Bad credit? We can help!

Get a £100 - £5,000 loan today, even with poor credit.

Simply select how much you'd like to borrow and for how long:

Bad Credit Welcome

2 Minute Application

Immediate Decision

Same Day Payouts

Representative Example: Rates from 49.9% APR to max 1333% APR. Minimum loan length is 1 month. Maximum loan length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

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Bad Credit Loan FAQ's

We offer bad credit loans from £100 to £5,000 for any purpose. The loans can be paid back between 1 and 36 months. If you apply on a business day it is highly likely you will receive the loan funds direct to your designated bank account on the same day that you apply.

You can choose to repay the loan between 1 and 36 months. Once you are presented with a loan offer from one of our lending partners, the desired term will be offered to you. This may be a shorter or longer time than you requested. You can then choose whether to proceed with the loan offer.

Yes, we specialise in bad credit loans and endeavour to match those with a poor credit history to a lender who is willing to consider their situation and subsequently provide them with finance. So whatever your history, CCJ's, default and missed payments, we're here to help.

We do not offer guarantor loans at It will be your own personal financial situation and eligibility which will be considered. No guarantor is required in order to apply for any of the loans for bad credit which we offer. You can apply online here.

If you apply for one of our poor credit loans during business hours, it's highly likely you'll receive the money on the same day you apply. If you apply on a weekend or public holiday you'll likely receive it on the following working day. The loan funds will be transferred to the bank account you specify during the application process.

In short, yes, we accept loan applications from those receiving benefits that is classed as income. Some benefit types such as universal credit, child benefit and working tax credits are considered income whereas benefits such as housing benefits and job seekers allowance is not.

Poor Credit History? We're Here to Help

Getting access to quick, short term credit be be a challenge. Particularly if you've got a bad credit rating or suffer with a poor credit history. Traditional lenders such as high street banks are reluctant to lend money to those with a chequered financial past but thankfully there are firms like who are able to help.

Here at BCL, we specialise in helping people with bad credit acheieve the financing they need in a safe and responsible manner. We partner with a number of reputable, direct, UK based lenders who are willing to loan small amounts of money to those who suffer from bad credit. The lenders we partner with understand that not everyone has a perfect credit history and that just because you've had bad credit in the past, it shouldn't limit your access to bad credit loans today.

Our mission is not to just provide finance to those who need it, but we want to do it in a secure, safe and responsible way. Our secure application form only requests the most basic details and there are no hidden fees or charges associated with any of the loans presented. Our responsible lenders will also never offer you a loan that they think you won't be able to pay back.

A Simple 3 Step Process

Getting a short term loan, even with bad credit could not be easier. We've designed a quick and easy 3 step process in order to get you the funds you need as quickly as possible.

  • 1. To start, head over to our applicaton form and fill in your details. It has been designed to take less than 2 minutes to go through as we only ask the most basic but necessary questions. Once you're done, hit submit and we'll begin finding a lender which matches your needs.
  • 2. Upon submission, our software will submit it to our lending partners who will automatically review your application and determine your eligibility. We'll then choose the best offer and present it to you. The whole process takes less than 5 minutes and is carried out entirely online.
  • 3. Once approved by one of our lenders, you'll be presented with a loan offer on screen. This offer will inform you of the amount the lender is willing to borrow you and over how long. At this stage you are under no obligation to proceed with the loan offer and it may be less than you originally requested due to eligibility or affordability.

And that's it. Once you choose to accept the loan, the money will be sent to the bank account you specified during the application.

More About Our Service

Put Your Trust in Us

At, we take care to provide you with all the information you need to make an informed decision. We want to help you find the financial solutions that are right for you, no matter what your situation might be. However, we also want to be sure that every customer has the safest possible experience from start to finish and that your informed of everything at every step of the way which is why we only partner with reputable, UK based emergency loan lenders who treat customers fairly and lend responsibly.

We operate with full transparency. Our terms are always stated clearly and in full BEFORE you make a decision, and we have extra resources to help you understand any and every detail. We help to educate you about how to make better financial decisions, how to spend your money more wisely, and ways to save when you can. We help you find resources to learn more about improving credit, and how to avoid some of the potential pitfalls and drawbacks felt by some of today’s less savvy borrowers.

Treating Customers Fairly

We follow the fair treatment guidelines outlined by the FCA as a matter of fact and guiding principle, and we demand the same of all our financial partners and providers. Our customer service levels are based on exceeding the needs and expectations of every customer we serve, built on a foundation created from the highest levels of transparency, trust, and integrity. Our responsibility to each individual results in secure, honest and dependable service from the first click through the final deposit. We are here for you, every step of your journey, with information and resources to help you make the best possible decision, and the financial power to make it happen quickly for qualified borrowers.

More Advice and Debt Help

Living in the UK has distinct benefits when it comes to government provided resources, and we encourage you to take full advantage of everything you can learn. The UK’s Money Helper website is totally free and provides impartial advice and a wide array of valuable tools to assist you in every step. You can use calculators, financial planners, or choose to chat with professional support personnel online, on the phone, or even using WhatsApp. Get all of your questions answered, and dive deep into the wealth of information provided here.

Another smart resource the UK government maintains is the financial portions of the Citizen’s Advice website, where you can learn how to navigate even tougher financial situations. By learning how to derail or avoid common financial difficulties, you can find a stronger place for your financial dreams to grow and prosper!

Debt Help

If you are worried about debt and some of the problems surrounding it, there is a well-known debt charity in the UK named Step Change that is ready to help. Again, offering unbiased and completely impartial advice and information, Step Change has already been able to help more than 5 million individuals since starting in 1993, and stands ready to assist you on your own journey back from financial hardship. You can ask for specific guidance and advice from experts and find answers for everything from bankruptcy to credit card management and better budgeting.

Finally, another popular debt charity that can help you understand everything you are facing in the National Debt Line. They will offer you free and impartial advice on a variety of related subjects, as well as provide you with tools and representatives to help you clarify any possible issue. Whether you are looking for budget planning help or want to speak with someone on the phone about your specific situation. National Debt Line wants to help you with finding the answers you need.

Safe, Secure and Responsible

Understanding all of your options is the key to making your best possible money decisions. We strive to help you find the resources you need to make a balanced and smart decision, and connect you to lenders, resources, and providers that share our dedication to consumer safety and ongoing education.

We believe that you can protect yourself with more knowledge, so provide the necessary links and materials. We will constantly strive to keep the needs of our customers first and will ensure that you can safely and securely compare your best financial options here at

Why Use BCL?

There are lots of great reasons to take out a loan via BCL. Here are just a few of them!

  • PCAW Powered
  • FCA Regulated
  • 1 - 36 Month Loans
  • No Hidden Fees
  • Secure Application
  • Instant Decision
  • Easy Repayments
  • 100% Online Service
  • Fast Application
  • Bad Credit Accepted
  • UK Based Service
  • Reputable Lenders
  • High Approval Rate
  • Cash Same Day
  • Established Firm
Apply Online Today