No upfront fees to help you find a loan*

Bad Credit Loans: 3 Reasons to choose Easy Loans Company

1. No upfront fees when you apply

2. Specialist loans designed for those with bad credit

3. Being approved for a loan and repaying on time may help you to improve your credit score

You are only a few steps away from being able to enjoy all these benefits of loans specifically designed for people with bad credit. In order to apply fill out the easy online form below. Once we receive your application, we will look at your circumstances in terms of affordability to help find you the best possible solution to get you the finance that you need.

You could be approved for a loan, even if you have bad credit


A major frustration when you find out that you have 'bad credit' is the fact that you will be limited in terms of lenders that are likely to approve you for a loan at a low interest rate. This is because your bad credit rating implies that you are a risk to lend to, lenders have to safe guard themselves in the event that you fail to repay the amount borrowed. Because of this they often approve loans at a higher interest rate, meaning that in the end you pay back significantly more that you originally borrowed. Being approved for a loan when you have bad credit and paying it back on time, can help to improve your credit rating. If your credit rating improves this can help in opening the door to more conventional loan deals, at lower interest rates in the future.

Lenders are aware that people with bad credit are searching for loans, and that those affected by a bad credit rating due to past circumstances may now be in a position to afford the loan and repay on time.

When it comes to loans available for someone with bad credit the APR varies from lender to lender. The APR is a signal for how much you repay in relation to the amount you borrow over time, usually the higher the APR the more expensive the finance is to repay. This does not mean that it is either the right or wrong thing for you but you should always consider the total overall cost and whether this is affordable for you.


We'll help you find the best bad credit loans considering your personal circumstances. We apply no upfront fees and a no obligation quote.

Complete our simple application form to find the best bad credit loans for you

* denotes a required field.

1About the loan


2About you


3Your contact details

I accept the terms and conditions

Why Apply For A Bad Credit Loan From Easy Loans Company?

We pride ourselves on being able to cater for all types of people in need of finance, including those who have bad credit. We look at your current circumstances, things like your income and monthly outgoings to determine how much you can afford to borrow. In addition, we won’t charge you any upfront fees and we can provide you with a no obligation quote for a loan.


What Does It Mean If You Have ‘Bad Credit’

Bad credit is a term used to describe you if you have failed to repay loans or credit cards in the past.  Nearly every bit of financial history you have when borrowing money is stored on your credit file, giving you an overall credit score  This score is what lenders refer to in order to determine wither or not you are suitable to lend money to.  Some people also have a low score if they have had little or no borrowing history.
More often than not people who are considered to have a ‘good credit score’ are people who have:

A good history of borrowing money and making repayments on time
No history of bankruptcy
Registered as living at an address
Employed with a steady income
As a guide, if the above doesn’t sound like you then you may find you run into difficulty when trying to borrow conventional loans. For more information on your credit file, it is recommended to check the credit reference agency websites (Experian, Equifax or Call Credit) where you can access your credit file to get an idea of your credit score so you can determine what type of loan you are more likely to be approved for.

The following steps will help demonstrate how you can apply for a loan.

1. Use the online application form above to fill in your details. It’s really important that you provide us with the most accurate information as failing to do so could harm your application.
2. Expect a call soon after. Very soon after completing the online application form, you should expect to hear from one of our advisers. They will cross check the information on your application form to determine which lenders’ criteria you match. If approved you will be provided with a quote, however this call has absolutely no obligation and you shouldn’t feel like you need to make a decision straight away.
3. Get the finance you need. After your no obligation phone call, you will have a much better understanding on whether you are able to get the finance you need.
Being able to rebuild your credit score if you currently have bad credit is absolutely imperative if you want to secure any kind of finance in the future. This may include loans for a car, mortgages for a house and possibly even some credit cards. Everyone has to start somewhere and if the offer of finance is right for you then a bad credit loan could be the first step to proving you are able to maintain repayments for the future.


Apply today

*Please think carefully before securing loans and other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. **All rates vary subject to loan amount, loan type and status. Repaying your debt over a longer period of time may increase the amount you pay. WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

Easy Loans Company act as a broker processing the information that you provide to us and pass this on to our panel of trusted third party lenders and brokers. We do not charge a borrowers fee for the use of our brokerage services, however we do receive commission fees from lenders (or other brokers) when borrowers sign into a credit agreement following an introduction through the Easy Loans Company website. In the case of Secured Loans the fee received may be up to 7%. Telephone calls from UK land-lines are usually free, however charges vary from mobile phones so please check with your network provider. Calls may be recorded for training and monitoring purposes. As operator of this website, Easy Loans Company is not an agent or representative of consumers or any lenders and therefore does not endorse the services offered by specific lenders. For further information on how we handle your data please see our privacy policy and for further details about Easy Loans Company please see our terms and conditions. For more information on how we handle your data see our Privacy Policy [ *For further details about Easy Loans Company see our Terms and Conditions

Nationwide Direct Financial Limited trading as Easy Loans company is a licensed credit brokerage business regulated and authorised by the Financial Conduct Authority, which effects introductions between borrowers and lenders as well as other brokers, for the purposes of entering into loan agreements. Company Reg No: 05999918. Registered Office: 84 Princess Street, Manchester House, Manchester M1 6NG. Data Protection Reg No: Z9808421. FCA Reg No: 596464. © Nationwide Direct Financial Ltd 2012. All Rights Reserved

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Unsecured Loans

Representative 35%APR
(many people may receive a lower rate than this)


Secured Loans (Homeowner)

Typical 13.89%APR Variable
(many people may receive a lower rate than this)
Rates from just 7.9% to 22.0% APR


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