Bad credit loans

£250 – £2,000 Unsecured personal loans

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What are bad credit loans?

Bad credit loans are loans that are still available to you despite having a less than perfect credit score. These loans typically have higher interest rates compared to high street banks but can help you when others are not prepared to.

Your credit score can be affected by a variety of factors, including past financial difficulties, missed payments or under payments. Unfortunately, such negative financial information can remain on your credit history for several years, and many lenders are not prepared to lend to people with poor credit history.

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Is a bad credit loan safe?

Yes, as long as you stick to two golden rules. Firstly, you need to be confident that you can afford the repayments on a bad credit loan. If you take out a loan that you can’t afford to repay, this will get you into further financial difficulties.

Secondly, you need to make sure that your lender is authorised and regulated by the Financial Conduct Authority, particularly if it is a direct lender and you are dealing only with them.

What are the advantages of bad credit loans?

A bad credit loan may help you to sort out your finances and get things back on track again. Bad credit loans are usually available online and you can typically expect payment same day.

As long as the loan isn’t for gambling or anything illegal, you can spend it on anything you like. 

For example, a bad credit loan may help you if you are faced with a sudden demand on your finances such as an unexpected bill, car repairs, appliance breakdown, or a family emergency. A bad credit loan could help you when other mainstream lenders wont.

So in any kind of difficult financial situation a bad credit loan could be the answer.

What is the eligibility for Loans 2 Go bad credit loans?

There are four main eligibility criteria for our bad credit loans. You need to be:

As a responsible lender, we will check your financial situation to ensure that a bad credit loan is affordable for you. We will still consider lending to you despite your poor credit history or even a previous CCJ.

And if you manage your loan well with us, you should gradually see your poor credit score start to improve and then potentially gain access to our lower interest rate loans whenever you need us again in the future.

Does Loans 2 Go offer bad credit loans?

Yes. We offer loans between £250 and £2,000. The actual amount you can borrow depends on how affordable the loan repayments would be for you. As a responsible lender, we want to ensure that the loan would not get you into further financial difficulties.

The repayment period for a bad credit loan is either 18 months or 24 months depending on the loan amount. You can make repayments on a weekly, fortnightly or monthly basis, either by Continuous Payment Authority (CPA) from your debit card or via our online payment portal.

There is no charge for setting up your bad credit loans, or if you decide to repay your loan early. You can settle our loans at any point without penalty.

What is the application process for a bad credit loan?

Loans 2 Go is a direct lender which means that you only need to deal with us for your loan application. 

To apply for your bad credit loan all you need to do is:

  1. Click Apply Now;
  2. Select how much you want to borrow;
  3. Enter all the information we request about you and submit it to us.

Our aim is to give you an instant decision. If your loan is approved, we will get the money into your account the same or next working day, ready for you to start sorting out your finances.

Personal loans | 18 or 24 months

Life is full of ups and downs, and sometimes things just don’t go to plan.

£250 - £2,000
personal loans

Over 2,000,0000
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Our 18 month loans are £250 – £1,000. However you may be able to borrow up to £2,000 (24 month loan). As long as it’s affordable for you, we’ve got you covered. 

We do not charge any set up fees when you take a personal loan with us. 

We are very flexible and provide repayment options of weekly, fortnightly, or monthly.