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Our Variety of Loan Options

There are many kinds of loans to choose from and it can be very hard to know which one will suit you best.

Don’t worry though, we have a dedicated team of experts on hand all day every day so if you do apply toward the wrong kind of finance or we think something will suit your needs better then we will let you know right away.

We are completely dedicated to making sure that you get the right plan to fulfil you needs.

As mentioned the list of loans is quite a long long, but we have tried to group them up to make the decision process a lot smoother and easier on you. Here are some of the categories:

  • Personal Loans

Theses are like payday loans and are nearly always unsecured.

  • Term Loans

Stretching over a specific period of time, these are often mixed with other kinds.

  • Debt Consolidation

Designed for those that owe several different companies different amounts. You will be able to better control your finances.

  • Logbook Loan

Usually for getting a vehicle but sometimes just using an existing vehicle as collateral.

  • Guarantor Loans

For those that have a friend or family member able to back them up if they have trouble paying the instalments.

  • Bad Credit or No Credit Check Loans

Made for those with bad credit history, even those that have been blacklisted can apply for this variety.

  • Direct Lenders

This means that you are getting the money direct from the one lending it, cutting out the usual middlemen.

  • Fast, Quick or Same Day Loans

Meant to be the quickest form of finance for those that are in a rush to get the money they are applying for.



Representative 305.9% APR. 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)

Loanload is a credit broker and not a lender. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.

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

Loanload.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.

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Applying For Bad Credit Loans

Bad credit affects all types of people, regardless of age, situation, and even income. Poor credit is common. Anyone can have a bad credit rating when faced with financial difficulties. Having awful credit isn’t the end of the world, and it doesn’t mean that you can’t get a loan at all.

Bad credit simply means a low credit score as calculated by credit reporters. The credit report estimates your creditworthiness and likelihood of loan approval based on your recorded credit history. Bad credit is usually a result of the person going into bankruptcy or could be the result of missing repayments such as for a credit card, phone contract, mortgage or other loans made.

Majority of lenders are very risk-adverse that even a below-average credit score can result in a denied application. Each time you apply for a loan, lenders request a report about your credit history. The lower your credit score, the higher the perceived risk on your loan application. Indeed, your credit score is what most lenders consider when deciding whether to grant you a loan or not.

Being unable to get a loan due to a bad credit history can be extremely frustrating. It can be very stressful especially when you badly need cash and no one will lend you any. When you have a poor credit, it may feel like there is no hope for you to get a loan anymore. While having bad credit is already a frustration, every application rejected will leave a mark on your credit record, which could further damage the way a lender scores you.

However, you may still be able to get a loan with a dismal credit loan, specifically designed for those with a poor credit history. If you are burdened with long pending debts and worrying about denial of fresh loan applications, bad credit personal loans can serve you the best. A dreadful credit score, which is usually below 630, doesn’t have to keep you from getting a personal loan.

It is also important to understand that having a poor credit history and having no credit history are two different things. Young people, who have never had a credit card and haven’t been able to build up a credit rating, are usually the ones who experience no credit history. No credit is also known as having a thin credit file, but having bad credit is another thing,


Bad Credit Loan with Guarantor

Guarantor loans need someone else to agree to cover your loan payments if you miss them. Because you have a guarantor, you can get a lower interest rate. A guarantor loan is an unsecured loan aimed at those with poor credit scores. Your guarantor will need to have a good credit score, but must not be financially linked to you such as your spouse. It’s also a good idea to make sure you let your guarantor know the risk involve and be on good terms with him. You must keep a good relationship with your guarantor as well. Guarantors must understand the risk should anything goes wrong, you won’t sour your relationship.

Guarantor loans do carry a risk for the person agreeing to act as guarantor and this is discussed with the potential guarantor before they agree to act as a guarantor. The lender ensures that the loan agreement is clear to all both the borrower and the guarantor and that they must fully agree to the terms of the loan before any funds are transferred. Anyone being asked to act as a guarantor on a loan should ensure they fully understand their own liability.


Bad Credit Loan for Poor Credit Customers

Poor credit loans provide funds for personal expenses such as unexpected bills and temporary shortfalls in cash. Bad credit loans are obviously for applicants with poor credit rating. Many lenders outside the major banks offer this type of loan. Credit history is just one factor in your financial situation.

There are creditors who focus on your overall ability to pay back your loan, and not just your credit record. You’ll find many creditors support people in achieving their financial goals, regardless of their financial past. If you are confident that you can repay all the money within the agreed period, then this might be a good option for you.

However, bad credit loans come with much higher interest rates than standard loans, which means they can be very expensive to repay. While having an awful credit rating can make it much harder to find cheap loans, there are still options available to you if you want to borrow money. Interest rates for bad credit loans vary based upon your overall profile, the degree of adverse credit registered against you on your credit report, your residence, employment history, and income stability.


Getting a Direct Lender Bad Credit Loan

Taking out a loan from a direct lender that places more emphasis on affordability than on credit checks can instantly qualify you for a loan on the amount money you need. Your loan amount will be determined by your projected ability to repay, but you will typically have some flexibility in deciding on the amount. Lenders give you options regarding your loan amount, but you can shop around, compare, and see which lender offers you the amount you need to pay any bills or meet any expenses. If you borrow more than you need you will pay more interest on your loan, but lenders will usually check your affordability and decide on the amount you can borrow.


Bad Credit Loan with No Guarantor

Guarantor loans are usually for people who would be rejected by mainstream lenders, such as banks and credit card providers, due to having less than perfect credit scores or no credit history at all, such as young people just starting out in their first job. Guarantor loans are also for people, who are often high earners with sensible financial habits, so can afford the repayments, but do not have the credit history to reassure the lender about the level of risk. As a mainstream-lending criteria is often automated and do not come with a personal review of the applicant’s financial circumstances, it is sometimes the only way a young adult in their first job can secure a loan.

However, if you cannot find a person who is willing to take the risk for you, you can still settle for a bad credit loan without a guarantor. Although you will be paying a bit more on the interest rate, loans without a guarantor are still affordable. Just make sure you make on-time payments and never miss any. Another point of getting a loan without a guarantor is saving another person from getting involved with the risk of the loan you applied for.


Bad Credit Loans In The UK

Bad credit loans for any amount are readily available in the UK over both a short term and a longer term. There are creditors who can allow you to lend larger amounts even with a poor credit history. Bad credit loan options include payday loans, logbook loans, unsecured or personal loans, secured loans, and many more.

While a bad credit personal loan is expensive, creditors could arrange a secured loan for you instead. A secured bad debt loan boost the value of your current assets and somewhat offsets your bad credit history. You can get a poor credit secured loan, which could even help improve your credit score. A secured bad credit loan can give you the chance to prove that you have your finances under control and can repay a loan consistently. With a secured loan, you can get a higher amount to borrow and a lower interest rate. The interest rate will be lower for secured loans since the lender has a claim to your property.

While secured loans are usually for large amounts and longer term, payday loans, on the other hand, are for small and short-term borrowings. Payday loans are ideal for emergency expenses and something that could sustain you until your next paycheck. Bad credit payday loans are high in demand in the UK.

Logbook loans are easy money and can help you get a large amount to borrow. Any vehicle you might own is used to secure this type of loan.  In case of a default, the lender can repossess your vehicle.


Bad Credit Loan In An Instant

A typical lender might require you to fill out an enormous number of forms detailing your current credit history, employment history, and more, but this is not the case with instant loans. Avoid the headaches and get a bad credit instant loan. If you thought that taking out a loan was not an option for you because of your credit history, you’ll be happy to know that there is an abundance of dismal credit loans that are instantly available for you. While regular loan lenders do a credit check and require tedious lengthy paperwork, there’s no fuss with instant loan lenders, and your personal details are not accessed as well.

Many of these lenders are accessible online, and the process of applying for this type of loan can literally be completed in minutes. You’ll be surprised at how little effort it takes to find a bad credit loan lender that is eager and willing to help you in your time of need. These loans have a fast and easy application process, and cash transfers are only within minutes. Regardless of your past, you can be approved today for the loan you need and have funds quickly deposited into your account.


Key Points

You may find that you need to apply for a bad credit loan if you have a low or poor credit rating. Even when you are trying to stay away from more debts, there may be times when you run low on cash. With dreadful credit and low chances of getting a loan, this type of loan might save you from misery. It is impossible to avoid getting a loan when you have bad credit, but with urgent expenditures, you are left with no choice.

If you decide to get a bad credit loan, think about whether you can afford the repayments and look at alternative ways to borrow before you apply. Compare all your options carefully to keep your cost down. Make a comparison of the different types of bad credit loans that could suit your personal needs. There are several loans you could get with an awful credit, so it’s important to compare rates and the loan type. It’s very important to be aware of the different types of loans for people with bad credit. There are both secured and unsecured loans for bad debt.

On the downside, a bad credit loan may have very high interest rates as compared to loans for people with good credit rating. With a better credit rating, you will be able to access instant loans at lower rates of interest as you will be seen as a lower risk by lenders. In the long term, if you can improve your credit rating, you will become eligible to borrow money at better rates.

Get a grip on your finances, so you can improve your credit rating and be able to get loans with lower interest rates and with a higher amount. If you make payments on time, your credit score will improve, enabling you to get a higher loan with lesser interest rates. While you can compare rates to get a good deal, bad credit loans are an expensive type of borrowing, so be sure you really need the money before applying.

Get quotes from the bad credit loan lenders that will let you borrow the money you need over the term you want, and compare the total cost you pay back to find the cheapest deal. Take some time to research and see which one can offer you the amount you need, the terms, and rate that is suitable for you. Lenders differ in their terms and conditions, so it’s always a good idea to shop around and make comparisons.

5 most recent personal loan reviews

Review of Loans Warehouse

They really helped me when I needed it most. Wanted quick cash to pay for a one-off purchase and had an issue with my address for credit. Without Warehouse to help, I do not know how I would have gotten by till the next pay day. I am truly grateful to them.

Review posted by Oluwaseun Ahuja, Hereford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Portman Finance

Excellent customer service from the team. Quick pay out. Would recommend 100%. Keep up the good work. Always keeping you up to date about the process of the loan.

Review posted by Tanashia MacRae

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of North London Credit Union

Was really happy how you dealt with the loan really fast. Couldn't fault your staff they were really helpful and friendly. Would recommend u to anyone. Don't normally write reviews but thought your staff desired a thank u for all there help. Highly recommended guys x 👍

Review posted by Lynn Fenlon, Hull

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews are sourced from TrustPilot.com to guarantee authenticity.