Bad Credit Loans

  • No Checking of Credit History
  • Your credit score doesn’t hurt
  • Your best chance to get accepted
  • Easy Repayment Schedule
  • Get Approval in A Few Minutes

Latest Offer - If Your Loan Amount is More than £5000 then APR 6.03 %

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Bad Credit Loans With An Innovative Approach

Gone are the days when traditional lenders would turn down numerous loan applications on account of bad credit scores. Since the lending system has changed, it is no longer difficult to apply for a loan despite less-than-stellar credit record. Poor credit scores can happen for various reasons, and not all of them show financial irresponsibility.

A repayment default is not the only reason for a low credit score, and Forever Finances understands it very well. Our bad credit loans with no guarantor and no broker in the UK help you meet any unexpected expenditure when you do not have enough savings to dip into.

Features of these loans:

  • Flexible repayments
  • No hidden and upfront fees
  • No application charges
  • Convenient online application procedure
  • Same-day approval
  • Same-day funds transfer
  • No credit check
  • Instant decision
  • No Broker

Want to Apply for Bad Credit Loans With No Guarantor From Direct Lender? Simplest as It Can Be

Please note that a bad credit loan is not a type of products we offer; rather, it involves all types of loans available to bad credit borrowers.

  • Fill out an online application form.

  • Wait unless we get back to you. It will hardly take a few minutes.

  • You will consent to the loan disbursal procedure.

  • You will get funds directly into your account.

The maximum disbursal limit of these loans is £25,000 depending on your creditworthiness and affordability. Successful applicants will get funds on the same day or next day if you put in the application on holiday.

You must meet the following conditions before you apply for online loans with bad credit with no fees:

bad credit loans eligibility

Example of Interest Rate

Loan Amount APR Representative Months
£1100 12.9% 3-6 Months
£2000 11.9% 6-12 Months
£3000 10.5% 12-24 Months
£5000 & More 6.03% 6-24 Months

What Benefits Will You Get from Bad Credit Loans?

These loans help you meet your unexpected expenses regardless of your poor credit history. You can apply for the loan at the comfort of your home. You will get money based on your income statement at lower interest rates than the market.

All our deals are personalised, means you will get the loan as per your credit needs and affordability. If you think you will not be able to pay off your debt on the scheduled date, talk to us. We will provide you with alternatives so that you do not fall behind repayment.

You can take out these loans to improve your credit score. Our website recommends additional TIPS to build up credit.

  • If you struggle to pay off a large amount of a loan, talk to your lender. They are likely to allow you to pay off in smaller amounts.
  • Be wary of taking out a joint loan with bad credit, as your scores will also plummet in case of defaults.
  • Do not max out your credit card. Use it only when it is urgent and settle your account within the grace period.
  • Make sure there are no errors in your credit report that may be the reason for rejection of your loan application.

bad credit loans

Why Should I Approach Direct Lender, Not the Broker?

You are desperate for a loan with bad credit because your financial circumstances demand quick funding access. Besides, your credit score is not attractive to convince lending institutions for loan approval. Such tough circumstances make you oblige to indulge in confusion on what to do?

Some people, due to their lack of market knowledge, prefer a third party to reach towards the lender and apply for the loan. On the other hand, a few individuals keep themselves aware of the lending market deals and apply directly towards the lender. We hope you must be among these people because we are here to assist you directly without any need of broker’s intervention.

  • We have a vast online presence all over the UK;
  • We have been on the right track in serving the financial purposes of the people;
  • We are flexible in our policies and thus, provide multiple loan options to our prospective borrowers;
  • We have a huge expert team of a financial advisor who offers fee-free advice to the loan seekers.

If we suggest you not to approach any third party like a broker, then it means you can apply for our loans for bad credit with no guarantor as well. As far as loan security is concerned, we can be satisfied with your income status. If your income is good and capable of making repayments, then we approve your loan application on the same day.

Still, want to know more on the difference in approaching the lender directly and the broker? Continue to read below.

Direct Loan Lender Loan Broker
Approaching lender directly saves your time and efforts. Finding a broker needs quality research, and it cannot be done in the hustle and bustle.
You only have to pay the lenders’ interest rates, and no fees would be involved. The broker can put an extra burden on to your finances as you have to pay the broker’s fee as well as the lender’s interest rates.
During the financial urgency, going for the direct lender through online mode is indeed a wise decision. As notified, seeking a broker’s help requires time, and thus, you cannot attract quick funds during the urgency.
Your mind can be cleared about the particular lender, as you do not have to approach other ones. The broker usually puts multiple options of the lenders that may confuse your mind, especially when you are in a hurry to apply for the loan.

As the responsive direct lender in the UK, we have a trustworthy record of offering timely financial assistance, and we have proved why it is vital to apply for bad credit loan from lenders, not brokers.

Guaranteed Approval - Does It Exist?

This is the first question that strikes you when applying for a loan, whether the loans for people with bad credit come with guaranteed approval or not. Our instant loans with no credit checks are featured with:

  • No guarantor
  • No fees
  • On instant decision

You can think now getting funds on 100% certainty.

Forever Finances intends to approve as many applications as we can, and our lenient terms and conditions yet favourable to customers make it possible to happen, but the amount you get approved may differ from what you quoted because we sanction the loan after careful consideration of your income statement. You get what you afford, not what you quote.

Get Money with No Credit Check

Being known for the borrower-friendly policies on the loans for very bad credit by direct lenders, we never miss providing no credit check facility. We do not run hard inquiries that show up on your credit report. Since we know that you are applying for a loan with a bad credit history, we do not emphasise on a credit check. We will evaluate your repayment capacity based on your income statement. You also do not need collateral and guarantor to take out bad credit loans with no credit check.

If you have been declined for a bad credit loan, apply for a loan today. Borrowing funds is quick and convenient here.


  • Is there any loan repayment charge if I change my bank account?

    You can change the bank account in the mid-term of loan repayment, as it is your right. However, it may impact the loan process and bring difficulty if you have chosen the automatic deduction option.

    It would be better if you can wait for the completion of the loan and then change the bank.

  • How much leverage can I expect on interest rates if I apply for bad credit loans?

    We are already offering bad credit loans on competitive interest rates. You do not have to worry about the prices. We are the responsible direct lender in the UK, and you can keep expectations from us. We vouch for fulfilling every part of it.

  • Which one is important - professional credibility or personal credibility?

    If you are applying for bad credit loans, then you have to be credible in both professional and personal wise. In the absence of good credit, your income and working stability guarantee the approval. Similarly, your ability to balance the monthly budget creates more trust in the lenders that you can repay the funds on time.