Can I get a loan with bad credit?

This very much depends on your individual circumstances. When it comes to personal loans, lenders will look at your credit score to decide whether to offer you a loan and determine your interest rate. Generally if you have bad credit, you will be charged a higher interest rate.

If a personal loan isn’t an option for you, you may still be able to consider:

Although your credit history does play a big part in your eligibility for finance, there are other factors that a lender will consider, such as your income, expenses, the size of the loan you are looking for, how much debt you already have and your homeowner status.

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

36.8% APR Representative (fixed)

Representative example: 36.8% APR Representative based on a loan of £12,500 repayable over 48 months at an interest rate of 36.8% pa (fixed). Monthly repayment of £500.83. Total amount repayable is £24,039.67.