Compare Personal Bad Credit Loans

  • There are various personal loans available to borrowers with bad credit ratings
  • Compare different types of personal loans for bad credit 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
Check my eligibility
This service is provided in partnership with Accepty Ltd, checking your eligibility against Accepty's panel of lenders using a soft credit search.*
As a result of Coronavirus (Covid-19) some loan providers have put lending restrictions in place or temporarily withdrawn their products from comparison sites and/or the wider market, therefore you may see fewer providers than normal.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
    • Freedom Finance Personal Loan logo
      Broker

      Freedom Finance Personal Loan

      • Loan Type
        Unsecured
      • Representative APR
        27.5% APR
      • Available Amounts
        £500 to £25,000
      • Min / Max Terms
        1 to 7 years

      Eligibility Criteria

      • Must be aged 18 years or over
      • Must be a UK resident
      • Interest rates are dependent on your individual credit score
    • 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
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.

Accepty does not store any personally identifiable information when providing eligibility results from a panel of lenders.

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

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

Personal Bad Credit Loans FAQ

What are personal bad credit loans?

Who might take out a personal bad credit loan?

Will I pay higher interest on a personal loan if I have a bad credit rating?

What kind of loans can I apply for if I have a bad credit rating?

How do I find the lender that suits me?

What are the risks associated with personal bad credit loans?

Go to Loans Hub