Looking for a loan with bad credit can be stressful, especially when you’ve been turned down before. Many people search for guaranteed loans hoping to find some certainty – a way to get the money they need without the fear of being rejected. While no loan can ever be 100% guaranteed, at LoanPig we do everything we can to help you get approved, even with a poor credit history. So are there any guaranteed loans for bad credit in the UK?
We work with a trusted panel of UK lenders who specialise in bad credit loans. That means if you’ve been refused elsewhere, you could still be accepted through us – as long as the loan is affordable for you today. We make fast decisions and keep the process simple, transparent and always focused on your ability to repay, not your past.
What Are Guaranteed Loans for Bad Credit?
“Guaranteed” sounds reassuring – but in the UK, no lender can truly offer a loan that’s guaranteed before checks are made. That said, when people search for guaranteed loans, they usually mean they want:
- A high chance of approval, even with bad credit
- Quick decisions, with minimal paperwork
- A clear and honest process, with no hidden surprises
That’s exactly what we aim to provide. If you’re over 18, a UK resident, and have a regular income, we’ll do our best to match you with a loan from £100 to £1,500, repayable over up to 12 months.
How We Help You Get Approved
Unlike traditional lenders who rely heavily on credit scores, our lending panel considers your current situation, not just your history. Here’s what sets us apart:
- We assess affordability, not just credit score
- We support people who’ve had CCJs, defaults, or missed payments
- We offer a quick online application that takes just minutes to complete
Once you apply, you’ll receive an instant decision. If approved, the money can reach your account the same day.
What If I’ve Been Rejected Before?
Don’t give up. Many customers come to us after being declined elsewhere. Because we work with multiple lenders, there’s often another option. Even if your application isn’t successful this time, we’ll be honest with you – and we’ll never charge a fee to apply.
If approved, you’re under no obligation to accept the offer. You’re in control, and there are no hidden fees or upfront costs – just clear, fair lending.
Ready to Try?
Use our loan slider to choose your amount and terms, and see what could be available to you today. There’s no impact on your credit score to check, and our application is fast, secure, and completely online.
FAQs
Are guaranteed loans real?
Not exactly. UK lenders must check affordability and eligibility, so no loan is ever truly guaranteed. But our high approval rates make it more likely you’ll be accepted-— even with bad credit.
Can I apply with poor credit?
Yes. We work with lenders who specialise in helping people with bad credit. We look at your ability to repay now.
Do you charge a fee?
No. It’s free to apply, and there are no upfront charges.
How long does it take?
Most applications are decided instantly. If approved, funds can be in your account the same day.