Access 30+ direct lenders. Bad credit considered
Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)
Why choose Loans 365 for bad credit direct lenders?
Don't apply to each direct lender individually. One search reaches our whole panel at once.
| ✓ Loans 365 | Other Brokers | |
|---|---|---|
| Free to use | ✓ Always free | May charge fees |
| Credit score impact | ✓ No impact | Hard searches possible |
| Lender panel | ✓ 30+ FCA-regulated | Limited panels |
| Decision speed | ✓ Instant decision | Hours or days |
| Obligation | ✓ No obligation | May pressure you |
Three simple steps to your loan
Three quick steps between you and a loan option that fits your situation.
Tell us what you need
Choose your loan amount between £100 and £5,000 and give us your email. It takes less than two minutes and won't affect your credit score.
We search our panel
We match your details against our panel of 30+ FCA-regulated lenders to find loan options that suit your circumstances and borrowing needs.
Get your money
See your matched offer, check the full terms including APR and repayment schedule, and decide whether to proceed. No pressure, no obligation. Same day payout possible.*
30+ direct lenders, one search
We're a broker, not a direct lender. We connect you with direct lenders from our FCA-regulated panel who consider bad credit.
30+ direct lenders
One application reaches direct lenders across our entire panel.
Bad credit considered
Our lenders consider all credit histories, not just perfect ones.
Instant decision
Find out if you've been matched in minutes.
Free to check
Comparing your options costs nothing and doesn't affect your credit score.
FCA-regulated panel
Every lender on our panel is authorised and regulated by the FCA.
Apply in 2 minutes
Fast, simple and mobile-friendly. No paperwork.
What you should know before applying
We believe in transparency. Here's everything you need to make an informed decision.
We're a broker, not a direct lender
Loans 365 is a credit broker (FCA FRN: 1036139). We connect you with direct lenders from our panel. We don't make lending decisions or set interest rates.
Bad credit is considered, not guaranteed
Our panel includes direct lenders who consider bad credit histories, but approval is never guaranteed. Each lender makes its own decision.
Missed payments affect your credit file
If you fail to make repayments on time, this will be recorded on your credit file and may affect your ability to obtain credit in the future. Always ensure you can meet the repayment schedule before accepting a loan.
Additional charges may apply
Lenders may charge additional fees for late or missed payments. These vary by lender. Always check the full terms and conditions before accepting any loan offer.
Free debt advice is available
If you're struggling with debt, free, independent help is available:
All credit histories considered
Our panel of lenders considers applications from people across the credit spectrum. Being declined elsewhere doesn't mean we can't help. We'll always search for an option that fits.
Ready to access 30+ direct lenders?
One search reaches lenders who consider bad credit. Free, no obligation.
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