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


Get Up to £5,000!*

Select an Amount:

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Cashity is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances

Welcome To Cashity

Welcome to Cashity the one stop shop for all your loan needs we specialise in providing a fast and hassle free finance applications. Put that spending power back in your wallet with Cashity’s 90-second application process.


We have a Variety of Loan Options

Click around and find out what suits you best. You may find that there is a loan here that suits your circumstances perfectly. If not then why not get in touch with our amazing team, they can find a plan to fit any situation.

Instalment Loans
Fast Loans
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We Will Guide You Every Step of the Way

We will find the best plan to suit your individual needs no matter what amount you’re looking for or for how long.

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We have a dedicated team on hand every day to make sure that you get the service that you deserve.

Competitive Examples from Rival Companies

Click ‘Show More’ for a representative example of their rates.

Loan amount
Loan term
3 months
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Loan amount
100 - 2,500
Loan term
6 - 14 Months
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Poor Credit Loans: Options For Bad Credit

If you have a bad credit, you probably know how difficult it is to get approved for almost any type of loan. Personal, auto, or mortgage – you name it. These lenders will give you a hard time because of the financial mistake you’ve done in the past. They use credit scores as the primary basis for your approval or rejection.

This article will discuss the different things you need to know about bad credit, the loans available, where to get them, and how you can win the lowest rates.

One of the options you have is the bad credit personal loans. This loan is unsecured and you can get an amount £1,000 – £10,000 with a repayment term of 12-24 months. Since it is repaid on an installment basis every month, it is also referred as installment loans.

Bad credit borrowers usually have a slim chance to get the loan. However, in case they are approved, they can borrow from £250 – £5,000. Aside from the smaller amount, the interest rate is another problem. The loan seekers are considered as a high risk to their business and the only way to discourage those who cannot afford the loan is to apply expensive interest rates.

Despite the high-interest rate, a personal loan is still a good option especially when you need a short-term financial assistance. It can be used for almost any purpose and you’re not required to explain why you’re borrowing the loan. However, it’s important to remember to not rely on it from time to time; rather, use it only as a last resort.

Here are some of the reasons why personal poor credit loans are beneficial:

  • Settle current utilities
  • Pay rent, mortgage, and other debts
  • Consolidate credit cards
  • Replace or repair car and home necessities

Meanwhile, there are also reasons why you should not take advantage of the loan:

  • Unnecessary travel
  • Buy new gadget

The loan is not for free and you’re going to repay more than what you’ve borrowed, therefore it’s best to make it worthwhile.

Watch Out For Poor Credit Loans Direct Lender

Poor credit loans can answer urgent financial crisis but it carries a high-interest rate that you have to deal with. It’s a common characteristic for bad credit loans since they are dealing with high-risk borrowers. So, be sure to contact a poor credit loans direct lender when it’s really necessary. Do not use it for leisure purposes such as traveling. In case you want to splurge on a gadget or getaway, start saving money instead.

You should also avoid using the loan to consolidate loans unless the interest rate is cheaper than all the debts combined. The main goal of consolidating debts is to reduce the expenses, thus a bad rate is useless.

To maximize the benefits of using a poor loan direct lender, you need to find a way on how you can reduce the interest rate. Improving your credit score is one of the best ways to do it.

Poor Credit Loans: Improving Bad Credit

Whether you’re planning to score a bigger amount or a low-interest rate, here are some tips that you should take note of:

  • Check Your Credit Report

If you want to repair your credit score, you should begin with your credit report. Be sure to have your own report; otherwise, ask for a free copy of it. Your credit report is an important factor when applying for a loan as it contains all the necessary data. It is used to calculate your remark and at some point, it may contain errors. To ensure that there are no discrepancies, check for incorrectly listed late payments, arrears, defaults, and the like. If you find any inaccuracies, contact the credit bureau immediately.

  • Setup Payment Reminders

One of the contributing factors to a better credit score is repaying on time. While you can set your own alarm or notification, some banks offer free payment reminders through text or email. You may also grant your credit card and loan providers an access to your bank account so they can automatically withdraw your repayment on the agreed repayment date.

  • Reduce Your Debts

Repaying your debts one by one almost sound like an impossible task; however, it makes a significant difference in improving your credit rating. Use your credit report to view all your accounts, the amount you owe, and the interest rate it carries. Create a repayment plan and talk to your lender about your current struggle. Some lenders may provide a flexible repayment term to help you settle your debts.

Poor Credit Loans UK: Finding Poor Credit Loans Instant

There are many ways on how you can find the right poor credit loans instant and the most familiar option is by going online. Using your research skills, compare different lenders including their rates, policies, and repayment term. This way, you’ll know who is offering the best deal. You may also turn to loan brokers. These licensed professionals are trained and educated to match you with the appropriate lender. Otherwise, you may use comparison websites. These pages contained necessary details to help you compare loans quickly and easily.

Applying For Poor Credit Loans No Guarantor

If you’re planning to get poor credit loans no guarantor, the fastest way is acquiring it online. Once you find the right lender, go to their website and fill out an application form. Normally, no documents are required as long as you have provided all the necessary personal and financial information. Once you’re approved, the lender will send the money within three days or less.

Poor Credit Loans With Guarantor

If you have a bad credit, you may look for a guarantor to increase your chance of being approved. It can be anyone – your family, friend, or colleague – who trusts and knows you. The guarantor will vouch and repay the loan if you default, so it’s important to have a high income and excellent credit remark to be approved.

Every lender has their own criteria and the best way to know whether you and your guarantor are eligible is to contact their customer service.

3 most recent personal loan reviews

Review of Drafty

Excellent, paid on time, offered a top up a year later- done within less than 30 minutes - paid out within two hours can't fault this company had two loans with them prior to this one.

Review posted by Andrea Attwood, Harrogate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Tesco Bank

Company makes sure that guarantor and applicant understand their contractual obligations. Faster payment is used so participating banks transfer the money in less than 2 hours, mine for Tesco-Guarantor-Applicant was less than 2 hours for the total process. Avoid an Easter weekend, takes longer to process applications. Also, look at other lenders, some ask over 1000% interest, Tesco, 49%, early repayment allowed, interest charged on a daily basis to repayment date.

Review posted by Micheal Peters, Southwold

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Ferratum

When I made my application I thought it was merely a scam. It was too good to be true considering my credit rating. I couldn't believe my eyes when I checķed my account a few hours later and saw the huge amount sitting there. I don't hesitate to give Ferratum the highest ranking on the land for believing in me and made my dreams possible by making the funds available to me in a short space of time hussle free. No paper work, no stress.

Review posted by Lorraine Smith, Ironbridge

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.