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More than any bank

Bad Credit Loans

Get on top of your money situation - even with a poor credit history.


Borrowing money with a poor credit score can be a challenge, but it isn’t impossible. We can help you find a loan that works for your circumstances, allowing you to get back on track with your finances. You can cover expenses with an unsecured loan, and improve your credit score.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

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Alternatively, call FREE on 0800 694 5566 Open 24 hours a day.

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Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

What are bad credit loans?

Bad credit loans are designed to help customers with a poor credit history who are having difficulty when it comes to applying and being accepted for a loan. These loans are typically unsecured, so pose less risk to your home or car, but bear in mind that the rates you pay may be higher.

Why do I have bad credit?

There are many reasons why you may have bad credit, which can affect your ability to borrow money at favourable rates and terms. Finding out you have a poor credit score can impact any future borrowing, so it’s important to look into why it has happened.

You may have missed payments on an existing loan, in which case it’s important to get in touch with the lender to discuss your situation.

You may also have a poor credit score if you have a CCJ (County Court Judgement) for defaulting on a loan or credit agreement on your record.

Your credit score can even be poor if you’ve never borrowed money before, as you would have no previous financial history to assess. This makes it difficult for lenders to determine if you can meet the repayments. The good news is a credit score can be improved, ready for the future.

How do bad credit loans work?

Bad credit loans are a type of unsecured loan designed to help people with a poor credit history. Many lenders offer this type of loan, so you won’t have to settle on one that doesn’t suit your own circumstances. At Norton, we work with a wide panel of providers and compare bad credit loans, so we can always find something that fits.

Meeting each repayment and paying back the loan under the agreed terms can actually improve your credit score over time, and raise your future prospects when it comes to borrowing and making your next big financial decision.

What can I use a bad credit loan for?

A bad credit loan is usually unsecured, so can be used for a wide variety of reasons without restrictions, including:

Money

Debt Consolidation

You can combine debts into one loan repayment plan, making it easier to manage and save.
Repair

Urgent repairs

If the boiler is on the blink or the car needs fixing urgently, you could use an unsecured loan to cover these and other unforeseen expenses.
Home

Mortgage payments

Get help covering the cost of a mortgage payment in a tough situation.
Car

Replacement car

If you’re in need of a new set of wheels but aren’t having luck raising the cash from car finance companies, we can help.

Applying for a bad credit loan

No matter what your reasons are for requiring a bad credit loan, Norton Finance can find a solution for you, regardless of if you’re unemployed, have a CCJ or are searching for a joint application. Simply fill in an application online, and our team will get to work searching our wide network of lenders and plans to provide you with a range of flexible options.

Am I eligible for a bad credit loan?

We help people from all walks of life to improve their circumstances and source a loan to match their needs. Whether you’re dealing with debt issues such as CCJs or are not deemed eligible for a loan by some lenders, we’re here to help. For those who are retired, self-employed or on benefits, obtaining a loan can be difficult, but Norton Finance filters through hundreds of options to find a product you’re more likely to be accepted for.

What do I need to apply for a bad credit loan?

When you’re ready to start your online application with us, you should have the information below to hand:

We will then be in touch to find out more information about your circumstances and recommend you have the details of any other debts you may have, to ensure our team has everything it needs to find you a loan.

Bad Credit Loan FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

Can I have a loan with a CCJ?

Yes, it is possible to secure a loan - even with a CCJ. Some lenders will work with you on a repayment package that covers the debt, plus the amount you want to borrow.

How much can I borrow?

Depending on the kind of loan, you can borrow from £3,000 up to £500,000.

How long are the repayment terms?

Repayments on a secured loan can be spread from 1 to 30 years, to ensure you can comfortably meet them.

What are the interest rates?

The interest rate will vary as your current circumstances and financial history are taken into consideration.

How long will it take?

You will receive an instant decision from us, but we recommend you give 1-2 weeks to allow your application to be processed.

Are there any loan fees?

There may be a broker fee of up to 12.5% of the amount you borrow, capped at £3,995, but this does not apply to unsecured loans.

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