Urgent Bad Credit Loans - Get Money Fast Up to £25,000

Badger Loans is a broker not a lender.

Badger Loans will NEVER and does not charge any fees either up front or during any part of your loan process. Nor do we call our customers as we are 100% online. If you receive a phone call or any communication from anyone purporting to be from Badger Loans it is highly likely you are being scammed and you should not part with any money. Please always check the firm you are dealing with is licensed by the Financial Conduct Authority and clearly displays their FCA number. Ours is 747140. FCA Register Search >

Bad Credit Loans up
to £25,000 - Urgent
Loans for Bad Credit

Bad Credit Loans

Bad credit loans allow those with less than perfect credit scores to access the finance they need. At Badger Loans, we work with a panel of over 30 lenders in the UK who are able to offer loans for people with bad credit scores.

Customers can apply for up to £25,000 with options to repay over 1 to 60 months in monthly instalments – and if you want to repay early, you can do so at no extra cost!

Our online loan application takes less than 5 minutes to be complete and will provide an instant decision (around 1-2 minutes) on screen. If successful, you can receive funds within 1 hour or the same day of applying.

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How to Apply for Bad Credit Loans

Click on the ‘apply now’ button to start your application for a bad credit loan. You will be required to provide some basic information including your name, age, address, income, expenses and bank details so the lender knows where to transfer the funds to.

If you have a medium or fair credit score, you could be eligible for an unsecured loan which will not require any extra security or collateral.

You will receive an almost instant decision on the screen and subject to further checks, your loan can be approved and funds transferred to your bank account within 1 hour. Most likely your loan will be available within 1-2 working days.

Who is Eligible for Urgent Bad Credit Loans?

Bad credit loans are available for those with recent defaults, CCJs, IVAs or payments in arrears. At Badger Loans, we appreciate that emergencies can arise that make it hard to stay on top of everyday bills and expenses.

However, simply because you have missed the odd repayment in the past does not mean that you cannot access affordable finance in the future. If you are employed, have a regular income and are dedicated to making future repayments on time, we can help you get the loan you need.

How Can I Get a Loan with Bad Credit?

If you have a bad credit score, Badger Loans will be able to match your criteria and requirements with up to 30 responsible lenders in the UK – helping you boost your chances of approval and get the funds you need.

Bad credit loans are based on the lender being able to assess risk and maximise their chances of being repaid on time. To manage this risk, the interest rate you pay may be a little higher depending on your credit score or the lender may adjust or lower the amount you wish to borrow so you avoid falling into financial difficulty.

To get a loan with bad credit, you can improve your chances by having a regular and stable income and show proof of making recent repayments on time for other financial products such as loans and credit cards. If lenders can see that despite a bad credit score, you are showing an eagerness to repay on time, this will help maximise your chances of approval.

Any other ways you can improve your credit score will also contribute to your success and this could include paying off any existing credit card bills, closing any cards that you do not use, joining the electoral register and avoid making multiple loan applications in a short space of time.

How is Badger Loans Different? 

Badger Loans wants to help you get the finance you need at the most competitive rate. We understand how difficult it can be to get a loan with bad credit and the time and energy it takes to apply with multiple lenders.

However, our state-of-the-art matching system aims to match your requirements with the lender most likely to approve your application – saving you time and effort. We also set the system to look for the lender who will charge you the least interest. A loan is a loan regardless of what it’s called for marketing purposes. Bad credit loans are no different. They are an amount of money being lent at a certain rate for a specific period of time just like any other loan. Just more expensive.

There are no upfront fees for applying and an application will not impact your credit score. Simply click on our apply now button to receive an instant decision and possibly get access to funds on the same day.

Why Apply For A Personal Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need a Personal Loan
  • Good or Bad Credit
  • With or Without Guarantor

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

Badger Loans