Loans like Savvy offers fast, unsecured loans over 12-24 months to people with less-than-perfect credit histories. Use our loan finder to find similar lenders that can offer you a loan.

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, companies like Savvy can provide access to loans ranging from £300 to £1200 (albeit at relatively high interest rates). You don’t have to be a homeowner or have perfect credit to get approved for its loans, but as a responsible lender it will run affordability checks including a credit search before approving a loan application.

It’s important to compare different providers before taking out a loan. While Savvy may suit borrowers with bad credit, if you have good credit it may turn out to be more expensive than alternative providers. If you have bad credit but could find a guarantor (that’s a friend or relative who promises to pay off the loan if you don’t) with good credit, then once again, you may be able to access cheaper loans.

Discover sites like Savvy

NameRepresentative APRLoan amounts
Savvy Personal Loan Savvy Personal Loan £300 to £1,200
UK Credit Limited Unsecured Homeowner Loan UK Credit Limited Unsecured Homeowner Loan 26.9% £3,000.00 to £20,000.00 More info
Bamboo Personal Loan Bamboo Personal Loan 69.9% £2,000.00 to £8,000.00 Check eligibility
Trusttwo Trusttwo (Homeowner Guarantor) Personal Loan Trusttwo Trusttwo (Homeowner Guarantor) Personal Loan 36.9% £1,000.00 to £15,000.00 More info
Trusttwo Trusttwo (Tenant Guarantor) Personal Loan Trusttwo Trusttwo (Tenant Guarantor) Personal Loan 36.9% £1,000.00 to £15,000.00 More info
Amigo Guarantor Personal Loan Amigo Guarantor Personal Loan 49.9% £1,000.00 to £10,000.00 More info
Likely Loans Personal Loan Likely Loans Personal Loan 59.9% £500.00 to £5,000.00 Check eligibility
Everyday Loans Personal Loan Everyday Loans Personal Loan 99.9% £1,000.00 to £15,000.00 Check eligibility

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

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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