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Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk


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WolFinance is a licensed credit broker and not a lender. We are not a direct lender.

We will never charge you for our service and the lender will not increase the rate to cover our fee to them.

We work with over 40 different lenders to bring you the very best rates from across the UK market.

Representative 305.9% APR. Representative example: £400 borrowed for 90 days.

Total amount repayable is £561.92 in 3 monthly instalments of £187.31.

Interest charged is £161.92, interest rate161.9%(variable).

Warning: Late repayment can cause you serious monetary problems. For help, got to moneyadviceservice.org.uk.

Do not borrow more than you can pay back as defaulting on payments can cause serious monetary problems.

Any collateral you have against the amount may be at risk of repossession.

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Emergency Loans for Bad Credit

Are you having a hard time looking for a loan due to your bad credit history? If so, then looking for lenders who give out loans even to those who have bad credit is the best for you. With the rise of the number of lenders and banks, gone are days when you absolutely can’t get a loan unless you do something to improve your credit history.

What is a Bad Credit?

In general, your credit history is the reflection of how well or bad your past loans and debts are. It’s a way for lenders and banks to track whether you were able to keep track and pay off any debts from previous loans. This is normally checked by lenders to ensure that they won’t be loosing money if they choose to grant you a loan.

You would get a bad credit history if you ever miss a payment or forgo paying your loans entirely. You would also get a bad credit history from credit card debts that you weren’t able to pay off. It may also mean that you were denied a loan application in the past due to various reasons.

If you’re thinking that there’s a way for you to hide your credit history by not divulging it when you’re applying for loans you’re unfortunately mistaken. Credit histories are compiled by credit bureaus in a credit report so there’s no way for you to hide any history since it’s readily available to lenders.

How to Know if You Have Bad Credit?

If you pay close attention to your finances and how you spend your money you would already have an idea of whether or not you have a bad credit. However, if you’re still unsure about your credit history below are ways for you to find out whether you have a bad credit history or not.

1. You missed a payment for a credit card debt or loan
2. You were recently rejected for a loan
3. Your credit card limit has been lowered
4. You are being offered higher rates than usual

If you are experiencing a combination or all of those above; then you might currently have a bad credit. To check your credit more accurately you may compute for your credit score. There’s no clear cut way of knowing which score is good or bad since there are no universal rules about what a bad credit score is. However, the general rule of thumb is: if you have a score that’s on the lower 600s then you have a bad credit history.

How to Get Loans if You Have Bad Credit?

While it’s still advisable for you to raise your credit score first before you get another loan, emergencies might call for you to get loans before you are able to do so. In cases like hospitalizations, accidents, and even home and auto repair you might need to get a loan immediately and unexpectedly. In these cases, it’s best if you apply for emergency loans since these are approved faster and have a higher approval rate. However, you still need to be careful in choosing where you would apply your loans.

There are lenders who advertise that they won’t need you to have a good credit standing for loan approvals however, their rates might be a bit high. Given this, you need to be careful in choosing where to apply for your loan. Do your research first and check for the rates before you start application so you won’t waste time or effort in case you find out about the terms late. It’s also advisable for you to get your loans directly and to look closely if you’re going through a middleman or broker to avoid any additional fees.

Where to get an Emergency Loan with a Bad Credit?

There are many lenders that approve loans to those even who have a bad credit history. If you need you loans fast; then it’s advisable for you to apply for your loan on pounda.co.uk. They offer various kinds of loans which also have varied interest rates and loan amounts. Just make sure that the loan you’re applying for would match your salary and other forms of income.

Pounda also offers quick approval. You would normally get your results within 24 hours of you filing your loan request. If your loan is approved they would deposit the money directly to your account. Getting loans have never been this hassle free, so if you want quick and satisfactory loans then you should apply on pounda.co.uk.

Get the Very Best Loan to Suit Your Needs

It can often be a difficult task to know what kind of loan will suit your needs the best. To make it easier for you we have gathered all our sub pages here so you can see what page will be best for you. If you are still unsure feel free to contact us and we will do everything we can to make sure you get the finance that you want.

5 most recent personal loan reviews

Review of Sunny Loans

A very good team of people, who helped me with the process which I found to be a little confusing. They also weren't too demanding of my guarantor when he needed to supply documents. Slightly higher rates than I expected for a guarantor loan but wasn't too over the top.

Review posted by Betsy Farlow, Thetford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Creation

Creation Loans really helped me out in my time of financial difficulty. The payments are manageable and the team are very helpful and understanding. I would borrow from them again.

Review posted by Glenis Belanger, Basingstoke

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Pounds To Pocket

Excellent service would recommend to friends and family i thought it would be a bit stressful waiting for an answer but got it straight away so no waiting and the person on the phone was helpful yes very pleased with the way it was done. Ian

Review posted by Ian Stall, Derby

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All reviews have been sourced from Trust Pilot to guarantee authenticity.