Looking for a Loan?

We know how frustrating it can be when you just can’t find the money you need when you have adverse credit.
Adverse credit is often used to describe a less-than-perfect credit history. If you’ve had difficulty keeping up with repayments on credit in the past - whether that’s a loan, credit card or even a mobile phone payment - this will show on your file and impact your score.


When considering any loan application, lenders will check your credit report and might view adverse credit as a red flag. That’s because it could indicate you’re not good at handling money, making it risky to lend to you again.

Don’t worry though, it’s not all doom and gloom. There are lenders who specialise in lending to people with a poor credit history (and we’ll help you find them), whether that’s mortgage arrears or a CCJ. After all, everyone deserves a second chance, right?

How do I know if I have bad credit?

If you haven't seen your credit score, you can check your report through credit reference agencies such as Equifax, Experian and TransUnion. Lenders also use these companies to complete your credit check after you apply for a bad credit loan.

Having bad credit doesn't necessarily mean that you can get a loan, but you should look at all your options before choosing which to take, if any as you'll need to make sure the loan you've been offered is suitable.

Need a loan quickly?

Taking out a loan can be a helping hand for your finances when you need it – whether you’re looking to buy a new car, make some home improvements or dealing with existing debts, a personal loan could be right for you.

Using a broker helps find the right loan for you, they can send your details to many different lender to find you a company that may lend you what you need. This saves you time, some lenders even pay out the same day but you should check the details of any loan before going ahead.

We have found a great broker that can help you on your search, click below to get started