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%.
Bad credit loans are specifically designed for individuals who have struggled with credit in the past. Whether you have defaults, CCJs, or missed payments, a bad credit loan allows you to access finance when traditional lenders might turn you down. At Badger Loans, we work with responsible lenders who understand your situation and are willing to look beyond your credit score. This means we can offer you the best rate possible for an affordable monthly payment.
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 up to 50 lenders in the UK who are able to offer loans for people with bad credit scores. This can be done quickly too. So if you need a bad credit loan, you’ve come to the right place.
Customers can apply for up to £15,000 with options to repay over 1 to 60 months in monthly instalments. If you want to repay early, you can do so at no extra cost!
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.
If you have a bad credit score, Badger Loans will be able to match your criteria and requirements with up to 50 responsible lenders in the UK. This will help you boost your chances of approval and get the funds you need. You may have searched for terms like “guaranteed loan” or “no credit check loan,” but it’s important to know that such products are not available in the UK from regulated lenders. All responsible lenders conduct credit and affordability checks to ensure loans are suitable and manageable for the applicant. Be cautious of any website or company that claims to offer guaranteed approval or no credit checks — these could be unregulated or potentially fraudulent. At Badger Loans, we only work with FCA authorised lenders who carry out appropriate checks in line with responsible lending rules.
Repayments for your bad credit loan are typically made in monthly instalments, with the amount and duration agreed upfront before the loan is issued. Your repayment schedule will depend on how much you borrow and over what term, and it’s designed to be as clear and manageable as possible. Payments are usually taken automatically from your bank account on a set date each month. If you think you might struggle to keep up with a payment, it’s important to contact your lender as soon as possible to discuss your options. Staying on track with your repayments can also help improve your credit score over time.
Get your decision in minutes and, if approved, receive your funds within the hour. Applying won’t affect your credit score.
A bad credit loan is designed for people who have struggled with credit in the past. It provides an opportunity to borrow money even if your credit history includes missed payments, defaults, or CCJs.
Our initial soft search won’t impact your credit score. A full credit check is only performed once you accept a loan offer.
Yes, you can repay your loan early at no extra cost, potentially saving on interest.
Yes. Consistent, on-time repayments can help rebuild your credit profile over time. However, the improvement won’t be instant and missing even one payment can undo the progress. It’s important to borrow only what you can comfortably afford to repay.
Once approved, you could receive the money from your bad credit loan in your bank account within 1 hour, though it typically takes 1-2 working days.
There are no upfront fees for applying with Badger Loans. You only pay the agreed interest rate on the loan you receive.
It’s possible but your options will be limited. Some specialist lenders may consider your application if the loan is affordable alongside your DMP payments. Always check whether taking on more debt is the right move, as it could affect your existing arrangement.
Yes. “Guaranteed” often refers to meeting basic eligibility criteria, not an automatic yes. Lenders still run checks on affordability, income, and existing debts. If you don’t meet these, your application may still be declined despite the marketing language. There is no such thing as a ‘guaranteed’ loan.
