If you’re based in Birmingham and have been turned down for credit because of a bad credit score, we can help. At LoanPig, we’re not just a direct bad credit lender, we work with trusted UK lenders who understand that your past doesn’t always reflect your current financial situation.
You can apply online for up to £1500 with flexible repayment terms from 1 to 12 months, and you won’t need a guarantor. Whether you’re in Selly Oak, Edgbaston, or Erdington, we make the process quick, clear, and fully online.
Can I Get a Loan in Birmingham With Poor Credit?
Yes. Many people across Birmingham are in the same position – credit scores damaged by missed payments, defaults, or financial struggles. Our lenders assess your ability to repay today, not just what your file says.
Use our loan calculator to see what your repayments could look like, then apply online with no obligation.
Why Use LoanPig?
- Direct lender and broker, authorised by the FCA
- Fast online application and instant decision
- Same-day payout possible (Mon–Fri before 3pm)
- No guarantor required
We help people across the West Midlands find short-term solutions to urgent financial needs.
Who Can Apply?
To apply for a bad credit loan in Birmingham, you need to:
- Be at least 18 years old
- Live in the UK
- Be employed or receive a regular income
- Have a valid UK debit card and bank account
We welcome applications from people in full-time work, on benefits, or self-employed.
What Can the Loan Be Used For?
Our loans are for short-term, emergency needs, such as:
- Unexpected car repairs
- Urgent household bills
- Replacing a broken appliance
Always make sure borrowing is the right option before applying.
Apply Today
Check your options in minutes using our online calculator. It’s free to apply and you’ll only be matched with us and other responsible, UK-based lenders.
✅ No fees, no guarantor required
✅ Fast decisions and transparent terms
✅ Get funded as soon as today