Even with a very poor credit score, you may still be able to borrow money when you need it most. At LoanPig, we help people across the UK access very bad credit loans from trusted direct lenders – no guarantor needed. Whether you’ve been declined before, missed payments in the past, or have defaults on your file, we focus on what matters today: your affordability.
You can borrow up to £1500 and repay in flexible monthly instalments over up to 12 months. Start your quick, online application now to see your options – no upfront fees and no obligation to accept.
Can I Get a Loan With Very Bad Credit?
Yes – it’s possible. Most banks and traditional lenders rely heavily on your credit history to decide whether to lend to you. That makes it tough if your file shows late payments, CCJs, or even bankruptcy. But our panel of UK lenders look at more than just your past. They consider:
- Your current income and outgoings
- Whether you can afford the repayments
- Your ability to repay over time
That means even with a poor or very bad credit score, you may still be accepted. Very Bad Credit Loans From Direct Lenders with No Guarantor in the UK definitely do exist.
What Makes LoanPig Different?
✅ We’re a direct lender and a broker
✅ No guarantor required
✅ Same-day decisions, often within minutes
✅ FCA-authorised, UK-based lenders
✅ Focused on responsible lending
We don’t promise guaranteed loans – no one can. But we do give you the best chance by connecting you with lenders who specialise in very bad credit.
What Can These Loans Be Used For?
These types of loans are often used for emergencies or unexpected bills, such as:
- Car repairs
- Boiler breakdowns
- Shortfalls between paydays
- Urgent family expenses
Because they’re designed to be short term, these loans aren’t suitable for long-term borrowing or repaying other debts.
Who Can Apply?
You must be:
- 18+ and a UK resident
- Employed, self-employed, or receiving stable benefits/pension
- Have a UK bank account and debit card
- Able to prove your income and expenses
We don’t need a guarantor and you won’t be asked for collateral.
Apply Now – See What’s Possible Today
It’s free to check your options with LoanPig, even if you’ve been declined elsewhere.
If we can’t help as a lender, we may be able to connect you to a trusted provider who can. You’ll always see the details up front before you proceed.
Check your eligibility in minutes – Apply now with no obligation.