Personal loans for bad credit. All histories 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 personal loans with bad credit?
Need a personal loan but worried about your credit? One search reaches 30+ lenders who consider all histories.
| ✓ 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.*
Built around your circumstances
Bad credit is common and nothing to be embarrassed about. Our panel includes lenders who specialise in non-perfect credit.
All credit histories welcome
Bad credit isn't an automatic barrier. Our lenders consider your circumstances.
Up to £5,000
Personal loans from £100 to £5,000 to suit your needs.
30+ FCA lenders
Reach lenders who consider bad credit with one application.
Instant decision
Find out if you've been matched in minutes.
Free to check
No cost and no impact on your credit score to see your options.
Apply in 2 minutes
Fast, simple and mobile-friendly.
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 lender
Loans 365 is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.
All histories considered, not guaranteed
Our lenders consider all credit histories, but each lender makes its own decision. Approval is never guaranteed.
Checking has no impact
Getting a quote and checking your options does not affect your credit score.
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.
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 find your bad credit personal loan?
Compare 30+ lenders who consider all credit histories. Free to check, no impact.
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