Poor credit loans with high approval rates

£100 to £5,000 paid out by 5:51am *

Fast 3 to 36 month loans.

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome
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 are poor credit loans?

Available in a variety of sizes, from the very small right up to thousands of pounds, loans for poor credit also feature a variety of repayment periods; enabling you to select the best plan for you and meaning you are not forced to accept unfavourable loan terms. Furthermore, to make these loans more accessible, many poor credit direct lenders are now looking at a variety of factors when considering your application for a short term loan.

In the past, lenders would focus on your credit score, poor credit direct lenders realise such scores never truly tell the full truth about your situation. As such, they will now consider other issues such as your current financial situation when considering your application. This has resulted in more people than ever before being able to borrow money with poor credit.

£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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Find out your chances of being approved for a loan, without leaving a footprint on your credit file. Totally free and no obligation to apply.

Eligibility Check

Is a poor credit loan right for me?

Poor credit short term loans have risen in popularity in recent years due to more mainstream lenders only lending to people with a good or excellent credit score. In the past, if you had poor credit, it would have been extremely difficult to be approved for a short term loan. As a result, people were forced to turn elsewhere, often succumbing to the promises of untrustworthy lenders who would then charge incredibly high interest rates and suddenly unveil a whole host of hidden charges. This meant that a poor credit loan was often the very last resort for many people. Seeing this was clearly unfair, many lenders have begun offering poor credit personal loans, featuring favourable interest rates and repayment terms.

In the past, people looking for poor credit loans avoided some lenders simply because such loans were often too expensive and didn’t provide the amount of money required. With how we borrow money now changing, lenders have also begun to offer varying amounts of loans in an attempt to better reflect the demand for more personalised loans. This means that lenders can now provide you with higher loan amounts, usually up to £5,000. Most direct lenders will also allow you to spread the repayments over a longer period, some even up to 36 months.


The amount of money that you will be able to borrow will be different for each person. We work with a range of direct lenders who specialise in providing poor credit loans and you can use our Eligibility Checker to see your likelihood of being accepted. It is likely that if you have a low salary, it will be more difficult to be accepted for a higher loan amount, so only apply for what is needed.

Ready for a quick loan?

Apply for £100 - £5,000 in 60 Seconds

The need for a loan is often sudden and unexpected. As such, these situations can often become stressful, particularly when you struggle to see where you can get the money you need from in an emergency. Understanding this, and to better reflect the modern need for speed in everything we do, most money lenders nowadays offer instalment loans that can be paid into your account quicker than ever before. What this means is that once your application is approved, our panel of lenders can send the money to you in as quick as 15 minutes*.


As with the other loans we offer, our range of poor credit loans features a simple application process and instant decision. This means that your application will not take any longer simply because you suffer from poor credit. Available online and on any mobile device, computer or tablet, we can help you find the best same day loans for you, 24 hours a day, 365 days a year. Therefore, no matter what situation you suddenly find yourself in, you can rest, safe in the knowledge that there is always an option for you. Offering competitive repayments and providing you with complete control over your loan, we will do everything we can to ensure you quickly get the right loan for you, on your terms.

As people are all unique, so are their credit histories and circumstances. What is the best loan for one person might be totally unsuitable for the next. At CashUpJar we work with a market-wide panel of lenders to ensure that no matter what your circumstances, we have a product that suits what you need. Some direct lenders will issue poor credit loans to customers who have missed the occasional payment, where others cater to customers who are looking for very poor credit loans. Some customers who have had a CCJ, for instance, will struggle through most poor credit lenders, however, CashUpJar work with specialist lenders that will consider even the lowest credit score for a loan, if they can display that recent credit has been repaid and that they have the ability to meet the repayments

The amount of time it takes to improve your poor credit rating will depend on how bad it is. Making repayments on time, correcting any errors, getting on the electoral roll and reducing your debt can all help, but the biggest healer is time, as long as you do not make late payments or go over credit limits, you will see your score gradually improve.

  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

Ready for a quick loan?

Apply for £100 - £5,000 in 60 Seconds
  • We have a 95%
    Acceptance Rate
  • 60 Second
    Application
  • No Fees,
    Ever!
  • All Credit Scores
    Welcome

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