Warning: Fraudsters are using our brand to target individuals. Loans 2 Go will never ask for upfront fees. If affected, please contact us & learn more here.

Poor Credit

Bad Credit? Cash loans still an option….

Most of us have times when our finances run into difficulties. Life is complicated and – particularly since Covid – our finances can often take a hit through no fault of our own. 

If you are in this situation it feels as if no matter how hard you try, you just can’t find a way out of the financial mess you are in. What’s worse is that no-one seems able or willing to help.

If you are stuck in a seemingly unending vicious circle of debt, you just need a break to start getting your finances sorted. If you could just have one affordable loan either to pay those urgent bills, or perhaps consolidate all your existing debts, it would enable you to make a fresh start.

But if you have poor credit, no-one will lend to you, right?


Even with bad credit, cash loans are still an option. Loans 2 Go may be able to help you.

Would Loans 2 Go lend to me even if I have poor credit?

The honest answer to this depends very much on your individual circumstances. 

So here’s what you need to know:

  • We do check whether the loan is affordable for you

We offer loans from £250 to £2,000, but the amount you can borrow does depend on how affordable the repayments would be for you. 

This is not us being mean. We will do our best to help you but, as a responsible lender, we cannot lend to you if it is clear that you could not pay the loan repayments. This would only put you in an even more difficult situation financially.

  • You need to be confident you can repay your loan

As well as the checks that we do, when you apply for a loan with us you need to be confident yourself that you can repay us.

If we accept you for a loan the repayments will be spread over a period of 18 months/24 months, which makes them more manageable than they would be with a shorter repayment term.

  • A Loans 2 Go loan could help you to repair your poor credit score

If we accept you for a loan despite your poor credit score, it is essential that you manage the loan well. This means making all payments on time. If you are late with a payment, or miss it altogether, this can damage your poor credit score further.

But did you know that if you manage your loan well, this can boost your credit score

If you are accepted for a bad credit cash loan with Loans 2 Go, It will be visible on your credit report to other lenders, and they will be able to see that you are now able to handle credit responsibly. This makes you less of a lending risk, and you should gradually see your poor credit score improve.

We also have the following general lending criteria:

  • You must be at least 21 years old;
  • You should currently be in employment with a regular income;
  • You need to be resident in the UK – either as a homeowner, tenant or living with your parents;
  • You must be a UK bank account holder with a debit card.

How can I apply for a Loans 2 Go loan with poor credit?

Loans 2 Go is a direct lender which means that you deal directly with us and no third party is involved. 

You can apply for a loan to us directly online. All you need to do is:

  1. Use the drop down to select the value of loan you’d like and then click Apply Now
  2. Enter your details into the online application form and submit it to us;
  3. You will then receive an instant lending decision from us and, if approved, we will aim to get the money into your account the same day*.

So, even if you have bad credit but need a cash loan, Loans 2 Go may be able to help you. So do get in touch with us to see if a Loans 2 Go loan might be the way out of your current financial situation.