Find a loan with Bad Credit Today!

Our online enquiry form is quick and easy.
We’ll match you with the best-fit lender for you.

Giving a better chance at finance for everyone is what we’re all about. So, if you’ve ran into some money problems in the past, we want to help you turn things around, and get the right loan for you.

If you’ve got bad credit, several of our lenders specialise in loans for customers who’ve got poor credit history. Our brokers will help to make sure the rate you get is the best for you, in your situation.

Sorting out any loan though can be confusing and time-consuming, so let us take the stress away. We’ll send your details to our trusted lenders, matching your situation with those most likely to give you the best rate.

Better Chance Finance is quick and very easy to use, matching you with providers who are likely to say YES based on your individual situation.

1. Complete the form

We’ll simply ask for some details about you and your situation, and find out what loan you are looking for.

2. The experts

We match that information securely to our panel of lenders, to find the best loan for you.
The lender will then get in touch with you to complete the process.

3. It’s all done

Soon the money will hit your bank account, ready for you to enjoy.
Whatever you spend your loan on, we’d love to see a photo, you can tag us on social media using #bcf

  • Are over 18
  • A UK resident
  • Have a regular income
  • Have had bad credit in the past

Calculate what you could borrow…

Our car finance calculator can help you work out the cost of your monthly payments based on your budget.

Bad Credit

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Bad credit loan

We want to give everyone a better chance, and we feel that having a bad credit score shouldn’t hold you back. So, if you’ve been turned down for finance elsewhere, you’ve come to the right place.

Better Chance Finance work with many trusted lenders, so we’re in a great position to do all the shopping around for you, making getting a loan straightforward and hassle-free, even when you’ve had difficulties in the past.

Instead of wasting time on lots of applications, that might be declined, you just give us a few details, we match you with the best lender for your situation, and they will get in touch with you.

Whatever you need a loan for, we make sure you have a better chance of getting the money you’d like.

  • Simple and straightforward – just one simple enquiry form
  • We have specialist lenders, experts in helping people with bad credit
  • Whatever your credit history, applying is FREE, so see what you could get

We can help with Bad Credit

Many brokers choose not to deal with people who have poor or bad credit as they are considered higher risk compared to people with a good credit rating. As a result, people with bad credit often have difficulty getting their finance application approved, even if they are no longer in the financial situation they were once in.

Better rates

We search the real-time current loan offers from a panel of lenders, making sure whatever your circumstances and credit rating or history, you’ve got a better chance of a competative rate when applying with us.

The rate you’ll be offered will depend on your circumstances.

Better variety of lenders

Even if you’ve been rejected for a loan before, don’t worry, we’ve got access to lenders’ plans, and these aren’t always shown to the general public.

Applying is free, and there’s no obligation, so find out today which of our lenders would give you the best deal available to you.

Better loans for… whatever!

Our customers are free to spend their loans on almost anything, so from booking the holiday abroad, to organising a wedding – you can rest assured you’ve got the money you need to make it happen.

Completing your bad credit loan application

As the provider is aware of your situation they are more likely to be able to accept your application in quick and timely manner, removing some of the searching, form-filling, wasted application time and worry about receiving a rejection elsewhere.

  • Complete the form

    There are some simple, straightforward questions to answer, so we get the basic information we need to give you a better chance at your ideal loan.

  • We’ll find your loan

    We securely send your details to the right lender matched carefully based on your situation, giving you a better chance at the ideal loan for you. The lender selected will then get in touch with you to complete the process.

  • That’s it!

    Now you get to drive off in your new set of wheels.
    We’d love to see a photo, tag us on social media using #bcf

General FAQ

Can I buy a car from anywhere?

When your loan is approved, you can use your car finance at a wide range of reputable car dealers. You just go and find your dream car. We don’t like to restrict your choices, and it only seems fair that you can use your loan and find the car YOU want.

If the car you want is a private sale, you will need a personal loan.

How does it work?

You give us information about yourself, and we use this to find your credit file. We use the information on your credit file to match you with the most suitable lender based on your circumstances.

How long does it take?

We make sure the process is as quick and straightforward as possible, and it only takes a few minutes to complete a form and search our panel of lenders. They can quite often give a decision fairly soon. Each lender though has their own criteria and information required. The more accurate information you can give us the better and will help us to determine how likely you are to get a loan.

I have bad credit, can you help?

Many customers come to us knowing we can offer a better chance of getting a loan or mortgage, regardless of credit history. We work with a wide range of lenders in each area who each specialise in helping people in different circumstances. This means we can help find you the deals that best suit you and your situation.

What are ‘hard’ and ‘soft’ credit searches?

Firstly, let’s explain a little about how credit files and scores work: Credit rating agencies build up files on all of us based on a mix of publicly available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had in the past, such as loans and credit cards. From this they calculate a credit score, which companies check when they’re working out whether to give you a product such as a loan, and on what terms.

Managing your finances well and always paying off what you owe on time will help to give you a good score. As you’d expect, missing payments, will lower your score. Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search. Finance companies often need to make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years. This matters because, for many lenders, several hard searches in a short period suggests you might be struggling to get finance, or that you’ve opened several accounts and that might prove difficult to keep on top of.

Soft searches occur when you or someone else looks at your file, but doesn’t complete an actual application.

What can I get finance for?

We can help with loans for; mortgages, secured loans, cars, motorbikes, classic cars, vans and certain lenders can do balloon payment finance. We also have lenders that do personal loans for just about anything.

What is APR?

When you’re searching for loans online you’ll have probably seen the letters APR, as this is information that all lenders have to give when they’re promoting a loan. APR varies from lender to lender, and understanding what it means is really important, as it affects what you’ll be paying back each month.
What does APR stand for?
APR stands for the Annual Percentage Rate of charge. So it’s referring to the interest you’ll be charged each year for having the loan. The interest is worked out so that you’ll pay the same amount each month.
Why is it important to know the APR?
When you know the APR of a loan, you can compare it directly with other loans from different banks, and so it can help you decide which is the best deal.
I’ve seen the term “Representative APR”, what does this mean?
A representative APR, means that at least half of customers receive a rate that is the same as, or lower than, this figure. So, as a general rule you’re looking for a loan with a lower representative APR, as this usually means there’s a better chance that you’ll be paying less than with a higher one.
What does “Personal APR” mean?
When you give a lender your details, they work out what your APR would be on a certain loan, based on your situation and credit history – this is called your “personal APR”, as it’s specifically for you.

Apply for a loan

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