Representative 49% APR
Representative example: £1000 borrowed for 12 Months. Total Amount repayable is £1357 in 12 Monthly instalments of £113.08. Interest charged is £357, interest rate 49.9% pa. Representative 49.9% APR. Rates from 45.3% to max 1575% APR - Minimum Repayment Period is 90 days (3 Months) from the date the loan is issued. Maximum Repayment Period is 60 Months. your APR will be based on your personal circumstances. Not all the lenders can offer a loan amount up to £10000 and not all the applicants will be approved for the requested loan amounts. The loan repayments may vary from lender to lender.

*Subject to the loan application being approved by the lending partners.

ClixCredits is a credit broker and not a direct lender.

About Us

What are Bad Credit Loans?

When faced with financial challenges, many individuals may need financial assistance. However, their credit history might not meet the requirements of traditional lenders. It is where online bad credit loans can play a role. These loans aim to provide a potential solution for those with less-than-perfect credit scores, offering an opportunity to apply for funds when most needed. At ClixCredits, we are committed to helping you explore options within our trusted network of lenders. Please note that approval isn't guaranteed and depends on the lenders' assessments.

At ClixCredits, we leverage our extensive network of lenders who specialize in providing loans for bad credit tailored to your eligibility and creditworthiness. By simply completing our user-friendly loan application form, our innovative loan matching service diligently identifies the ideal lender or broker capable of assisting you in securing a bad credit loan. Once approved, the loan amount is promptly deposited directly into your designated bank account, ensuring quick and convenient access to the funds. Remember, the availability, terms, and speed of deposit may vary by lender. Experience the potential convenience of exploring loan options with us.

How it Works

Simplified and designed just for your financial needs

Apply Online

Fill out our loan application by giving your full and proper details.

Easy access

If you are accepted, you will be redirected to the lender's page with an offer and you are under no obligation to take it.

Get funded

After verifying your documents, once approved, lenders will deposit your loan amount into your bank account.

Apply for a loan even with bad credit

Get a loan quote

Why Use ClixCredits

It's a no brainer

No fees, no obligation, no worries

Can I get a bad credit loan with no credit check?

There are no such loans as No Credit Check Loans. It is not in compliance with the Financial Conduct Authority (FCA) norms for lenders to provide loans for bad credit without conducting any credit checks. Credit check helps lenders to assess the creditworthiness of applicants and aids in evaluating the borrower's past credit history, including repayment behaviour, outstanding debts, and any defaults or missed payments. This information determines the associated risk with lending money and makes informed decisions about loan approvals.

Having bad credit history can make it more challenging to obtain a loan. However, some lenders focus on providing bad credit loans. While these lenders may still conduct credit checks, they may have more flexible eligibility criteria and be more willing to work with individuals with imperfect credit.

In all cases, it's crucial to consider your own ability to repay a loan before applying. If you're struggling with debt, consider seeking advice from a free and independent debt advice service.

Check your eligibility

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Can I apply for an emergency loan with bad credit?

Absolutely! You can apply for an emergency loan with bad credit history. Lenders understand that financial emergencies don't discriminate based on credit histories. Still, it's crucial to remember that the accessibility and conditions of emergency loans for those with bad credit scores can differ based on the lender and your unique financial circumstances.

Emergency loans typically have a fast processing speed, enabling those who borrow to access the necessary funds in a relatively brief period. While your credit score is a factor, lenders often consider other aspects as your income and employment history. The goal is to get out of a financial crunch, not dig a deeper hole. So, ensure you have a repayment plan in place.

Get an instant online decision

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How to find the best direct lender for bad credit loans?

The best direct lender for one individual may not necessarily be the ideal choice for another. We understand how getting turned down for a loan feels, and the next thing you hardly need is another refusal. We have designed a lender matching service for you to escape this and experience a quick decision from the lender, even with bad credit scores. Get instant quotes from multiple lenders with just a seamless loan application.

All you need to do is fill up our online loan application accordingly, to receive an instant decision from our panel of lenders. Accept the offer only if it seems satisfactory and fulfils your monetary needs. The best part is that you are under no obligation to abide by the proposed loan quote. Read the terms & conditions applied by the lender to ensure your affordability. Duly follow these steps to find the best direct lender who comprehends your bad credit situation and presents loan terms that fit your conditions. Get ready to secure the funds you deserve and take control of your financial journey!

Find a direct lender through us

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As a credit broker, we provide a platform where you can complete a loan application, rather than applying in multiple places. Our loan matching services then share this information with our wide network of lenders who have expertise in bad credit loans. If a lender in our network decides they'd like to offer you a loan based on your application and their assessment, they'll contact you with the terms and conditions. Remember, each lender has their policies, rates, and fees, and approval is at the discretion of the individual lender.

Whether a bad credit loan is right for you will depend on your unique financial circumstances. They can be a potential option if you've had trouble securing credit from traditional lenders due to past credit issues. However, they often come with higher interest rates and should be considered carefully. It's always important to only borrow what you can afford to repay and to consider all available options before applying.

The speed at which funds are transferred after approval can vary widely between lenders. Some lenders in our network may aim to transfer funds within the same day of approval, but this isn't guaranteed. Banking policies also play a part in the transfer of funds and may vary from one bank to another. Always carefully review the terms the lender applies before agreeing to a loan.

As credit brokers, we operate transparently. We do not charge any fees for using our website services. However, the fees associated with the loan as interest or late payment fees, are determined by the lender. Always read and understand your loan agreement before accepting any terms.

At ClixCredits, we offer a user-friendly platform that connects applicants with a wide range of lenders and brokers. Thus, you do not have to go to multiple lenders or broker’s websites to find the loan. We aim to help you explore the best potential loan options, even if you've struggled with credit in the past. We adhere to ensure that our practices are fair and transparent. Please note that the approval of loans is not guaranteed and is at the discretion of the individual lenders within our network.

Eligibility Criteria

Be a UK Resident
Be over 18 years old
Have a UK bank account
Be in a Full-time / Part-time employment
Meet the lenders’ criteria and credit affordability assessment

APR Disclosure

Representative Example : £1000 borrowed for 12 months. Total Amount repayable is £1357 in 12 monthly instalments of £113.08. Interest charged is £357, interest rate 49.9% pa. Representative 49.9% APR.