Bad credit loans for people with low credit scores

£100 to £5,000 paid out by 12:25pm *

Fast 3 to 36 month loans.

  • We have a 95%
    Acceptance Rate
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    Application
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    Ever!
  • All Credit Scores
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Quick Eligibility Check

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Will you be approved?

Representative APR 49.9%.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Loan term lengths from 3 to 36 months. Loan amount subject to lender's requirements and approval. *Once approved, your cash will be sent within 15 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

What is bad credit?

If you have been turned down for credit, the likely reason is that you have a lower credit rating than the lender will accept. There are a variety of things that can impact a person’s credit rating. The first, and most obvious, is their history of repaying credit. If you have missed, or been late with a repayment, then this will have been recorded on your credit file.

If you have multiple late, or missed payments, your credit score will have been impacted and this will make obtaining credit from mainstream lenders, such as your bank or building society, very difficult.

There are other variables that can reduce a credit score, such as making multiple applications for credit in a short period of time, having multiple addresses in the last three years, going overdrawn on your bank account and going up to the credit limit on credit cards.

Whether you have a good or a bad credit history, needing to borrow money can be a stressful time. However, for those with a poor credit score, knowing where to turn in times of emergency can be extremely difficult. Loans for bad credit have become more readily available in recent years, with many direct lenders specialising in providing bad credit loans.


At CashUpJar, we have built a panel of direct UK lenders who provide short term loans for bad credit. By completing an online application, we can quickly identify if you will be accepted. We can help you access the best loans for bad credit from direct lenders in the UK.

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Apply for £100 - £5,000 in 60 Seconds

As with all short term loans, loans for bad credit are available for you to apply for online, at any time of the day or night. Even if you have very bad credit our panel of bad credit lenders will return an instant decision on your application. Once your application for a quick loan for bad credit has been approved, the direct lender will transfer the money to your bank account within 15 minutes*.


Whatever your circumstances, CashUpJar will find you the best loans for bad credit on the market and ensure you benefit from the same great service as all other customers.

£13per month

The approximate interest for borrowing £100

CashUpJar is an authorised and regulated credit broker – not a lender: Rates between 9.3% APRand 1294% APR – your no obligation quote and APR will be based on your personal circumstances – we compare short-term loans from over 50 lenders to get you the best APR possible for you. Loan term lengths from 3 to 36 months.

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Eligibility Check

How much can I borrow with bad credit?

At CashUpJar we work with bad credit UK lenders who offer loans between £100 and £5,000. You can also spread the monthly repayments for your bad credit short term loan over 3 to 36 months. Such instalment loans give great flexibility and allow you to set a realistic budget. You can also use your same day loan for bad credit for virtually any purpose.

At CashUpJar, we understand that there are varying degrees of poor credit. Having a few late credit card payments or going overdrawn on your bank account can reduce your credit rating, however, if you have missed several payments in a row, it is likely that you have done more serious damage. Once you have missed three payments in a row, it is likely that the lender has issued you with a default. This, quite simply, rules you out of getting credit from a mainstream lender, such as your bank. A County Court Judgement (CCJ), is more serious again. This is where the lender has been unable to obtain a payment for several months and has taken the matter to court.


Many lenders for bad credit will still consider an application for a loan with a CCJ. If, since the CCJ was issued, you have displayed a willingness to repay credit on time, very bad credit direct lenders may be able to help.

It is unlikely that you will be approved for a loan from a bank with a bad credit rating. Lenders operate on a rate for risk basis, meaning the better your credit rating, the lower the interest rate you are likely to be offered. As explained previously, the lenders that we work with specialise in providing loans for bad credit ratings. These loans will have a higher interest rate than the cheapest unsecured loans, however, the rates offered when you apply for a loan with bad credit will be no higher than 0.8% per day. This is due to a rate cap being placed on all short term loans.

How do you get a loan with us?

The process explained...
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Ready for a quick loan?

Apply for £100 - £5,000 in 60 Seconds

The direct lenders that we work with provide short term loans with no guarantor. We understand that many people prefer no guarantor loans as they want to keep financial matters private, or they do not want to ask a friend or family member to act on their behalf. Having a guarantor is an option for some companies as having a third party co-sign the loan gives them an extra level of security. As a result, these loans can sometimes be cheaper.

CashUpJar is a credit broker, not a lender. This means that we will not perform a credit check on your application. The bad credit lenders that we work with all use soft search technology. This means that when they give you a decision on your application, they do so without leaving a footprint on your credit file. It is only after you have accepted the loan offer than the lender will complete the full credit check.


There is no such thing as a no credit check loan, this is because all lenders are authorised and regulated by The Financial Conduct Authority and are required by law to complete a credit search.


Bad credit direct lenders will look at multiple factors when assessing an application. Obviously, a person’s credit history plays a part, but lenders will also look at their recent history of repayments, their income and expenditure, how long they have lived at their address, whether they are a homeowner or tenant and their employment status.

There are two types of credit check, a hard search and a soft search. A ‘hard search’ is a credit search that is carried out by a lender. This search can be seen by other lenders when they perform a credit search. Multiple hard credit searches can have a negative impact on your credit report. A ‘soft search’ is different, it is still a search carried out by lenders, but it is more of a background check. This does not leave a footprint on your credit file, so other lenders cannot see it, meaning it has no impact on your credit score.


When you apply for a short term loan through CashUpJar, we ensure that all of our direct lenders will only perform a soft credit search. Once you have decided to accept the lender’s loan offer, they will perform a hard search, which they will do before paying out the loan.

Unfortunately, there is no such thing as a guaranteed loan for bad credit. As explained previously, all credit applications are subject to a credit check. You may see some companies advertising 100% guaranteed loans or no credit check loan, however these are false claims.


CashUpJar has a panel of lenders who offer short term loans to all types of customer, regardless of their poor credit history. With an acceptance rate of 95%, you can rest assured that you are in the right place to find your bad credit loan.

If you have a poor credit rating and want to improve it there a couple of things that you can do. It is important to ensure that the information that the three credit reference agencies hold on you is accurate. You can do this by requesting a copy of your credit report from Experian, Equifax and Call Credit. If there are any errors on the report, you can contact them to request that they are amended. It is important to close any old or unused current accounts or credit/store cards. These will show in your available credit and may impact a lender’s decision.


Time is the main healer when it comes to repairing a poor credit rating. Making repayments on time on all credit, utility and telephony contracts will gradually see your credit rating improve.

All lenders in the UK have to be authorised and regulated by The Financial Conduct Authority. This means that everything they do, from their advertising, their processes, how they treat customers, and the loans that they offer all have strict sign off procedures. CashUpJar work with lenders who have been carefully selected to ensure that our customers are treated fairly. Our direct lenders have also been selected because of their willingness to provide loans to customers who have bad credit.

All direct lenders are different in terms of the short term loans they offer and the customers that they will accept. The best loan for bad credit differs from person to person. There is no ‘one size fits all.’ That is why we work with a large panel of lenders who offer bad credit loans.


By completing an online application, CashUpJar will refer your application to the best bad credit lenders, ensuring that your application is passed to the cheapest short term lenders first. This makes sure that you get access to the best bad credit loans.

To complete your online application, we will ask you for your personal contact information, employment and residential details and details of your monthly income and outgoings. There is no paperwork to complete and your application is 100% non-obligational. Lenders will require your bank details to verify your identity.

All of the information that you provide on your application is kept totally secure in 3rd party data centres with extremely high levels of security. We do not store your bank details and only keep your information for the purposes of your loan search.


CashUpJar is licenced by The Information Commissioner’s Office. For further details please see our Privacy Policy.

What do I need to get a Loan with CashUpJar?

  • Over 18 Years of Age
  • Income over £400 Per month
  • Have a Bank Account with Debit Card
  • Be a UK Resident
  • All Credit Scores Considered
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  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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