When you need money fast, waiting days for a decision isn’t an option. If you have bad credit, it can feel even harder. That’s why we help you apply for urgent loans for bad credit with fast decisions and direct lender connections – all online, all in minutes.
We’re a lender and we work with a panel of trusted UK direct lenders who look beyond your credit score. If your loan is affordable, we’ll aim to match you with a lender today. Whether it’s a car repair, emergency bill or something unexpected, we’re here to help – even if you’ve struggled with credit in the past.
What Are Urgent Loans for Bad Credit?
Urgent loans are fast, short-term loans for people who need money right away, often within minutes or hours. These loans are designed for emergencies and offer:
- Quick applications and instant decisions
- Fast funding, often on the same day
- Bad credit friendly options
- No middlemen – direct lender access
You won’t be judged for your past. We focus on what matters now – your income, your expenses, and your ability to repay.
Why Choose LoanPig for Urgent Loans?
We’re not just a lender, we’re also a broker with a wide panel of direct lenders ready to consider your application. Here’s how we make it easier:
- Fast online form – apply in just 5 minutes
- Soft credit check first – won’t affect your score
- Instant results – see your lender match right away
- No upfront fees – ever
If matched, you can review the loan offer with no obligation. If it works for you, the funds could be in your account later today.
Can I Get an Urgent Loan with Bad Credit?
Yes. Many of our customers have:
- CCJs or defaults
- Missed payments
- Low credit scores
That’s okay. Our lenders look at your current situation. As long as you have a steady income and can afford the repayments, you still have a chance. Bad Credit doesn’t need to stop you getting a loan.
What Can Urgent Loans Be Used For?
Urgent loans can help with costs you didn’t expect, like:
- Car breakdowns
- Emergency travel
- Household repairs
- Medical bills
- Catching up on essentials
These aren’t long-term solutions, but they can help bridge a gap when time is tight.
How to Apply
- Choose your amount and how long you want to repay
- Fill in your details online – just once
- Get an instant decision from a direct lender
If accepted, you’ll see the loan offer right away and can choose to continue. Most successful applicants receive their funds the same day.
FAQs
Can I get an urgent loan today?
If approved, yes. Many loans are funded the same day.
Do I need good credit?
No. You can apply even with bad credit, as long as you can afford the repayments.
Will this affect my credit score?
Your application starts with a soft check. If you accept an offer, a hard search will happen – but only after your match.
How much can I borrow?
Between £100 and £1,500, depending on your circumstances and lender.