Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Low Credit Score Loans

Having a lower credit score can make it more difficult to successfully obtain a loan. More and more lenders are now offering loans specifically tailored to those with lower credit scores.

  • No fees
  • Easy application process
  • Instant Decision

Borrow £100 to £5000

Get your money by ::*

Loan Amount


Secure UK Site

Representative Example: Amount of credit £1200.00 for 18 months at £90.46 per month. Total amount repayable is £1628.28. Interest: £428.28. Interest rate 49.9% p.a. (variable).

Representative 49.9% APR

Rates from 39.9% APR to 1333% APR

Loan terms between 3 and 60 months



MediaBlanket Ltd is a Licensed Credit Broker We are not a lender

Loans For Those With Less Than Perfect Credit

Defining “less than perfect” credit

Your credit report demonstrates how you have dealt with past credit and how you handle your bills, allowing lenders to assess your level of risk when you apply for credit. So, “less than perfect credit” generally describes a record of past difficulties in keeping up with your credit agreements - any late repayments or no repayments will show on your credit report over time. Each lender will have their own appetite for risk so there may still be a lender out there for your situation.

Can I get a loan if I have a low credit score?

As you probably realise, your chances of being approved for a loan are much higher if you have a reasonable credit score, as lenders are likely to avoid taking larger risks. However, there are options designed for those who don’t have the most perfect credit history. These loans typically have higher interest rates and greater restrictions than other loans, simply because those applicants are considered to be a riskier proposition than those with higher credit scores.

What makes me eligible?

In the UK, to apply for a loan designed for those without the best credit, you must meet a number of criteria. First of all, you’ll need to be a UK resident who is over the age of 18. You must also not be bankrupt, have evidence of a steady income and have access to an active bank account. Remember that with any loan application you will undergo a credit and affordability check, so that the lender can determine whether repayment of the loan would put you into financial difficulties or you’re outside of their risk criteria or not.

Will I need to have a guarantor?

Not necessarily but it could increase your chances of acceptance. If you have less than perfect credit, having a guarantor could help build up your score. It would also give lenders more confidence that you will pay the money back.

What are my other options?

If you don’t have a great credit profile and are unable to use a guarantor, there are other options. You could use a free eligibility checker which will show you what loans you are likely to be offered, without harming your credit score. Also, before applying it would be a good idea to review your report so that you could look to make changes to put you in the best possible position for receiving credit. Using our tool Credit Knowledge* will give you access to your own, detailed credit report. Credit Knowledge will help guide you in making your report more attractive to lenders and indicate to you why you may have been refused credit in the past.

*Please see site for Terms & Conditions

Apply Now

Advantages of The Loan Tree

  • No Fees
  • Top UK Lenders
  • Get your money by ::*
  • Easy Application
  • Quick Transfers
  • Instant On Screen Decision
  • Poor Credit Options Available
  • All Credit Scores Considered
  • High Approval Rates

Apply Now

Car Loans

A car loan can be a suitable option for you if you want to own the car from day one, and not have to lease or arrange a Hire Purchase Agreement with the dealership or manufacturer.

More Info

Holiday Loans

Have you found the perfect holiday destination, but aren’t sure how you are going to pay for it all upfront? A holiday loan could be the best solution for you.

More Info

Wedding Loans

A wedding loan can help you break up the cost of your wedding by enabling you to combine all of your payments into one simple bill a month.

More Info

Apply with Confidence

By filling out our easy application form, we can help you with loan options!

Our free to use, secure UK website will provide you with an instant decision from our panel of lenders.

Get Loan Offers