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We are currently only offering Guarantor Loans

Bad Credit Loans

If you have bad credit it can be difficult to find bad credit loans that meets your needs and are still, most importantly, available to you.

If you have bad credit, a lot of the mainstream lenders such as banks or building societies will be unwilling to provide you with a loan. Luckily there are still a number of lenders out there that are able to help out with bad credit loans… and we have them on our panel.

Loans can be vital. They can be used to consolidate higher cost debt, or make emergency purchases. As long as the loan is affordable you can usually use it for any reason you deem necessary. People often borrow to buy a new car, home improvements, weddings, holidays or even for business purposes. Some lenders do restrict the loan purpose – luckily we can discuss your needs and find you a loan provider that can help. Guarantor loans are a type of bad credit loan that may interest you as well.

What is Bad Credit?Bad Credit Loans

There is a lot of confusion over the term “bad credit” and “poor credit”, even “fair” or “good” credit are terms that are thrown around all the time. What they actually mean remains a mystery to many. How do you know if you need bad credit loans if you don’t even know if you have poor credit!?

The problem lies in each lender having their own opinion of what constitutes any of the above. For example, a bank could say you have “poor credit” when you have missed a couple of payments over the last year. A guarantor lender would almost certainly disagree with this.

Other things that could constitute a bad credit rating are having a County Court Judgement (CCJ) against you. A default (these are generally applied when you miss multiple payments in a row). Being in a debt management plan. Being declared bankrupt in the last 6 years or being in an Individual Voluntary Arrangement. As mentioned above though, even one missed payment could be enough for you to not be approved for a loan.


Understanding Your Poor Credit History

There are some simple ways to monitor your credit. Some are free and some cost money.

Noddle – https://www.noddle.co.uk/

Part of Call Credit. Noddle offers a free credit history report, which allows you to look at your previous and existing financial commitments and see if you have slipped up. Noddle will offer a credit score which is based on not only your credit history but also things such as address history, whether or not you are on the electoral register and any people (such as a spouse or partner) who may be linked to your credit report.

Credit Expert – https://www.creditexpert.co.uk/

Part of Experian. Experian offers a 30 day trial which gives you access to both your credit report history and a credit score. Giving you a number and putting you in a category ranging from Very Poor to Excellent. They also offer identity protection which will notify you of any changes to your credit history. For example, if a new credit card is taken out in your name.

Equifax – https://www.equifax.co.uk/

Like Credit Expert, Equifax gives you a free 30 day trial – and charge £14.95 per month when the trial ends – with full access to your credit report and your recent credit score. They also offer identity protection. They offer different plans for different needs and allow you to carry out a one of purchase for your recent credit score.

You may find that some bits of finance do not show up on every report. This is because some loan companies will only report back to specific credit bureaus. While using these services will help you get a better understanding of your credit history. However, they are not a quick fix for bad credit and do not specifically allow you to “repair” your history. Going from a bad credit history to a good one will often take years of keeping on top of your finances!

Loans for Bad Credit

When looking into poor/bad credit loans, it is important to understand your options – our customer service staff are available to help you make an informed decision. Your first port of call should always be your bank; they may be able to help you even if you feel that your credit is in a poor state. If your bank can not help, then why not talk to us? We will listen to your needs and talk you through your various options. We charge no upfront fees and will never pass your details on to 3rd parties other than for the purposes of obtaining a loan.


Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed


Phone Number

01603 391104

Please call us during our opening hours for the best service.



We aim to reply to all emails within 24 hours.


Talk Loans
Kiln House


Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner’s Office ZA090336. Registered office address: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN

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