Quick loans up to £8,000
Simple online application and fast payout

Quick loans up to £8,000
Simple online application and fast payout

Change the way you borrow

Quick-approval Same-day payout No upfront fees
Monthly repayment
Total to repay
Quick-approval Same-day payout No upfront fees

Safe and Secure

FCA Authorised

Information Commissioner's Office Registered

The rate you are offered will depend on your personal circumstances.
A guarantor may be required.
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By clicking APPLY NOW you consent to your details being passed to our trusted partner Bamboo Limited to assess your eligibility for a loan and be contacted by SMS, email and telephone.

Representative Example:

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

Why Better Chance Loans?


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

Quick, safe and affordable loans...

  • Loans for Bad Credit and No Credit
  • 9 out of 10 Customers Accepted
  • Borrow from £1,000 – £8,000 over 1 to 5 Years
  • Loans for Any Purpose
  • Tenants & Homeowners Can Apply
  • Instant Decision
  • Personal and Guarantor Loans Available
  • Free No Obligation Online Quote
  • Rates from 26.9% to 89.9% APR


Quick-approval Same-day payout No upfront fees

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.

Frequently Asked Questions

Your personal circumstances are taken into account, and the following is typical criteria (not ‘set in stone’):

  • UK resident with a permanent address
  • Aged between 18 and 72 years old
  • Have a valid UK bank account
  • Not currently bankrupt or insolvent
  • Able to afford the monthly loan repayments

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.

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