Must be aged 18 or over (at start of the loan)
      • Must have a current Bank or Building Society Account
      • No current bankruptcies, CCJ's or IVAs
      • Must not be unemployed
Also for Bad Credit Loans...

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our service is free of charge but we receive commissions from the providers we refer you to. This table is initially ordered by representative APR. You can use the options above the table to order it according to various criteria. You may be offered different rates depending on your personal credit rating.

Eligibility Service:

*The loans eligibility service is provided by Accepty on behalf of Know Your Money, a trading style of Notice Media Ltd.

The data you supply and submit is used to retrieve loan quotes from Accepty's panel of lenders. Accepty does not store any personally identifiable information when providing quotes. Your details are passed to Accepty's lender panel who do store it but only for the purposes of providing a quote. More information can be found in Accepty's privacy policy accepty.co.uk/policies/privacy

By using the loans eligibility service you are agreeing to Accepty's terms and conditions and privacy policy which can be found at accepty.co.uk

Accepty is a trading name of Accepty Technology Ltd and is registered at Unity House, Hercules Park, Birdhall Lane, Chedle Hulme, Stockport, SK3 0UX and is authorised and regulated by the Financial Conduct Authority

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Long Term Loans with Bad Credit FAQ

What are long term loans with bad credit?

Where can I get a long term loan if I have bad credit?

Should I take out a long term loan with bad credit?

How will long term loans affect my credit score?

What are the major considerations when taking out long term loans with bad credit?

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What happens if I make late payments on my long term loan?

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