This comparison includes unsecured loans that may be available if you have poor credit.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
Evolution Money Personal Loan
Loan Amount
£1,000 to £15,000
Representative APR
17.6% APR (variable)
(£1,000 to £15,000)
Loan Term
1 year to 10 years
This is an unsecured loan, but you must be a homeowner to apply as it is designed for homeowners who would prefer not to secure a loan against their property.
Representative Example: The Representative APR is 17.6% APR (variable) so if you borrow £5,000 over 5 years at a rate of 12.7% p.a (variable) plus an arrangement fee of £500.00 you will repay £122.34 per month & £7,340.67 in total.
1st Stop Homeowner Plus
Loan Amount
£1,000 to £15,000
Representative APR
18.2% APR
(£1,000 to £15,000)
Loan Term
2 year to 6 years
Get an online decision in minutes. This is an unsecured loan, but you must be a homeowner to apply as it is designed for homeowners who would prefer not to secure a loan against their property.
Available to homeowners.
Representative Example: The Representative APR is 18.2% APR (variable) so if you borrow £5,000 over 5 years at a flat rate of 13% p.a (variable) plus an arrangement fee of £375 you will repay £137.84 per month and £8645.40 in total. The fee is included in your monthly repayments.
Citrus Loans Personal Loan
Loan Amount
£500 to £20,000
Representative APR
22.5% APR
(£500-£20,000)
Loan Term
1 year to 3 years
This is a loan broker.
Representative Example:The Representative APR is 22.5% APR (fixed) so if you borrow £3,000 over 2 years at a rate of 20.5% p.a. (fixed) you will repay £153.38 per month & £3,681.05 in total.
Moneyway Personal Loan
Loan Amount
£1,000 to £15,000
Representative APR
24.9% APR
(£5,000 to £6,999)
Loan Term
1 year to 5 years
Representative Example: The Representative APR is 24.9% APR (fixed) so if you borrow £5,000 over 4 years at a rate of 22.46% p.a (fixed) you will repay £158.73 per month & £7,619.04 in total.
Opal Loans Personal Loan
Loan Amount
£2,000 to £10,000
Representative APR
29.9% APR
(£2,000 to £10,000)
Loan Term
2 years to 5 years
Opal Loans offers a loan broking service. Please only apply if you are a home owner, aged 25 to 72, earning £15,000 per annum, and making regular payments to your mortgage.
This is a loan broker.
Representative Example: The Representative APR is 29.9% (variable) so if you borrow £7,000 over 3 years at a rate of 29.9% (variable) then you will repay £283.70 per month & £10,213.20 in total.
1st Stop Personal Loan
Loan Amount
£1,000 to £15,000
Representative APR
39.9% APR
(£1,000 to £15,000)
Loan Term
2 year to 6 years
Get an online decision in minutes.
Available to non-homeowners.
Representative Example: The Representative APR is 39.9% APR (variable) so if you borrow £5,000 over 5 years at a flat rate of 20.4% (variable) plus an arrangement fee of £375 you will repay £174.59 per month and £10,475.40 in total. The fee is included in your monthly repayments.
Trusttwo Guarantor Loan
Loan Amount
£1,000 to £7,500
Representative APR
39.9% APR (variable)
(£1,000 to £7,500)
Loan Term
13 months to 5 years
A low cost Guarantor Loan with no late fees. You must be able to afford loan repayments & have a guarantor with good credit.
Homeowner and tenant guarantors accepted.
Representative Example: The Representative APR is 39.9% APR (variable) so if you borrow £4,000 over 3 years at a rate of 34% p.a (variable) you will repay £178.69 per month & £6,432.75 in total.
Suco Guarantor Loan
Loan Amount
£1,000 to £12,000
Representative APR
39.9% APR
(£8,000 to £12,000)
Loan Term
4 years to 7 years
Homeowner guarantors accepted.
Representative Example: The representative APR is 39.9% APR (fixed) so if you borrow £8,000 over 5 years at a rate of 39.9% p.a. (fixed) you will repay £279.20 per month & £16,752.00 in total.
Likely Loans Personal Loan
Loan Amount
£1,000 to £5,000
Representative APR
47.9% APR
(£1,000 to £5,000)
Loan Term
1 year to 30 months
Representative Example: The Representative APR is 47.9% APR (fixed) so if you borrow £2,000 over 2 years at a rate of 47.9% p.a (fixed) you will repay £122.14 per month & £2,931.36 in total.
LendFair Ltd Guarantor Loan
Loan Amount
£500 to £5,000
Representative APR
48.0% APR
(£500 to £5,000)
Loan Term
6 months to 5 years
Homeowner and tenant guarantors accepted.
Representative Example: The Representative APR is 48% APR (fixed) so if you borrow £500 over 6 months at a rate of 39.8% p.a (fixed) you will repay £93.28 per month & £559.68 in total.
AvantCredit Personal Loan
Loan Amount
£500 to £20,000
Representative APR
48.5% APR
(£500 to £20,000)
Loan Term
1 year to 5 years
Fast funding within the same day of submitting the online application. No arrangement or early payment fees & not required to have a guarantor or own a home.
Representative Example: The Representative APR is 48.5% APR (fixed) so if you borrow £3,000 over 1 years at a rate of 40.17% p.a (fixed) you will repay £307.60 per month & £3,691.20 in total.
Glo Guarantor Loan
Loan Amount
£1,000 to £7,000
Representative APR
49.5% APR
(£1,000 to £7,000)
Loan Term
1 year to 5 years
Must not be bankrupt, in an IVA or similar.
Homeowner and tenant guarantors accepted.
Representative Example: The Representative APR is 49.5% APR (fixed) so if you borrow £3,500 over 3 years at a rate of 49.5% p.a (fixed) you will repay £170.41 per month & £6,134.76 in total.
George Banco Guarantor Loan
Loan Amount
£1,000 to £7,500
Representative APR
49.7% APR
(£1,000 to £7,500)
Loan Term
1 year to 5 years
Your interest rate and monthly payments will reduce over 3 years based on your timely repayments.
Homeowner and tenant guarantors accepted.
Representative Example: The Representative APR is 49.7% APR (fixed) so if you borrow £3,500 over 3 years at a rate of 31.9% p.a (fixed) plus a 12% fee you will repay £170.56 per month & £6,140.16 in total.
Amigo Guarantor Loan
Loan Amount
£500 to £5,000
Representative APR
49.9% APR
(£500 to £5,000)
Loan Term
1 year to 5 years
Borrow between £500 - £5,000 in 24 hrs & no fees or credit scores. Over 160,000 customers approved, with a new customer approved every 10 mins.
Homeowner and tenant guarantors accepted.
Representative Example: The Representative APR is 49.9% APR (variable) so if you borrow £4,000 over 3 years at a rate of 49.9% p.a (variable) you will repay £195.16 per month & £7,025.76 in total.
Aspire Money Personal Loan
Loan Amount
£500 to £25,000
Representative APR
49.9% APR
(£500 to £25,000)
Loan Term
1 year to 7 years
Aspire Money offer a loan brokering service with no upfront fees and have loans available that don’t require a guarantor. Please only apply if you are aged 18 to 65, employed or self employed with a income of more than £800 a month.
This is a loan broker.
Representative Example: The Representative APR is 49.9% (variable) so if you borrow £3,000 over 3 years at a rate of 49.9% (variable) then you will repay £146.39 per month & £5,270.04 in total.
UK Credit Tenant Guarantor Loan
Loan Amount
£1,000 to £4,000
Representative APR
54.9% APR
(£1,000 to £4,000)
Loan Term
1 year to 4 years
UK credit is a specialist no fee guarantor loan provider, they can lend to you even if your guarantor is not a home owner. If you have a guarantor who is tenant they can help you borrow from £1000 - £4000.
Tenant guarantors accepted.
Representative Example: The Representative APR is 54.9% APR (fixed) so if you borrow £2,000 over 3 years at a rate of 44.59% p.a (fixed) you will repay £101.66 per month & £3,659.76 in total.
Everydayloans Personal Loan
Loan Amount
£1,000 to £12,500
Representative APR
74.4% APR (variable)
(£1,000 to £12,500)
Loan Term
13 months to 5 years
Representative Example: The Representative APR is 74.4% APR (fixed) so if you borrow £3,000 over 2 years at a rate of 56.9% p.a (fixed) you will repay £211.98 per month & £5,087.52 in total.
On Stride Financial Personal Loan
Loan Amount
£1,000 to £5,000
Representative APR
89.0% APR
(£1,000 to £5,000)
Loan Term
1 year to 3 years
Representative Example: The Representative APR is 89% APR (fixed) so if you borrow £2,000 over 2 years at a rate of 65% p.a. (fixed) you will repay £151.47 per month & £3,635.31 in total.
118 118 Money Personal Loan
Loan Amount
£1,000 to £5,000
Representative APR
99.9% APR
(£1,000 to £5,000)
Loan Term
1 year to 2 years
Representative Example: The Representative APR is 99.9% APR (fixed) so if you borrow £1,500 over 2 years at a rate of 71.3% p.a (fixed) you will repay £118.88 per month & £2,853.12 in total.

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Can you get an unsecured loan with bad credit?

Finding a loan if you have a poor credit rating can be difficult, especially if you don't want to risk your home or possessions. But there are options out there, and knowing what to look for will help you find the best bad credit unsecured loans.

If you're looking for an unsecured loan, bad credit, caused by missed payments or in some cases simply having not built a credit history yet, can seriously narrow your options.

But if you want to buy a new car, improve your home or consolidate some existing debts you may still need a loan to help you pay for it. The trick is knowing what to look for.

The cheapest loan options are usually secured loans, which use your home to guarantee the balance if you have built up enough equity. However not everyone has this luxury, and if you don't own your home or don't want to risk losing it you can opt for an unsecured loan instead.

With no collateral involved, these are based purely on the lender deciding whether or not you can repay it. The lender's affordability checks will cover what you earn, your monthly outgoings and your credit rating.

Even if you have a history of bad credit, you should still go about your personal loan comparison in the same way; however, your choice will be limited to specialist "bad credit loans". Here's how to get the cheapest bad credit loan:

How large a loan do you need?

How much you borrow will affect what companies will offer you a loan and the interest rates they charge, so decide how much you need before applying. This will stop you wasting time looking into unsuitable products and help you more accurately work out what each loan will cost you. Simply match your required loan to each lender's maximum / minimum borrowing figures.

How long do you need to repay the loan?

You can often choose the length of the term you repay your loan over. A longer period will make your monthly payments smaller and can sometimes come with a lower APR, but you'll probably pay more interest overall. So when you choose the term of your loan, make sure you can comfortably afford the amount you need to pay each month, while still keeping the term as short as possible.

Would you like the loan to be fixed or flexible?

A fixed loan allows you to pay the same amount each month, making it easier to plan your budget. If the loan provider supplies a loan repayment calculator, you should be able to work out how much the payments will be depending by specifying the amount and term. With a flexible loan you'll still owe that fixed monthly amount, however you may also be allowed to pay off the loan early or make overpayments.

Fixed or variable interest?

A fixed interest rate will give you the peace of mind of knowing exactly how much you need to pay each month, as the rate you pay will be guaranteed for the loan's entire term. Variable interest rates aren't guaranteed, so could go up or down. This could leave you needing to pay back more than anticipated and could even be the difference between being able to pay back the loan or not.

Are any fees charged?

Loans can often charge set-up fees as well as interest, so be sure to factor these in when you work out the total cost of the loan. These can include charges for early repayment or for getting the money to you on the same day. Many unsecured bad credit loans are sold through brokers, so make sure you check for their fees too.

Will you be eligible for the loan?

If your credit rating is already low, you won't want to make it worse, so apply for unsecured personal loans for bad credit with caution. If you apply for too many, this could make your credit rating worse, so try to stick with the companies that will be willing to lend to you and don't just apply to all companies in the hope that one will accept. Our article How to check your credit report can help give you an idea of where you stand.

As well as your credit rating, keep an eye on the terms and conditions for any other eligibility criteria the lenders have, such as your age, your residential status, that you have a current account and a regular income.

Homeowner guarantors

Many of the loans you find advertised will only be available if you have a guarantor to back you up. This means that while the loan is unsecured for you, your guarantor must agree to pay it if you miss your payments. Most lenders require your guarantor to be a homeowner; if both of you fail to pay the loan they could lose their home. So be sure to make sure your guarantor knows of the risks before your apply.

Compare unsecured loans for poor credit

Providers generally see unsecured loans as risky, as there is no collateral to recover their money from if repayments are missed. So unsecured loans for bad credit often have higher interest rates, which makes it even more important to look for the best deal you can find.

Our unsecured loans bad credit comparison will help you find the best interest rates, but when you decide on the right loan for you, make sure you consider its total cost by looking at the monthly repayments and fees. Combine this with looking for the amount you need, available for repayment over a period that suits you.

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