Apply Now








Better Financial Standing with Bad Credit Loans

Bumpy credit ratings are one of the major constraints in financial growth. Timely recovery with a financial solution can bring back the lost prosperity. Loanpalace offers personalised bad credit loans on rational rates and affordable repayment plans with no guarantor and on benefits like no collateral. This inspires the timely payments of monthly instalments and the applicant gets an optimistic boost in credit scores.

With minimum paperless formalities, we give guaranteed approval on loans and hassle-free procedures ensure the timely disbursement of amount.

bad credit


Do you fail to keep your credit ratings up? Or Are you looking for quick and relevant borrowing option?

Bad credit loans are the type of personal loans that specifically provided for the individuals, who have poor history in maintaining their credit. Multiple reasons can be responsible for that but it is more or less a temporary problem. In recent years, these loans are in huge demand but largely in the direct lending marketplace instead of mainstream lending. The primary reason is that direct lenders in the UK are softer to their approach than the traditional lending institution.

As recognised among the most reliable bad credit loans direct lenders, Loanpalace offers the bespoke loan deals that include features such as:


Several people have such questions in their mind. It is obvious because most of the individuals get confused whether to approach direct lenders or they should approach mainstream lending firms. In fact, such debate has arrived, as the UK marketplace has the presence of reliable direct lenders like us. Of course, we are not praising ourselves but we definitely feel proud what we have done so far.

We have given an ideal alternative to traditional lending where loan deals are provided on the blueprint of unbiased lending. At here, you have the answer of your query, whether you can get bad credit loans on guaranteed approval from direct lenders or not? We say only ‘YES’.

Loans for Bad Credit at Loanpalace Mainstream Lending Policies
  • Flexible approach on all loan deals
  • Quick loan process of a few minutes
  • Competitive interest rates despite poor credit
  • Mostly fixed lending terms
  • Process may take days or weeks
  • High interest rates especially for low credit


Very easy indeed! We belong to the new-age FinTech lending market of the UK. The online process has made easier for someone, who wants quick funding to get rid of urgently occurred financial issues. Minimum paperwork and maximum benefits are the features that borrowers get from us in terms of loan process. As far as steps are concerned, they are simple and straightforward such as:

That’s it...We quickly go through your loan application and the prescribed details, which hardly a few minutes. Once approved, you will get desired funds within 24 hours on guaranteed basis.

Before indulging into this simple application process, you have to fulfil the qualify conditions. Do not worry because they are also simple as the application process. These include:


We have almost 98% loan approval rate, so do not worry about the approval. More interestingly or unlike other direct lenders, we provide you a variety of poor credit loans to bring multiple benefits to your finances. These are as given below:

Loans where no guarantor is required:
We have made a lot easier for you to get almost unconditional approval on your loan application. The difficulty of finding out the guarantor especially when you have low credit score is in our understanding. In fact, we take this seriously and ready to offer bad credit loans on guaranteed approval with no guarantor required. You do not need to approach anyone to take your guarantee. Apply for loans and take responsibility of repayment on your own.
Note: These no guarantor loans are only for the small amount to borrow and perfect to cover the expenses occurred due to financial emergency.

Loans with the facility of ‘no credit check’:
Problems will only increase if you have less-than-perfect credit score. But with us, you can easily reduce them and enjoy getting loan benefits without any search footprint. It has made possible with our ‘no credit check’ facility. This policy is the best for both the borrowers with no credit score and those who have poor credit ratings. In fact, we have been recognised as the premier name especially when someone is looking for bad credit loans with no guarantor, no credit check from direct lender in the UK.
Note: All the borrowers have to remember that these sorts of exemptions are only allowed for those borrowers, who are the employed persons and getting sufficient income to repay the amount on time and can improve their credit scores.

loanpalace has the special place in the UK loan market and the bad credit loans are the biggest reasons to it. You just apply for these loans and experience the fascination of modern-day lending. Apply now...

Bad Credit Loan FAQs

Can you borrow money with bad credit? Can you borrow money with bad credit?

It is true that most of the lenders prefer credit of the borrower before approving the loan request. However, this doesn’t mean that there is no possibility to get a loan. There are lenders in the market who offers loans even if you have a bad credit score. The lender will go through other financial components such as your income status, credit utilisation ratio, employment history and others to determine your credit worthiness.

Can I get an emergency loan with bad credit? Can I get an emergency loan with bad credit?

Yes, you can get an emergency loan despite having the mark of a bad credit score. You just have to fill an online application form with your authentic details. The direct lender can provide flexible interest rates if you have a good earning source. Lastly, with an easy repayment mode, the direct lender has also reduced the stress of repayment.

How can I get a one day loan with bad credit?How can I get a one day loan with bad credit?

You can apply for payday loans. The direct lender can provide you this borrowing for your one day need. It is considered as the short term borrowing which comes with an auto deduction feature on the day of your salary. Do not worries for the low credit score, it will not create any obstacle for you.

What are the best personal loans for bad credit?What are the best personal loans for bad credit?

There are two types of the best personal loans for a bad credit borrower, one is a bad credit loan and second one is a debt consolidation loan. You can get these two loans with flexible features and with an easy repayment mode.

What credit score is needed for a personal loan?What credit score is needed for a personal loan?

There is no number which you have to specifically follow. Even if you have a good credit score or a bad credit score, you can anytime get the loan approved with an instant disbursal.

What are the best loans for bad credit?What are the best loans for bad credit?

You can apply to any unsecured loan policy in a bad credit score. Analyse your situation and get the best loan policy approved to cover your situation.

Can I get a loan with bad credit and no guarantor?Can I get a loan with bad credit and no guarantor?

Yes, you can get a loan with bad credit without guarantor. Since these loans come with small amount of money, the lender does not ask for a guarantor and collateral. However, they can charge a bit higher interest rates than a standard personal loan because of high default risk. Bad credit loans with no guarantor come with a short repayment period. They usually require you to repay the whole money in lump sum. Therefore, you should be careful with your credit needs. Try to avoid borrowing money more than your affordability. It is usually recommended that you should analyse your repayment capacity before applying for these loans.

Can I get a loan with bad credit? Can I get a loan with bad credit?

Yes, you can get a loan with bad credit score, but at the same time, you should have a good income source. Lenders are ready not to check your credit score based on the capability of your monthly income. If it is strong enough, then you may not need a guarantor too.

Who offers loans for bad credit?Who offers loans for bad credit?

Both the traditional lenders and online lenders are offering loans for bad credit people. However, when it comes to the speed and flexibility, then the latter option of direct lenders is relatively better. They can offer loan deals on competitive interest rates and acceptable repayment terms. Some lenders also do not charge any upfront fees from the borrowers.