FAQ's

Rates vary daily. Big banks may offer lower APRs to existing customers with strong credit. Loan comparison websites will only offer deals from companies who pay them. Not all but most. Here’s a rough guide to rates on 4.4.25.
For loans under £3,000: Expect APRs from around 9.9%.
For loans between £3,000 and £4,999: APRs might start around 9.7%.
For loans between £5,000 and £7,499: APRs could be in the range of 6.5%.
For loans between £7,500 and £15,000: You might see APRs starting from 5.8%.
For larger loans: APRs could be around 5.8% or 5.9%.

Not usually. 0% is more common on credit cards, balance transfers or car finance deals, not personal loans.

It can be—if you borrow what you can afford to repay and use it for a worthwhile purpose.
Check out our guide to Personal Loans here.

That depends on the loan term and interest rate. Example: £3,000 over 24 months at 49.9% APR = approx. £195/month.

Specialist lenders who cater to people with bad credit or low income might still consider you.
Bad Credit Loan Options

You may qualify if your benefits have been stopped (for example, due to a sanction) and you can’t afford essentials.
Hardship payment info from GOV.UK

Emergency loans are typically fast, small loans from direct lenders, brokers or the government. Apply online and get a decision within minutes. Emergency loans – apply now

You might qualify for benefits, grants, or budgeting loans. If not, specialist lenders may be an option—but borrow responsibly.
See Support Options on Turn2Us

It’s a short-term loan for people facing financial emergencies. They’re often used for urgent bills or unexpected costs.

Some lenders offer same-day funding—once approved, the money can be in your account within minutes. Apply now

Start by checking your credit report for errors. Then look for lenders who offer loans specifically for people with bad credit. We can help match you with one of our panel of 30 lenders who specialise in bad credit.

Plenty of lenders will consider your application even with a poor credit history. They’ll look at your current income and affordability, not just your past mistakes.

Yes. We work with lenders who specialise in helping people with poor credit, no guarantor required. Check out our bad credit loan options by clicking here.

Missing a repayment can lead to additional fees and negatively impact your credit score. If you’re struggling, contact your lender immediately to discuss alternative arrangements.

Repayments are typically made via direct debit from your bank account on a monthly basis.

Yes, each lender has different criteria. Just because you’ve been declined by one does not mean you’ll be declined by all. However, be careful not to apply too many times with similar types of brokers or lenders as this will make you appear desperate for the money and that is a red flag for lenders.

No, initial applications involve a soft search, which does not impact your credit score. However, if you proceed with a lender, they will conduct a full credit check.

Repayment terms vary by lender but for short term loans they typically range from 1 month to 5 years. For secured loans repayment terms can go up to 25 years depending on age at outset.

Loan amounts for short term loans up to 5 years typically range from £100 to £25,000, depending on your financial situation and the lender’s criteria. Secured loans can go up to £500,000.

Personal Loans – Unsecured loans for any purpose.

Bad Credit Loans – For those with poor credit histories.

Homeowner Loans – Secured loans against your property.

Debt Consolidation Loans – Combine multiple debts into one.

Short-Term Loans – Small, fast loans for urgent expenses.

Home Improvement Loans – Borrow for renovations and upgrades.

Probate Loans – Borrow up to 65% of the value of the estate.

Yes, some of our lending partners offer loans to people with CCJs or defaults. However, approval depends on affordability and lender criteria.

No, we do not offer guarantor loans. However, we work with lenders who may consider applicants without a guarantor, even if they have bad credit. Most of our lending panel will offer no guarantor loans as standard. Visit our No Guarantor Loan page for more info.

It depends. Some lenders consider applicants who receive benefits or have alternative income sources. It can depend on which benefit(s) you’re on and how long they might last for. All lenders have different requirements. To find out more go to the Apply Now box and give it a go.

You must be at least 18 years old

You must be a UK resident

You need a regular source of income

You must have a UK bank account

Most lenders offer instant decisions, and if approved, you could receive funds within hours. However, this depends on the lender and your bank’s processing times.

Yes, we specialise in helping people with bad credit find suitable loans. Visit our Bad Credit Loans page for more information.

No, we are a broker, not a lender. We connect you with lenders who may be able to provide you with a loan that suits your circumstances.

Simply visit our loan application page and complete the short online form. We’ll match you with a suitable lender based on your details.

Badger Loans is a UK-based credit broker offering quick and simple access to personal loans, bad credit loans, and other finance solutions. We work with a panel of lenders to find you the best loan options available. Learn more about us on our About Us page.

No, we do not charge fees, this is a free service. We are a broker who feeds our business into the Leadtree Global pingtree lending system. When you take out a loan with one of the companies Leadtree matches you to, they pay us a commission for the introduction. Leadtree are licensed by The Financial Conduct Authority. The company who offer you the loan might charge you a fee but that will be clearly stated and is between you and them.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Not by us but in order to receive any monies from a potential lender they will most likely perform a credit check on you. This will be clearly stated at the time and you will have the opportunity to refuse a credit check. If you do refuse to be checked, it is highly unlikely anyone will lend you any money.

Most lenders allow their customers the chance to repay their loan early if circumstances permit. However, it is always worth checking your loan offer before you sign and accept it to see if there are any redemption penalties for early repayment. ‘Early Redemption’ are the words you’re looking for and lenders are within their rights to ask for money from you to pay off early. That money will be a proportion of the interest to be collected.

If you get into difficulties and can’t make your monthly payment the first thing to do is speak to your lender. The worst thing you can do is to do nothing. It’s important to speak to the lender straight away so they can discuss ways in which they can help. They have a vested interest in helping you. If you are experiencing financial difficulty and building up debts, we would strongly advise you not to take any more loans from any credit providers and speak to somebody about your problem straight away. You can get free advice and support from a number of places, including Citizens Advice Bureau & The National Debt Helpline.

Typically you can borrow from £100-£25,000 but it depends on your application and how each lender views it. Some will be prepared to offer more than others. If you have a house to put up as security, as in a secured loan then you could borrow up to £500,000 subject to the usual conditions.

Yes, of course. The self-employed are most welcome in our system but you may need to supply more information about your income. It depends on the lender.

Yes you can. While we can’t guarantee you will be offered a loan we will do everything possible to match you to a lender who best suits your needs.

If you’re struggling with debt, consider seeking advice from organisations such as StepChange or Citizens Advice.