Bad credit loans for people with low credit scores

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3 to 36 month terms.

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Representative 49% APR.

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 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.

CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.

CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.

Loans between £50 and £5000 over a 3-month to 36-month term.

Warning: Late repayment can cause you serious money problems. For help, go to

What is bad credit?

If you need a loan for bad credit but have been turned down, 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.

Bad credit loan questions:

Q1 – Can I still get a loan if I have a bad credit history?
Q2 – How long does it take to be approved for a bad credit loan?
Q3 – How much can I borrow with bad credit?
Q4 – I have a CCJ, can I still get a bad credit loan?
Q5 – Does having a low credit rating mean I will pay more for a loan?
Q6 – Can I get a bad credit loan without a guarantor?
Q7 – Will you credit check my application?
Q8 – What is a soft credit search?
Q9 – Can I get a guaranteed loan with bad credit?
Q10 – How can I improve my credit score?
Q11 – Are loans for bad credit regulated?
Q12 – Who is the best direct lender for bad credit?
Q13 – What information do I need to provide?
Q14 – Is my personal information safe?

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 bad credit loan lenders specialising in providing loans for a bad credit score.

At CUJ Loans, our broker partner, has built a panel of direct UK lenders who provide short term loans for bad credit. By completing an online application, they can quickly identify if you will be accepted. They can help you access some of the best loans for bad credit from direct lenders in the UK.

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As with all short term loans, instant 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 partner’s 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 on the same day*.

Whatever your circumstances, CUJ Loans will help you find the best loans for bad credit on the market and ensure you benefit from the same great service as all other customers. Bad credit loan lenders are waiting to consider your application and our broker partner works with a variety of these lenders so you can compare loans for bad credit in one place.

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How much can I borrow with bad credit?

At CUJ Loans our broker partner works 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 CUJ Loans, 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 payment for several months and has taken the matter to court.

Many lenders who offer loans for really 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. If you need a loan for really bad credit, our bad credit loan lenders are available 24 hours a day, every day.

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. Cheap loans for bad credit or low APR bad credit loans can be difficult to obtain due to the higher risk of a poor credit rating.

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The direct lenders that our partner works 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. Loans with bad credit and no guarantor have increased in popularity in recent years as more bad credit lenders have entered the market.
CUJ Loans is a loan introducer, not a lender. This means that we will not perform a credit check on your application. The bad credit lenders that our broker partner works 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 that 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. Unemployed loans for bad credit are difficult to obtain as poor credit lenders will need to see that the borrower can afford to repay the loan.

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 CUJ Loans, our broker partner ensures that all of their 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.

CUJ Loans’ broker partner has a panel of lenders who offer access to short term loans to all types of customers, even those that may have been declined elsewhere of their poor credit history.

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. Our broker partner works with lenders who have been carefully selected to ensure that our customers are treated fairly. Their direct lenders have also been selected because of their willingness to consider 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 our partner works with a large panel of lenders who offer bad credit loans.

By completing an online application, our broker partner 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 they offer.

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.

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

What do I need to get a Loan?

  • 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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