If you’re looking for a small loan but have bad credit, you might think your options are limited – but they’re not. At LoanPig, we help people across the UK get access to small loans for bad credit, even if they’ve had money troubles in the past.
Whether you need £100, £200, or £500 to cover an unexpected cost, we are a direct lender but also work with a panel of trusted UK lenders who specialise in short-term loans and consider all credit types.
What Are Small Loans for Bad Credit?
A small loan is usually a short-term loan of between £100 and £1,000, designed to help cover emergency costs or tide you over until payday. If you have bad credit, some lenders might say no – but we work differently.
We focus on:
- Affordability today, not just your credit history
- Quick decisions from lenders open to all credit scores
- Fast funding, often on the same day
Bad credit doesn’t have to stop you. As long as the repayments are affordable, you still have a chance to get approved.
Why Choose LoanPig?
At LoanPig, we make it simple to apply for a small loan – even with a less-than-perfect credit score.
- Apply in 2-3 minutes with our secure online form
- No hidden fees – ever
- Direct lender access through one easy application
- Soft credit check first – won’t affect your score
We’ve helped thousands of people find short-term credit solutions – and many had poor credit when they applied.
How Much Can I Borrow?
You can apply for a small loan between:
- £100 to £1,500
- Over 1 to 12 months
It’s up to you – use our loan slider to choose the amount and repayment period that fits your budget.
Can I Get a Small Loan with Bad Credit?
Yes. Our lending panel includes lenders who:
- Accept applications from people with low credit scores
- Don’t require a guarantor
- Focus on your income and affordability, not just your credit file
We don’t guarantee approval – no one can – but we do everything we can to help.
What Can a Small Loan Be Used For?
These loans are often used for:
- Emergency bills or repairs
- Everyday expenses like groceries or utilities
- Travel or transport costs
- Unexpected personal needs
They’re not long-term solutions, but they can help cover gaps when times are tight.
FAQs
Can I still apply if I’ve been refused elsewhere?
Yes. Each lender has different criteria. Being declined by one doesn’t mean you’ll be declined by all.
How quickly can I get the money?
If approved, some lenders transfer funds within hours – sometimes even faster.
Do you charge any fees to apply?
No. Applying with LoanPig is always free. If matched, you’ll see a clear loan offer with no pressure to accept.
Will applying hurt my credit score?
No. We start with a soft credit check. If you’re matched and choose to go ahead, a full check will be done.
Apply for a Small Loan – Even with Bad Credit
Need a small loan today? Apply now and see if one of our direct lenders can help – even with bad credit. Fast, flexible, and online.