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%.
A £1,000 loan is commonly used to cover essential costs that can’t wait until payday. Typical examples include emergency household bills, urgent rent shortfalls, replacing or repairing a broken boiler, unexpected car repairs, and funeral-related costs. In these situations, a £1,000 loan can provide short-term breathing space when savings are limited and the expense is time-sensitive.
Some people also use £1,000 loans for planned costs, such as consolidating smaller debts into one repayment, or helping fund weddings and other special occasions. The key is to borrow for a clear purpose, check the total repayable amount, and make sure the monthly repayments fit comfortably within your budget.
Badger Loans works with up to 30 reputable lenders who are authorised by the FCA. We can help you borrow £1,000 over 12, 24, 36 months or longer.
To check your eligibility, simply click on ‘apply now’ below and you will be able to complete your online application in less than 5 minutes. You will receive an almost instant decision on the screen. If successful, you could receive funds to your bank account on the same day.
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.
Yes, the lenders we have partnered with at Badger Loans are willing to take a view on bad credit histories. You can still apply even if you have had a CCJ or currently have poor credit. Likewise, it’s worth applying if you’ve recently exited an IVA.
To be eligible, our lenders want to see that you have a regular income from work being paid into your bank account each month. They will want to see that you have got into the pattern of making regular payments for other forms of credit such as loans and credit cards.
Provided that you are employed and your credit history is getting better, and not worse, you should be eligible for a loan with us.
Repayments for your 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.
To see if you could qualify, try our Affordability Calculator — it only takes 2 minutes and won’t affect your credit score.
Get your decision in minutes and, if approved, receive your funds within the hour. Applying won’t affect your credit score.
£1,000 loan in the UK is a type of borrowing where you receive £1,000 upfront and repay it in monthly instalments over an agreed term, plus interest (and any applicable fees). Most £1,000 loans are unsecured, so you usually don’t need to put up an asset like your home or car as security.
The total cost depends on the lender’s APR, loan term, and your circumstances. Before applying, check the total amount repayable, whether the repayments are affordable, and any late payment or early repayment charges.
Badger Loans offers £1000 loans in the UK for all credit ratings. If you are looking for a £1000 Loan in the UK, the best thing to do is consider how long you need the money for. You also need to consider how affordable it will be and how you are going to repay.
When we have an emergency expense, we often need to think quickly and get funds as soon as possible. However, it is important to consider whether you can afford the cost of repayments and can make repayments on time each month.
Before taking out any loan it’s always worth considering the following. How secure is your job right now? Is your relationship stable and unlikely to break down over the course of the loan? Is a partner seriously ill and needing care? None of these things are obviously apparent certainly not without the help of foreknowledge but are still worth considering. That’s because if you have a feeling one of the above could be about to happen, don’t take out a financial commitment just beforehand.
Always take a moment before applying for a loan and make sure that you read the terms of the agreement before you proceed.
Yes. Many lenders in our panel offer £1,000 loans for bad credit as long as the repayments are affordable. They look at your income, stability and overall financial position, not just your past credit issues. Use our Budget Calculator to check affordability and review our Bad Credit Loan Tips in the Support Hub before applying.
Most lenders offer terms from 3 to 24 months on a £1,000 loan. Shorter terms mean higher monthly payments but less total interest; longer terms reduce repayments but increase overall cost. You’ll see tailored options once you complete our soft-search application (no impact on your credit score).
Yes. Being declined by one lender doesn’t mean all lenders will say no. A £2,000 or £5,000 loan may still be possible through our broker panel, especially if your income is stable and you pass affordability checks. Our lenders use different criteria, so applying through us avoids multiple hard searches.
Yes. £1,000 is one of the most frequently searched and approved loan amounts, as it’s large enough to cover urgent costs but still manageable for many borrowers.
Most £1,000 loans do not require a guarantor. Approval is usually based on your own financial situation.
It can be. A fixed-rate loan may be cheaper than carrying a balance on a high-interest credit card, especially if you repay over a set term.
Most lenders begin with a soft credit check, which does not affect your score. A hard check usually only happens if you accept an offer.
Yes. UK lenders allow early repayment and you may save on interest. Any early settlement charge is capped by regulation.
Yes. All legitimate lenders offering £1,000 loans must be authorised and regulated by the Financial Conduct Authority (FCA).
There’s no fixed income requirement. Lenders look at whether your income is regular and sufficient to comfortably cover the repayments.
Always review the APR, total amount repayable, repayment term and ensure the monthly repayments fit your budget without strain.
Yes, it can be. Some lenders consider first-time borrowers, provided they can demonstrate regular income and pass affordability checks, even with a limited credit history.
Yes. Many lenders accept self-employed applicants, although you may need to show recent income evidence to confirm affordability.
Some lenders accept certain benefits as part of your income, particularly when combined with other earnings. Acceptance depends on affordability and lender criteria.
