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Loan Type
Fluent Personal Loan
14.9% APR
Representative (£1,500-£25,000)
Loan Term
1 to 5 Years
£1,000 to £25,000

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Representative Example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

Loan Type
Everyday Loans Personal Loan
93.6% APR
Representative (£1,000-£20,000)
Loan Term
2 to 5 Years
£1,000 to £15,000

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Representative Example:The Representative APR is 93.6%. Based on a loan amount of £3,000 over 24 months at an interest rate of 67.9% p.a. (fixed). Monthly repayment of £231.78. Total amount repayable £5,562.75.

Loan Type
PCP Car Finance
Adverse Credit
Loan Term
60 Months

Get finance for a new car even if you have a poor credit rating or have been refused credit in the past. Drive away a brand new car!

Blip Car Finance

Features of a bad credit loan include:

  • You can use it to rebuild your credit history
  • Available to homeowners and tenants (secured or unsecured)
  • They often have higher interest rates than standard loan deals

While a bad credit loan will usually mean a higher interest rate, if you keep up with your repayments then you can use the loan to prove that your creditworthiness has improved, helping to repair your credit history, and then gaining access to more competitive deals in the future.

Bad credit loans are for people who have had:

  • Arrears
  • Late or missed payments and bills
  • CCJs (county court judgements)

An estimated 1 in 5 people in the UK have bad credit, so you’re not alone. This has brought about an increase in bad credit loan companies and has encouraged lenders to offer a wider range of competitive deals on bad credit secured loans and bad credit unsecured loans.

It is generally easier to get a lower rate if you are a homeowner, because you can then get a secured loan.

However, in exchange for a lower rate, you have to offer your home as surety to the lender which means that your home may be repossessed if you fail to keep up with repayments. This is why, for a higher rate, most people opt for unsecured loans if their credit allows, because they do not have to put their homes at risk.

Unsecured loans tend to have fixed rates, where as secured loans are often variable, which means payments could go up during the term and it might cost you more and take longer to repay it than you originally thought – another reason why they are not as popular as unsecured loans.

However, if you are applying for a bad credit loan, you may not have a choice. Lenders will see you as a risky borrower, and may require that you own your home as a guarantee so that they can recoup their losses if you default on the loan. But, if you can keep up with repayments, a homeowner loan could well be the best option, because you can:

  • Borrow more
  • Pay the loan back over a longer period
  • Get lower rates

Looking To Buy A Car? Bad Credit?

Looking to buy a new car but have a poor credit history. See below for options for your next new car.


Find the best bad credit loan for you:

Bad credit loans secured against a home are becoming more and more common, so there are a number of deals available on adverse credit homeowner loans available; finding a good deal on an adverse credit loan will depend on:

  • How much you want to borrow
  • Over what time period
  • If you need a homeowner loan or not

These things will all affect how much interest you pay. It is important not to rush into signing up for a loan without first knowing the terms and conditions and making sure that you can afford to repay it, and thus avoiding doing further damage to your credit rating.

You could consider remortgage as an option if you are a homeowner as this will be cheaper than a loan.

Comparing loans is the best way to find a good deal – this means checking the interest rate that you would be charged, as well as any other terms and conditions which apply, so that you find the best loan for your circumstances.



Homeowner Loan Representative Example:

The Representative APRC is 5.9%Based on an assumed loan amount of £48,000 (including broker fee of £2,505 & product fee of £495) over 240 months at an interest rate of 5% (varaible). Monthly repayment £316.78 & total repayable £76,027.20.