On an assumed loan amount of £2,600.00 over 36 months. Rate of interest 41% per annum (fixed). Representative 49.7% APR. Total amount payable £4,557.89. 35, 35 monthly repayments of £126.61 and a final payment of £126.54. Rates from 26.9% APR to a maximum of 89.9% APR. Loan terms from 12 to 60 months.
Better Chance Loans is a leading credit broker and not a lender. A Guarantor May Be required. Warning: Late repayments can cause serious money problems. For help, go to moneyadviceservice.org.uk
No need to speak to anyone – a quick and easy online process
You may be eligible for a non-guarantor unsecured personal loan
Immediate online quote for the loan you qualify for
Unsecured loans are normally approved and paid out the same-day
You are safe, we’re fully FCA regulated, plus the website is secure
Very competitive bad credit loan rates from 26.9% to 89.9% APR
Free to get a loan quote | Zero arrangement fees | No hidden fees
The rate offered will depend on your personal circumstances.
A guarantor may be required.
Your personal circumstances are taken into account, and the following is typical criteria (not ‘set in stone’):
Yes, our loans are designed for people with a poor credit history.
Our loans are designed for people with bad credit or CCJ, and our mission is to help people just like you get access to the credit you need.
If you request a loan quote, there is zero cost, zero impact on your credit file, and in 2-minutes you’ll find out the loan you qualify for.
Very easy to get a loan.
Our slick online quote service will tell you in 2-minutes the loan you qualify for and all the costs.
This is quick, easy and you do not have to speak to anyone.
If you are happy with the quote, then simply apply via the fast, secure online form.
Same day payout is possible.
It is possible to get a loan the same day. This is as long as you completely fill out the application form and supply all ID in good time during the day.
If you are applying for a guarantor loan (rather than an unsecured loan), in theory, this should also be just as quick, but typically this takes a little longer as you need to get information from your guarantor, thus slowing down the process. For this reason, many of our customers prefer unsecured loans.
No fees, no obligation, no effect on your credit file.
When you click ‘apply now‘ there is zero fee and zero obligation to do anything further.
This assessment process is called a ‘soft search’ and does not affect your credit file in any way.
No, you are free to use the loan money however you wish.
We find that people typically use the money for home improvements, debt consolidation, travel, vehicle replacement, holidays, emergencies, wedding finance, and more.
However, we do encourage responsible use for money.