{"id":102492,"date":"2018-04-23T15:33:29","date_gmt":"2018-04-23T14:33:29","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=102492"},"modified":"2025-07-11T18:04:32","modified_gmt":"2025-07-11T17:04:32","slug":"bad-credit-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans","title":{"rendered":"Bad credit personal loans"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\">Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.<\/p><p>Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><h3 id=\"learn\">Can I get a loan with bad credit?<\/h3><p>Yes, you may be still eligible for a personal loan even with a poor or low credit score. However, you may find your options are more limited in terms of the lenders you can choose, as well as the size of your loan amount and the rate you receive. <\/p><p>Depending on your situation, it may be a better idea to try and <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">improve your credit score<\/a> before applying for a loan. If you need a loan in the near future, there are ways to improve your chances of getting a loan with bad credit. <\/p><h3>How to get approved for a bad credit personal loan<\/h3><p>Unfortunately, there is no universal secret to getting approved for a loan if you have bad credit. However, there are a few things you can do to improve your chances:<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/uk\/credit-score\">Check your credit score<\/a> to see where you stand.<\/strong><br>By checking your credit score you get an idea of your credit position and where you fall in the credit-active population.<\/li><li><strong>Don\u2019t make too many credit applications at once.<\/strong><br>This is a red flag to lenders and may hinder your chances at future credit approvals. If you have done this, try and wait to make any future applications.<\/li><li><strong>Check for \u201csoft searching\u201d facilities.<\/strong> Many lenders are now able to carry out a \u201csoft search\u201d Twhere they tell you your likelihood of being approved and give a personalised quote, without affecting your credit score, and sometimes without leaving a \u201cfootprint\u201d that would be visible to potential lenders.<\/li><\/ul><h3>What are your personal loan options with bad credit?<\/h3><p>There are various credit options for people with a bad credit rating. Here are some of the main ones:<\/p><ul class=\"has-margin-bottom\"><li><strong>Specialist bad credit loans.<\/strong> Some lenders such as those compared above have made a niche for themselves by catering specifically to those with less than perfect credit histories. These loans typically cost more, but eligibility is based more on affordability that credit score.<\/li><li><strong>Secured personal loans. <\/strong>If you\u2019re able to provide collateral, such as a car, equity in your home or another high-value asset, a lender may be more willing to overlook a few negative marks on your credit file.<\/li><li><strong>Guarantor personal loans.<\/strong> Do you have a partner, close friend or relative who is willing to guarantee the loan for you? You may be able to qualify for a <a href=\"https:\/\/www.finder.com\/uk\/guarantor-personal-loans\">guarantor personal loan<\/a>. There are certain bad credit lenders who offer tailored products for borrowers that you may want to consider.<\/li><li><strong>Payday\/short term loans.<\/strong> An absolute last resort, when you\u2019re only looking to borrow a small amount to cover an unexpected shortfall. <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\">Short-term loan<\/a> providers are less focused on your credit history and more focused on your current financial position and ability to repay the loan. The rates are now capped by the FCA but are still dreadful.<\/li><li><strong>Credit builder credit cards.<\/strong> With a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">credit builder credit card<\/a>, you start with a low credit limit, but quickly get opportunities for this to be reviewed. This type of card is designed as an interim solution, to help borrowers build or improve their credit record before moving on to different credit products.<\/li><li><strong>Alternative specialist lenders.<\/strong> There are a few innovative lenders such as <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Drafty%22%2C%22site%22%3A%22UKFSL%22%2C%22offer_id%22%3A%2219876%22%2C%22niche_code%22%3A%22UKFSL%22%2C%22product_id%22%3A%2256abf60b-ee38-4a1d-91d4-8075fa1901e3%22%2C%22product_name%22%3A%22Drafty%2BLine%2Bof%2BCredit%22%2C%22provider_id%22%3A%22d235693b-aa37-421e-aefc-4e17d137ae66%22%2C%22provider_name%22%3A%22Drafty%22%2C%22post_id%22%3A%22102492%22%2C%22post_path%22%3A%22personal-loans%252Fbad-credit-loans%22%2C%22post_country%22%3A%22uk%22%7D\">Drafty<\/a>, that offer alternative takes on short term loans, to help people avoid expensive unauthorised overdraft fees.<\/li><\/ul><p>Don\u2019t forget: talking to lenders is also a great idea \u2013 you may be surprised at how flexible they can be. Ultimately, lenders do want to lend money \u2013 they have to do so responsibly, but it\u2019s in their interests to work with borrowers to find a sustainable credit solution.<\/p><style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<a rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2256abf60b-ee38-4a1d-91d4-8075fa1901e3%22%2C%22product_name%22%3A%22Drafty%2BLine%2Bof%2BCredit%22%2C%22offer_id%22%3A%2219876%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22102492%22%2C%22post_path%22%3A%22personal-loans%252Fbad-credit-loans%22%2C%22post_country%22%3A%22uk%22%7D\">\r\n\r\n  \r\n<img decoding=\"async\" alt=\"Drafty Line of Credit\" src=\"https:\/\/www.finder.com\/niche-builder\/6082df14ef2af.png\" width=\"160\" height=\"100\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6082df14ef2af.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6082df14ef2af.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6082df14ef2af.png?fit=480 480w\" sizes=\"(max-width: 480px) 100vw, 480px\" loading=\"lazy\">\r\n\r\n  \r\n<\/a>\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nGet up to \u00a33,000 when you need it with Drafty\r\n\r\n<\/h3>\r\n      \r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>Get ongoing access to a flexible line of credit<\/li><li>No late fees, no early repayment fees<\/li><li>Find out if you\u2019ll be approved without affecting your credit score<\/li>\r\n\r\n<\/ul>\r\n\r\n<p>Representative Example: Assumed credit limit: \u00a31200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).<\/p>\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKFSL has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2256abf60b-ee38-4a1d-91d4-8075fa1901e3%22%2C%22product_name%22%3A%22Drafty%2BLine%2Bof%2BCredit%22%2C%22offer_id%22%3A%2219876%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22102492%22%2C%22post_path%22%3A%22personal-loans%252Fbad-credit-loans%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nGo to site\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article><h3>Personal loans with no credit history<\/h3><p>Lenders are also wary of lending to people without much in the way of credit history. This might include 18-year olds or newly-arrived migrants. If you\u2019re in this situation there are a few things you could do to help your case:<\/p><ul><li><strong>Register on the electoral roll.<\/strong><br>Visit your local council\u2019s website to register.<\/li><li><strong>Open a UK current account.<\/strong><br>Showing lenders that you can keep up direct debits and utility payments will help show that you are likely to keep up repayments on a loan. Making regular deposits into savings could bolster your case further.<\/li><li><strong>Start small.<\/strong> By borrowing just a small amount, for example using a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">credit builder credit card<\/a>, you can demonstrate that you pay back loans responsibly.<\/li><\/ul><h3>What about a broker?<\/h3><p>As long as you bear in mind that it\u2019s unlikely to check the whole market, but instead a subsection of lenders with whom it has an arrangement, then a broker can take the strain out of finding a competitive personal loan deal. Brokers find the best rate available to you from their panel of lenders, taking into account your individual circumstances. Normally this service is free, because the broker will earn a referral fee from the lender.<\/p><p>Some brokers or \u201cmatching services\u201d run soft searches with a range of lenders in seconds, meaning that without any impact on your credit score you\u2019ll be able to get realistic rate quotes for loans you\u2019re likely to be approved for. This can be a smart way to avoid disappointment, protect your credit score and focus on lenders likely to approve you.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">What is APR?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            If you\u2019re comparing any credit-based products, it won\u2019t be long before you\u2019ll come across the Annual Percentage Rate (APR). <p>This figure is designed to provide an annual summary of the cost of a loan and takes into account both interest and any mandatory charges to be paid (for example an arrangement fee) over the duration of a loan.<\/p><p>All lenders must calculate the APR of their products in the same way, and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison.<\/p><p>If you\u2019re looking at bad credit personal loans, expect higher APRs than those you\u2019ll see comparing standard products. This means borrowing will be more expensive but also that it\u2019s easier to be approved if you don\u2019t have a great credit score.<\/p><p>Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out the loan \u2013 the other 49% could pay more. That\u2019s why it\u2019s often referred to as the <strong>representative<\/strong> APR. Depending on your circumstances, you may be offered a better or a worse rate than the advertised APR.\n        <\/p><\/div>\n    <\/div>\n<\/div>\n<h3>Bottom line<\/h3><p>Having a <a href=\"https:\/\/www.finder.com\/uk\/bad-credit\">bad credit score<\/a> may make it difficult or more expensive to get a personal loan. If you have poor credit, you could consider getting a guarantor loan but it\u2019s important to keep in mind that the guarantor will be responsible for any missing repayments. If you\u2019re looking to improve your credit score, you can read our <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">guide<\/a> for some helpful tips. <\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I get a loan if either myself or the guarantor live in a council house?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, lenders tend to focus on your affordability and credit history when considering your loan application.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Why do the funds get transferred to the guarantor instead of the borrower?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This is to avoid fraud and to guarantee the guarantor named in the paperwork really is the guarantor.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is the guarantor's home at risk if the borrower defaults on payments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This would only be the case with a homeowner guarantor loan. A non-homeowner or tenant guarantor loan is not a secured loan, so it\u2019s not tied to your home as collateral. If the borrower defaults, the guarantor will be called upon to continue paying off the loan.<\/p><p>As with most unsecured loans, most lenders could request a county court judgement (CCJ) or a \u201ccharging order\u201d on a homeowner\u2019s property if both the borrower and guarantor default on the loan. The charging order means the lender could obtain their outstanding debt from the sale or remortgaging of the guarantor\u2019s home. However, lenders rarely resort to this action and will usually work with the borrower and guarantor to devise an alternative method of paying off the loan.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Who can be a guarantor?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><a href=\"https:\/\/www.finder.com\/uk\/guarantor-personal-loans\/who-can-be-a-guarantor-for-a-loan\">Your guarantor must be<\/a> between 21 and 75, be financially independent from the borrower and have an excellent credit rating.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Got a patchy credit record? All&#8217;s not lost \u2013 there are lenders who will consider you for a personal loan. Find out which ones, learn how to compare them and read about alternative options.<\/p>\n","protected":false},"author":195,"featured_media":102496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-102492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare loans for bad credit | Finder UK<\/title>\n<meta name=\"description\" content=\"If you find yourself with bad credit, don&#039;t stress out \u2013 there are still lenders who will give you a bad credit personal loan. Compare rates, eligibility requirements and alternatives and apply online.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bad-credit-loans\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bad credit personal loans\" \/>\n<meta property=\"og:description\" content=\"If you find yourself with bad credit, don&#039;t stress out \u2013 there are still lenders who will give you a bad credit personal loan. 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