Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.
Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.
| Name | Representative APR | Loan amounts | ||
|---|---|---|---|---|
 |
Likely Loans Personal Loan | 59.9% | £500.00 to £5,000.00 | Check eligibility |
 |
UK Credit Limited Unsecured Homeowner Loan | 26.9% | £3,000.00 to £20,000.00 | More info |
 |
Bamboo Personal Loan | 69.9% | £2,000.00 to £8,000.00 | Check eligibility |
 |
Trusttwo Trusttwo (Homeowner Guarantor) Personal Loan | 36.9% | £1,000.00 to £15,000.00 | More info |
 |
Trusttwo Trusttwo (Tenant Guarantor) Personal Loan | 36.9% | £1,000.00 to £15,000.00 | More info |
 |
Amigo Guarantor Personal Loan | 49.9% | £1,000.00 to £10,000.00 | More info |
 |
Savvy Personal Loan | 49.9% | £300 to £1,200 | More info |
 |
Everyday Loans Personal Loan | 99.9% | £1,000.00 to £15,000.00 | Check eligibility |
For those who feel let down by mainstream lenders, either because they don’t meet eligibility criteria or because their credit history is less than perfect, specialist lenders including Likely Loans (named to suggest a better likelihood of approval) can provide invaluable access to finance.
You don’t have to be a homeowner or have perfect credit to get approved for its loans, and soft-searching processes mean that you can find out whether or not you’re eligible without affecting your credit record.
With an emphasis on building or rebuilding a positive credit history, specialist lenders typically assess applicants on how affordable a loan would be rather than on their credit rating.
The downside, however, is that due to the higher risk these loans represent to the lender, realistically, interest rates are likely to be significantly higher. To reduce risk levels, some lenders will ask for a guarantor – that’s a friend or relative of the borrower (who typically needs to have good credit) who promises to step in if the borrower fails to make a repayment on time.
There are a few innovative new lenders such as Drafty, that offer alternative takes on short term borrowing for less-than-perfect credit scores. Drafty was primarily designed to help people avoid expensive unauthorised overdraft fees.
Representative example: Borrow £1,200 for 12 months at a rate of 69.4% p.a. (variable). Representative 96.2% APR (variable).
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