ePrivacy and GPDR Cookie Consent by Cookie Consent Unsecured Loans For Bad Credit - Apply Online - Everyday Loans

Unsecured Loans

We provide unsecured loans for all credit profiles up to £15,000. As a direct lender, applying with us won’t effect your credit score

How much would you like to borrow?

Our quotes won't affect your credit score


Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

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At Everyday Loans, we can provide flexible options for your unsecured loan. You can borrow from £1,000 to £15,000 over 18 to 60 months. That means you can cover things like unexpected expenses and repay your loan over a manageable period.

To find out if you qualify for one of our loans, you can fill out our online application. We use soft search technology so applying will not affect your credit. If you receive conditional approval, we will set up a meeting at one of our convenient local branches to finalise the details.

How it all works

Apply for a loan by filling out our simple online form and receive a decision in minutes. Once you have been conditionally approved, you’ll be invited into your nearest Everyday Loans branch to complete the agreement with one of our friendly account managers.

All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%
Start Your Application

Our unsecured loans can be used for a variety of expenses. You can use your loan for everything from debt consolidation to home improvements. If you have specific questions about how you plan to use your loan, you can call your nearest local branch.

To start an application for one of our loans you can click the “Apply Now” button at the top of your screen. The application process is simple and we are able to provide a conditional decision in minutes.

If you get conditional approval for an unsecured loan, we will set up a meeting at your closest branch with one of our loan experts. This allows us to get to know you and your finances better, as well as providing you with a chance to ask any questions you may have.

Understanding your finances means we can look at more than just your credit score. This is important for anyone who has poor credit. It allows you to explain your situation and provide evidence to support your loan application.

Tailored Local Lending

Our local branch staff are lending experts. That is why we include a face to face meeting as part of the loan application process. This allows us to get to know you and your finances rather than just relying on a credit score. In the meeting we will talk about how you manage your money, any financial obligations you might have and your unique personal circumstances. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

By the end of the meeting, we will have determined if we can provide you with a loan offer. If you have been successful in your application, one of our team members will explain the details of the loan and help you finalise your application.

Responsible Lending

At Everyday Loans, we strive to achieve the fairest lending practices. Our customers can expect us to be honest and fair as well as keep their data safe and secure.

To make sure we are responsible lenders, we meet with each customer to discuss the details of their potential loan. This includes explaining the terms of the agreement, defining their obligations and assessing their financial situation. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

During the meeting, we will ask each customer about their finances. To ensure we get the most accurate information, we recommend that our customers review their finances before they attend. We also suggest doing some general reading about common loan terms like APR and credit score. Our lending experts staff our branches nationwide and are available to answer any questions from potential customers.

We ask customers to let us know if their situation changes. For example, if they have an unexpected expense and may be late with a payment. In cases like this, we can work together to find alternative arrangements for managing the loan.

If you are interested in applying for one of our unsecured loans, you can fill out our online application today. To learn more about our loans, please contact your local branch.

Important knowledge on unsecured loans

Taking an unsecured loan is a flexible way of accessing credit that can help you obtain things you need and achieve the goals you want. It’s a serious commitment to enter into, of course, and that’s why we are here to answer a few questions and give a little more detail on how it works with Everyday Loans.

  • Q1: Can you define exactly what an unsecured loan is?

    Of course. Some types of loans are secured against things like assets, such as a mortgage which is secured on the property you’re borrowing against. An unsecured loan does not affect your assets, it is agreed and determined largely by your credit score and a set of basic requirements. Some adults in the UK are unable to borrow from mainstream lenders because they’ve struggled with credit in the past, and that’s where Everyday Loans steps in to help - we know you’re more than just a credit score.

  • Q2: What does that phrase APR mean?

    Annual percentage rate. APR means the amount that you’ll be paying back throughout your loan. APR isn’t a straightforward calculation as your loan repayments involve compound interest, which can be explained in a little more detail here. While this might be a bit tricky to get your head around (you won’t be simply paying back £1,100 on a £1000 loan at 10% APR for instance), we’ve made it a priority for our financial advisors to clearly break down costs should you choose to apply for a loan with us. No hidden fees – guaranteed. Whatever your loan purpose, such as home improvement, APR refers to how much you pay back.

  • Q3: Is it correct that I could get an improved score after applying?

    Not immediately after applying, no. As your credit score is a reflection of your reliability in making payments and meeting financial obligations, your credit rating will be positively affected should you make your repayments on time and in full. You will not see a boost to your score just for applying and being accepted for an unsecured loan, though.

  • Q4: Is there any mark on my credit record when I apply?

    Some lenders do leave a mark. Everyday Loans is different, as we make use of our own Soft Search technology which does not leave a trace when you apply. Applying for other unsecured loans that don’t use this technology could result in a number of attempts to obtain credit on your report, which can negatively affect your credit rating.

Our Process FAQs

Looking to learn more about Everyday Loans and our loans process? Here’s more information on how you can apply for a loan with us. It’s always worth remembering that our process is designed to be simple and straightforward, with the support of a customer account manager who provides you with the information you need.

  • Q1: Can you tell me what’s required for a loan to be approved?

    You need to be a UK resident, over 18 and have a bank account within the UK. Beyond that, we require that you’re employed. You may choose to apply for a loan, particularly for purposes such as consolidating debt, home improvements and more. As a responsible lender, we carry out a creditworthiness assessment . This means that we try to understand your financial circumstance to ensure that you only borrow what you can repay. If you meet the requirements, you can make an application now without damaging your credit score thanks to our soft search technology – you won’t get a mark on your credit file.

  • Q2: Can you confirm if Everyday Loans is a direct lender?

    Absolutely – we are! Our physical headquarters are located in lovely Bourne End (in Buckinghamshire). We specialise in helping people with poor or bad credit.

  • Q3: Is it a long process to get a loan with you?

    Our process is simple, easy and efficient. If your application is initially successful, you’ll receive a conditional approval. After this, we send your details over to your local branch and arrange a time for a meeting with our friendly advisor who will complete the loan for you. It’s a simple process and the money can be with you shortly after your meeting is complete.

  • Q4: Are your loan quotes flexible ?

    Indeed, they are! Whilst your loan term and monthly payment is fixed once the loan is booked, the loan options we can provide span anything from 18 – 60 months, we can lend from £1,000 - £15,000 and everything in between. Apply today to review your options!