Loans for Bad Credit

Bad credit loans in the UK can be very hard to find, and if you find yourself with a less-than-perfect credit score, it will always be more difficult to find the loan you need for your circumstances.

Financial emergencies don't discriminate – they can strike anyone, anytime. That's why at Doddler, we strive to connect individuals with less-than-perfect credit histories to potential lenders.

Whether you need a short-term bad credit loan or a long-term bad credit loan, Doddler may be able to connect you to a direct lender that can help.

Whether you need a £100 or £1,000 loan with bad credit, you can submit a loan request through Doddler. The money can be used to cover emergency bills, vehicle repairs, home improvements, or other pressing personal financial obligations.

Loans for Bad Credit

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What Is a Bad Credit Loan?

Unfortunately, there are no special types of loans geared toward bad credit applicants. Nevertheless, consumers can apply for a short-term personal loan or an instalment loan to cover their emergency expenses.

Some lenders may be willing to work with bad credit applicants despite their damaged history. However, keep in mind that finding a loan with bad credit will be difficult.

Even if you are able to find a loan with bad credit, the lender will likely charge you a very high-interest rate. Also, bear in mind that some lenders may require a guarantor or loan collateral to reduce their risk when it comes to lending to people with less-than-perfect credit.

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Request a Loan with Bad Credit

When you find yourself in any kind of financial emergency, it’s important to act fast to get a plan in place to resolve it. Securing a bad credit payday loan can help to ease the financial burden placed upon you and your family.

Here is the three-step process to apply for a bad credit loan. As a reminder, funding is not guaranteed.

  1. Simple Online Application for Bad-Credit Borrowers: At, we understand that poor credit can make it difficult to access the funds you need. Begin your loan application by submitting basic personal information in our user-friendly online form. You can apply for up to £5,000, even if you're a borrower with less-than-perfect credit.
  2. Connecting with Direct Lenders: will make an effort to connect you with a direct lender from our extensive and reputable network. While we can't guarantee a connection, our team is dedicated to finding potential lending options suited to your financial situation.
  3. Finalising Your Loan: If you are approved, you'll proceed to finalise your loan directly with the lender. With timely completion of the necessary steps, you may receive funding as soon as the same day, helping you tackle your financial needs head-on.

Please note that having a bad credit history may limit your options when it comes to loans and obtaining credit in the UK. At Doddler, we work with a wide network of direct lenders. Some of these lenders may even be willing to work with bad credit applicants.

It is very important that you ensure you are able to afford the scheduled repayments. This applies to bad credit loans, as well as short term loans and £5,000 loans online.


The Importance of Repayments

Remember that missing or avoiding repayments for a bad credit loan could result in financial difficulty and will further negatively impact your credit score.

Bad credit loans might not be for you, and for many people, they are not a viable option, as repayments may be difficult to make. Therefore, always check the alternatives, such as borrowing money from family and friends or asking your employer for a salary advance, or perhaps making use of your bank’s overdraft option.

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Am I Eligible for a Bad Credit Loan?

Each lender we work with has its own eligibility criteria. Many of them also have minimum credit score requirements.

The lender will check your application against their lending requirements. These checks typically involve considering your past credit and financial history and also looking at your current income.

Each FCA-authorised direct lender that we work with has its own specific criteria that applicants for a bad credit loan must meet. However, the general criteria will include the following:

Personal Information

Have proof of identification

Age verification

Be over the age of 18

Resident information

Be a resident of the UK

Bank Information

Have an active bank account

To get started with your application, fill out our online form today.

How To Get a Loan with Bad Credit

Applying for a loan when you know you have bad credit or poor credit history can be daunting. Credit scores form an important part of any lender’s underwriting process, and many lenders have a minimum credit score requirement.

Keep in mind that all lenders conduct credit checks. They will also require documentation to verify your identity and your income.

Some lenders may be willing to work with damaged credit applicants. These lenders may consider income alongside credit when determining eligibility.

Get started online today!

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What Can I Use a Bad Credit Loan For?

People use their bad credit loans for a range of different reasons. Some people choose to use their bad credit loan for bills and unexpectedly high household expenses, whilst others use it for home improvements and vehicle repairs.

Below, we have compiled a short list that shows you what you could use a bad credit loan for.

A bad credit loan could be used for:

  • Home improvements, e.g. redecorating or renovating a room
  • Home repairs
  • Household repairs, e.g. replacing an appliance
  • Vehicle repairs
  • Vehicle costs
  • Veterinary bills
  • One-off high energy bills
  • Unexpected travel costs
  • Business equipment
  • Medical bills

A general guideline: refrain from applying for a bad credit loan to cover large expenses or ongoing debt. Using a bad credit loan in such cases could exacerbate debt and negatively affect your credit score.

Apply for Bad Credit Loans Today With Doddler

Bad credit loans may be able to help you get back on your feet and out of trouble when financial emergencies strike. Even if you have a bad credit score, we may be able to connect you with a direct lender in the UK that can help. Get started today and apply for a bad credit loan online with Doddler!

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