Bad credit, looking for a loan? We are a direct UK lender not a broker, we never charge fees, we consider CCJs and we help thousands of people just like you every week. Complete our 5-minute application and get an instant decision. We fund in 15 minutes - no guarantor required.

Representative example: if you borrow £550 over 18 months at a flat rate of 207.6% per annum (fixed) with a representative 1013.3% APR you will make 18 monthly payments of £125.71, repaying £2,262.78 in total

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Over how long?

Weekly repayments:
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£550 over 18 months at a flat rate of 207.6% per annum (fixed) with a representative 1013.3% APR


18 monthly payments of £125.71, repaying £2,262.78 in total

Standard personal loans term is 18 months. The interest we charge is directly related to the length of time you have your loan.

Max APR 1276.1% (based on £550 over 18 months). All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Over 21s only, T&Cs apply.

Online personal loans from Loans 2 Go

Apply now for an online personal loan direct from Loans 2 Go. It takes just 5 minutes on your phone, tablet or PC.

You’ll get an instant decision about your application. We are a direct lender so we can help quicker than any broker, meaning if you are successful you will get the money in your account within 15 minutes of approval,* with a no-fee guarantee.

Our loans run up to 24 months and you can repay in whichever way best suits your needs – weekly, fortnightly or monthly instalments available. Not only that, but you can repay your loan early at any time with no early repayment fee.

We will assess your application individually on its merits to make sure the loan is affordable for you. Even with CCJs or poor credit history in the past, we aim to help.

Why choose us?
There are many reasons why it makes sense to get an online loan from Loans 2 Go:

  • Bad credit and CCJs considered
  • No set up fees or charges ever
  • No early repayment fees
  • Direct UK lender, not a broker
  • No guarantor required
  • 5 minute application form with instant decision
  • 15 minute funding – get your money fast

Apply online now, tell us what you need with our simple slider and get an instant decision; it couldn’t be easier!

  • Be aged 21 or over
  • Be in permanent employment
  • Hold a UK bank account and debit card

*approved loans are funded hourly during business hours 8am – 8pm Mon-Fri, Sat 8am-4pm