Updated September 30, 2026 · BorrowCue Editorial Team
Top loans for bad credit compared in the United Kingdom
22 lenders available in the United Kingdom, ranked for the United Kingdom.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Quick Car FinanceTop pick | 8.7/10 |
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| ReviewCompareVisit |
| 2 |  Alt Lending | 9.4/10 |
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| ReviewCompareSee alternatives |
| 3 |  OneMain Financial | 9.3/10 |
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| ReviewCompareSee alternatives |
| 4 |  Bluevine | 9.2/10 |
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| ReviewCompareSee alternatives |
| 5 |  Salt Lending | 9.2/10 |
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| ReviewCompareSee alternatives |
| 6 |  Optimise | 9.0/10 |
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| ReviewCompareSee alternatives |
| 7 |  Metro Bank Re-mortgage package: free standard valuation and either Legal Assist or cashback: Free valuation plus legal fees, or cashback | 9.0/10 |
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| ReviewCompareSee alternatives |
| 8 |  Monzo Flex | 9.0/10 |
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| ReviewCompareSee alternatives |
| 9 |  OnDeck | 9.0/10 |
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| ReviewCompareSee alternatives |
| 10 |  iwoca | 8.9/10 |
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| ReviewCompareSee alternatives |
Licensed in the United Kingdom
- Quick Car Finance
- Financial Conduct Authority
- Optimise
- Financial Conduct Authority
- Optimise
- Information Commissioner's Office
- Metro Bank
- Prudential Regulation Authority
- Metro Bank
- Financial Conduct Authority
- Monzo Flex
- Prudential Regulation Authority
- iwoca
- Financial Conduct Authority
- Cash Converters
- Financial Conduct Authority
- Chartwell
- Financial Conduct Authority
- ClickFinance
- Office of Fair Trading
- Moneyboat
- Financial Conduct Authority
- Vanquis
- Prudential Regulation Authority
- Little Loans
- Financial Conduct Authority
- Little Loans
- Information Commissioner's Office
- Loan Tube
- Financial Conduct Authority (FCA)
- SupaFinance
- Financial Conduct Authority
- Tide Go
- Financial Conduct Authority (e-money authorisation, Electronic Money Regulations 2011)
- Tide Go
- Financial Conduct Authority (credit and insurance broking)
Browse by category
- Personal loans in the United Kingdom
- Payday and short-term loans in the United Kingdom
- Debt consolidation loans in the United Kingdom
- Lines of credit in the United Kingdom
- Secured loans in the United Kingdom
- Mortgages in the United Kingdom
- Remortgage deals in the United Kingdom
- Car loans in the United Kingdom
- Business loans in the United Kingdom
- Private student loans in the United Kingdom
- Home equity loans and HELOCs in the United Kingdom
- Home improvement loans in the United Kingdom
- Cash advance apps in the United Kingdom
- Buy now, pay later in the United Kingdom
- Equity release in the United Kingdom
- Debt relief in the United Kingdom