Is UKBadCreditLoans Worth It in 2024? – A Review

Jan 12, 2024 Reading time : 7 min

Are you in urgent need of quick funding to deal with unexpected expenses like a sudden car repair or medical bill? Or perhaps you are struggling to find a bank or credit union that is willing to provide you with financing because you have a bad credit score.

Whatever the reason may be, you can get loans for people with poor credit from UKBadCreditLoans. The online service can instantly connect you with hundreds of online lenders, most of whom are open to accepting borrowers with bad credit. 

So, if you’re curious to know how they operate and if they are the solution to your financial concerns, keep reading the rest of this review to find out!

What Does UKBadCreditLoans Do?


It is important to first point out that UKBadCreditLoans is not a direct lender. Instead, the credit service links borrowers with direct lenders that can provide them with access to a wide variety of loan products such as bad credit loans, payday loans, quick loans, same-day loans, etc.

When it comes to securing loan approval, most of their lenders often take into account factors such as your income level and employment status when reviewing your application. 

According to UKBadCreditLoans co-founder Emilia Flores, “Our main aim was to open more lending avenues for consumers, so you can rest assured that our partner lenders will not turn you away, regardless of your credit history.”

What are the Best Features That UKBadCreditLoans Offers?

Flexible APR


The APRs that you get on UKBadCreditLoans will usually vary depending on the lender that you are matched with. Most of the time, your APR will depend on factors such as your credit score, income level, etc. As a result, it can be difficult to predict what rates you will be offered, but you can often expect them not to charge anything higher than 49.7%.

Repayment Period

When it comes to repayment, this will often vary depending on the terms and conditions of your loan. However, it typically ranges between 3 months and 72 months. If you choose to accept a loan offer, you will need to make regular payments on a monthly basis within a set period that will be determined by your lender. Keep in mind that you are not obligated to accept any loan offer, so you can feel free to reject any offers you get if you feel that they are not satisfactory.

Loan Amount/Processing Speed

Even if you have bad credit, UKBadCreditLoans can help you to access funding of up to £5,000. This is generally higher than what some other credit lending services may offer to borrowers with a bad credit history, and the best part is that all approved loans are generally processed within 24 hours. This makes it ideally suited for dealing with any financial emergencies that you may be faced with.

High-end data security

UKBadCreditLoans utilizes 256-bit SSL encryption to ensure that you never have to worry about your personal and financial information ever being exposed to the public. They also have a strict privacy policy in place that guarantees your information will not be sold to third parties for marketing purposes. As such, you can feel confident enough to submit a loan application without fear of your privacy being compromised.

No Minimum Credit Score

Given the fact that the whole point of UKBadCreditLoans is to provide borrowers of all credit types access to funding, you don’t have to worry about a minimum credit score being imposed on new applicants. No matter how low your credit rating may be, you can submit your loan request, and as long as you can prove that you can afford to make your repayments on time, you should still be able to secure approval.

Does UKBadCreditLoans Conduct Credit Checks?

It is important to remember that UKBadCreditLoans is not a direct lender, which means that the company does not conduct any credit checks. 

However, their partner lenders will usually conduct a credit check on your loan application because all lenders in the UK are legally required by the Financial Credit Authority (FCA) to do so. 

Luckily, having a bad credit score will not affect your chances of securing funding via their lending network, so you don’t have to worry. The only thing your credit score will significantly influence is the loan amount, rates, and terms that you qualify for.

How to Get Started With UKBadCreditLoans?


Before you are able to submit a loan application via UKBadCreditLoans, you first need to ensure that you are eligible to apply for funding. This means making sure that you:

  • Are a citizen or permanent resident of the UK
  • Are 18 years or older
  • Have an active bank account
  • Have a steady source of income

If you fulfill the above requirements, you can proceed with the following steps to secure a loan from their network.

Step 1: Submit Your Loan Request

The first step that you need to take is to fill out an online form with all your personal and financial details, as well as select your desired loan amount. In most cases, you will need to share details such as your name, address, credit score, bank account information, social security number, etc. Once you have filled out the form, you can submit it and wait for your loan request to be reviewed.

Step 2: Review Your Loan Offers

In most cases, you can expect a decision on your loan request within minutes, at which point you can expect to receive multiple loan offers, each with its own rates and terms to consider. 

It is important that you take the time to carefully review the offers in order to ensure that you are accepting a loan offer that suits your budget and requirements. 

Keep in mind that some lenders may charge extra fees such as origination fees, prepayment penalties, etc. As such, you should take this into consideration when reviewing your options.

Step 3: Accept the Offer

Once you are confident that you have found the ideal loan offer, you can accept it by simply e-signing the loan agreement, at which point you will only need to wait for the lender to process your funds and deposit them into your checking account. 

In most cases, you can expect the money to reflect within 24 hours, but this can vary depending on the day you submitted the loan request (e.g., weekends) as well as your bank’s processing times.

UKBadCreditLoans – Is The Lending Service Worth It?

If you are short on funds, need a quick cash loan, and want to secure approval even with a bad credit score, then UKBadCreditLoans is definitely worth it. The process to apply for a loan is so simple and straightforward, not to mention that there is no need to submit any lengthy paperwork, either.

On top of that, they have a huge network of lenders, which means that there is a high chance of securing a competitive loan in the process. Plus, the entire service is completely free to use, so you can submit a loan request without having to pay any fees whatsoever. 

All in all, it is safe to say that you have nothing to lose by trying out UKBadCreditLoans today!