Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Representative example: borrow £600 for 8 months. 1st monthly repayment of £144.38, 6 monthly repayments of £192.50, last monthly repayment of £96.25. Total repayment £1,369.63. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount — rates between 295.58% APR and a maximum APR of 1294%.
Personal loans in the UK can be used for a wide range of purposes, making them one of the most flexible types of finance available. Whether you’re consolidating existing debts into one manageable payment, covering emergency expenses, funding home improvements, or planning a special purchase, a personal loan gives you access to fast cash with fixed monthly repayments. At Badger Loans, we connect you with UK lenders offering personal loans from £100 up to £15,000 — helping you spread the cost of life’s unexpected moments or planned expenses.
Badger Loans provides access to Personal Loans UK. A personal loan is a loan which is used for personal purchases and expenses. Whereas you would use a mortgage to purchase a property or a business loan to fund your business. This type of product falls under unsecured loans because your eligibility is based on your income and credit status. There is no collateral or guarantor required. Personal loans are often repaid in equal monthly instalments on a scheduled repayment date that you select each month.
Because personal loans are typically unsecured, you don’t need to provide any collateral – just proof of your income and ability to repay. Many borrowers in the UK also use personal loans for car repairs, vet bills, weddings, moving costs, or even a short-term cash flow boost. At Badger Loans you could borrow up to £15,000 subject to checks and status. Each loan is tailored to your circumstances, giving you a practical solution for short- or medium-term borrowing.
If that sounds like you, you’re eligible to apply today!
Badger Loans works with a panel of up to 50 lenders in the UK. This helps you improve your chances of being approved for a short term loan and getting access to the funds you need faster. With each lender having different requirements, you can maximise your chances of approval through Badger Loans. Every lender on our panel has been reviewed and vetted to ensure that they are fully authorised, regulated and trustworthy. With no upfront fees, you can receive an almost instant decision in up to 5 minutes and if successful, can receive funds on the same day. Sometimes within a few hours. We will not pass on your information to any other companies without your permission.
Having a poor credit score doesn’t automatically mean you’ll be declined. At Badger Loans, we work with UK lenders who consider applicants with a range of credit histories, including those with missed payments, CCJs or defaults. If you have a steady source of income and can afford the repayments, you may still be eligible for a personal loan even with bad credit. Our panel of lenders looks at more than just your credit score, they also consider your current financial situation and ability to repay responsibly. You may want to take this opportunity to enter your income and expenditure into our Budget Calculator in the footer below to make sure you can afford this loan. We also have a variety of blog posts and guides on budgeting in our Support Hub to help you manage your money and make affordable borrowing decisions. Whether you need a £1,000 loan to manage short-term expenses, a £2,000 loan for urgent repairs or essential purchases, or a £5,000 loan for debt consolidation or planned improvements, our lending panel offers flexible options across a range of terms and credit profiles. Each amount comes with fixed monthly repayments, so you always know where you stand and can budget with confidence. With fast decisions and no fees for applying, you can explore £1,000, £2,000 and £5,000 loan options safely and see what works best for your circumstances before committing. Each loan is assessed individually, taking into account your income, stability and affordability rather than relying solely on your credit score. You’ll see clear repayment details before proceeding and because all loans are unsecured, you can apply without offering collateral or a guarantor. Badger Loans simply helps you compare the offers available so you can choose the personal loan that fits your needs and budget.
Personal loans come with different interest rates depending on your credit profile, income stability and borrowing history. Lenders usually offer the lowest APRs and lowest interest rates to applicants with strong credit scores, a clean payment record and low existing debt. If you’ve built up a good credit history, you’re more likely to qualify for a low APR personal loan, helping keep repayments predictable and affordable. If you’re working on improving your score, your rate may be higher but you can still check your eligibility with no impact on your credit file, and you’ll see exactly what your monthly costs will be before accepting any loan. Because APR is calculated over twelve months, it can sometimes appear inflated for loans repaid in less than a year. This is normal and one reason short-term loans often look more expensive than their actual monthly repayments. If you’re unsure how APR works or why the rate you’re offered looks higher than expected, our FAQs below explain the difference between low APR loans, low interest loans, and why APR appears higher for short-term borrowing. See: “How do I get a low APR or low interest rate on a personal loan?” and “Why are APRs higher for people with bad credit, and what does that mean in real terms?” for a simple breakdown. Repayments for personal loans are made in fixed monthly instalments over an agreed term which is typically between 1 to 5 years. When you apply, you’ll choose how much you want to borrow and for how long, and you’ll see exactly what your monthly repayment will be before accepting the loan. Most repayments are collected automatically by Direct Debit on a set date. It’s important to make your payments on time to avoid extra charges. If your situation changes, it’s always best to speak with your lender early to explore your options.
Get your decision in minutes and, if approved, receive your funds within the hour. Applying won’t affect your credit score.
You can use a personal loan for various purposes, including debt consolidation, home improvements, buying a car, or even funding a wedding or holiday.
A personal loan can be a no guarantor loan. Most personal loans in the UK are unsecured and don’t require a guarantor, meaning you borrow based on your income, credit history and affordability. A “no guarantor loan” is simply a personal loan where you apply on your own, without needing someone else to co-sign. At Badger Loans, all our lenders offer personal loans without a guarantor, so you can apply independently and get a decision based on your own circumstances.
Yes, many borrowers use personal loans to combine multiple debts into one monthly payment. This can make repayment easier and sometimes reduce your overall interest rate. However, it’s important to ensure the new loan’s terms are better than your existing debts to avoid paying more in the long run.
Lenders usually reserve the lowest APRs and interest rates for borrowers with strong credit histories and steady, reliable income. A clean payment record, low existing debt and being on the electoral roll all help bring your rate down. When you apply through Badger Loans, lenders assess your affordability and credit profile before offering a personalised rate. The better your credit behaviour, the lower your APR is likely to be. If your credit is less-than-perfect, you may still be approved but the rate will reflect the higher risk. Improving your score first is often the fastest route to securing a low-interest loan.
You can borrow from £1,000 to £15,000 with flexible terms ranging from 1 month to 5 years.
Yes. Many UK lenders specialise in offering no guarantor loans to people with poor, limited or bad credit histories. Approval is based on affordability, stable income and your current situation, not just your past credit score. While bad credit may affect the rate you’re offered, you can still be approved for an unsecured, no guarantor personal loan if you can comfortably repay it. Badger Loans works with lenders who consider applicants with CCJs, defaults and missed payments, giving you a fair chance of being matched.
Missing a payment can result in late fees, higher interest and damage to your credit score. Lenders may also report the missed payment to credit reference agencies. If you think you’ll struggle to pay, contact your lender as soon as possible. They may be able to arrange a payment plan before it impacts your credit file.
APRs are higher for bad credit borrowers because lenders take on more risk when someone has missed payments, defaults, or a low score. The APR reflects that risk but it can also look inflated, especially for loans lasting under a year. That’s because APR is a 12-month formula, so short-term borrowing can appear far more expensive on paper than it actually is in monthly repayments. What really matters is the fixed cost shown before you accept the loan. If you want to reduce your APR over time, improving your credit score, clearing small debts and keeping payments on track will help lenders offer you lower, more competitive rates in the future.
