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

How much would you
like to borrow?


  • Less than perfect credit accepted

  • Conditional decision in minutes

Our quotes won’t affect your credit score.
Representative APR 99.9%.

Unsecured Loans

We provide unsecured loans for all credit profiles up to £15,000. As a direct lender, we use soft search technology in our application journey, so applying with us 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.
Loans are subject to status and affordability. Terms and conditions apply.

Don’t just take our word for it!

Everyday Loans for everyday people

At Everyday Loans, we are a direct lender that specialises in providing unsecured loans for people of all credit types, helping thousands of people across the UK gain access to the money they need since 2006.

You can borrow from £1,000 to £15,000 over 18 to 60 months. Our loans are unsecured personal loans, which means your loan isn’t secured against your car or home.

We pride ourselves on a personal and tailored approach to lending, our UK-wide branch network allows us to get to know our customers better and provide loans to more people who may have had bad credit or credit issues in the past.

To find out if you qualify for one of our loans, you can fill out our online application form and receive a conditional decision in minutes. We use soft search technology for applications, 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.

Start Your Application

How it all works

To apply for a loan, fill out our online form. You will receive an initial decision in minutes, and if you are approved, you’ll be invited to your nearest Everyday Loans branch to go through further details about the agreement with one of our friendly account managers.

Keep in mind that all of our loans are subject to status and affordability.

  1. Complete our online application form

  2. Get an initial decision in minutes

  3. Pop into your local branch to complete your loan

All of our loans are subject to status and affordability.

Why choose Everyday Loans?

  • Filling out our application won't affect your credit score. We use Soft Searching Technology for applications, which means only you will be able to see the application on your credit history. We only conduct a hard search during a full application for credit.
  • We can work with you even if you have 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, and we never charge any hidden fees.
  • We'll give you a conditional decision in minutes.
  • Our loan terms run from 18 months up to 60 months, and you can borrow from £1,000 up to £15,000. Loans are not for gambling, business or illegal purposes. Maximum APR 299.8%

Our unsecured loans can be used for a variety of activities, from debt consolidation to home improvements. If you have questions about how you plan to use your loan, you can call your nearest 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 can 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. This helps us get to know you and your finances better. The meeting also gives you 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 because it allows you to explain your situation and provide evidence to support your loan application.

Tailored Local Lending

Our local branch staff have experience helping people get the loans they need. 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 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 know if we can provide you with a loan offer. If you have been successful, one of our team 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 upfront as well as keep their data 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 and defining their obligations, as well as 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 advise 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. We have prepared a glossary of terms in the support section of our website to help explain some of this terminology. Our branches are also happy to help answer any questions customers may have.

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 provide support and find ways to help them manage the loan.

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

What is an unsecured loan?

An unsecured loan is a loan that does not require any asset to secure the financing. This means a lender agrees to loan you money without you having to put up your home, car or other valuables as insurance.

Whether or not you are eligible for an unsecured loan is determined by your credit score and a set of requirements that are provided by your lender.

Types of unsecured loans

Some of the most common types of unsecured loans are:

Personal loans

These are general loans offered by a variety of lenders. Personal loans can be used for most purposes and are usually unsecured, meaning your car and home aren’t used as collateral to secure the loan.

Short-term loans

These are loan agreements where you are only borrowing for a few months, often with very high APRs and are referred to as a Payday Loans.

Debt Consolidation Loans

These are loans that allow you to consolidate multiple debts into a single loan. That allows you to simplify your repayment schedule and may lower the total amount you will pay on your debt.

Who is eligible for an unsecured loan

The minimum eligibility requirements for Everyday Loans are similar to many lenders.

  • You must be over 18.
  • Able to meet affordability checks.
  • Be a UK resident.

Keep in mind that these are just some common basics. Other lenders may have additional requirements, which could include minimum credit scores, borrowing amounts and many other things. If you are interested in an unsecured loan, you can apply using our online form. We use soft search technology when you apply with us, meaning your credit file won’t be publicly marked if you are unsuccessful.

Pros and cons of an unsecured loan

The pros of an unsecured loan are:

Unsecured loans are available to people with a variety of credit scores.

You do not need to put up an asset like your home as collateral.

The cons of an unsecured loan are:

APR tends to be higher than secured loans because there is no asset to secure the loan.

You may not be able to borrow as much as you would with a secured loan.

Failing to meet the terms of your loan could hurt your credit score.

Important knowledge on unsecured loans

Taking an unsecured loan is a 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 any questions you have and explain all the details of how it works with Everyday Loans.

Frequently Asked Questions

  • What does that phrase APR mean? More

    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 branch team to clearly break down costs should you choose to apply for a loan with us. And we have no hidden fees. Whatever your loan purpose, such as home improvement, APR refers to how much you pay back.

  • Is it correct that a loan could improve my credit? More

    Potentially. By reliably making payments on a loan, you demonstrate to future lenders that you are likely to be able and willing to fulfil your future loan agreements. This could improve your credit.

    If you miss payments, pay late or fail to abide by the conditions of your loan, that could hurt your credit score.

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

    Everyday Loans uses soft search technology for our initial application. This means the only person who can see the application on your credit file is you. We only conduct a hard credit search once you have accepted a loan offer from us. Applying for other unsecured loans that don’t use this technology could result in a number of attempts to obtain credit showing on your report, which can negatively affect your credit rating and chances of obtaining a loan.