A past credit problem does not necessarily prevent you applying
Whether credit is available, affordable and suitable depends on the lender's checks and your circumstances. We search a limited panel and cannot guarantee a match or approval.
We connect borrowers with lenders. That is the whole job. A missed payment or a thin credit file should not shut you out of fair, regulated credit, so we built a service that looks for a lender willing to consider you, tells you the real cost, and leaves the decision with you.
Why we exist
Mainstream lenders turn away a lot of people for reasons that say little about them today: a default from years ago, a period of illness, a move to the UK, or simply never having borrowed before. Those people still need to fix the car, replace the boiler and get to work.
We started Loans for Bad Credit UK to give them a straight route to lenders that look beyond the score. One application, a soft search, a possible match, if one is found and no pressure to accept it.
We think access to credit should come with honesty about its cost. So every page here shows the representative APR, our guides tell you when not to borrow, and we say plainly that a match is not an approval.
What we do
You complete one application and we search our panel of lenders and brokers for one that may consider you. If there is a match, the lender sets the rate and term, runs its own checks and makes the decision. We do not lend and we do not search the whole market.
How a credit broker worksHow we are paid
Our service is free to use. We may receive a commission for the introduction to lending and brokering partners. We never charge a fee to release a loan, so anyone asking for one is not us.
How to spot a loan scamWho we are
Loans for Bad Credit UK is a trading name of PJG Financial Limited, a small team based in Edinburgh. We are authorised and regulated by the Financial Conduct Authority for credit broking and registered with the Information Commissioner's Office.
- Trading name
- Loans for Bad Credit UK
- Legal entity
- PJG Financial Limited
- Company number
- SC535782, registered in Scotland
- Registered office
- 5 South Charlotte Street, Edinburgh, EH2 4AN
- FCA firm reference
- 919697
- ICO registration
- ZB537016
Check us on the FCA Financial Services Register before you share any details. If the contact details there do not match the ones you have been given, stop.
How we treat you
- We say on every page that we are a broker, not a lender.
- We show the representative APR and a worked example wherever we describe borrowing.
- We use a soft search first, so checking your eligibility does not affect your credit score.
- We share your details only to check for a match, and we handle them under UK data protection law.
- We never present a possible match as an approval, and we never rush you to accept an offer.
Borrowing with bad credit is expensive. Our representative APR is 79.5% variable, and if you are already behind on repayments another loan is rarely the answer. Start with free debt help or the alternatives to borrowing.
Contact us
- Post
- PJG Financial Limited, 5 South Charlotte Street, Edinburgh, EH2 4AN
If something has gone wrong, tell us and we will put it right where we can. You will get a final answer within eight weeks, and if you are not satisfied you can take it to the Financial Ombudsman Service.
How to make a complaint All the ways to contact usWe may receive a commission for the introduction to lending and brokering partners. You can ask us for the amount, or likely amount, of commission relating to a proposed agreement before entering into it.