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. 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.
Repayments for personal loans are made in fixed monthly instalments over an agreed term — 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, making the process simple and predictable. It’s important to make your payments on time to avoid extra charges and to help maintain or improve your credit profile. 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.
No, checking your eligibility through our quick application process won’t affect your credit score.
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.
Some lenders can transfer funds the same day you’re approved, while others may take a few working days. The speed depends on the lender’s processes, your bank, and how quickly you provide any requested documents. The clincher is having both the lender and receiver able to take and receive Faster Payments.
You can borrow from £1,000 to £15,000 with flexible terms ranging from 1 month to 5 years.
Yes, you can repay your loan early at any time, and there are no penalties for doing so.
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.
Not always. Many personal loans are unsecured and based on your own creditworthiness. However, if your credit history is poor or your income is low, a lender may ask for a guarantor to increase the chance of approval.
