Having a bad credit score doesn’t automatically make you a bad candidate for a loan. Yet some borrowers are finding that one forgotten credit card payment, or a repayment made later than agreed, has earned them a ‘poor’ rating from the credit classification agencies. In some cases, the reason you have bad credit is completely out of your control; you may be a young person who simply hasn’t yet had the ability, or life experience, to build up a good credit score. Or if you’ve been the victim of identity theft, you may have found it’s left a few black marks on your previously squeaky-clean credit score.

We are Here to Help

Sadly, the stringent rules of most big-name moneylenders mean that they are unwilling to overlook your personal circumstances and approve you for a loan. But fear not, there are options out there if you do need to secure a personal loan.

Simple Personal Loans is an easy-to-use, online personal loan finder service that offers access to one the largest panels of UK lenders, helping you find the right loan product for you, whatever your credit score.

Giving you More Choice

Even though Simple Personal Loans is a broker and not a direct lender, our service is fast, safe and, as our name suggests, really simple to use. Because we offer access to so many different lenders – and a wide variety of different products – we are confident that we can find you a loan to suit your needs, whatever your personal credit circumstances may be.

Simple Personal Loans also prides itself on offering customers a completely transparent service. All the information provided about the loans on offer will be presented in a clear, accurate and informative way, helping you make the right decision about what personal loan works best for you. If you do need any more information, a member of our team will be more than happy to put you in touch with your preferred lender to help answer any questions you may have.

Advanced online application

So how does it work? Simple Personal Loans uses an advanced online platform to access its panel of lenders, which means that the entire application process can be completed online. That means no phone calls, no paperwork and, ultimately, a no-stress process.

Using Simple Personal Loans is as speedy as using any payday loan service. We work to ensure you’ll receive the money from your lender within 24 hours of successfully submitting your bad credit personal loan application. If your application is received early enough, our lenders will strive to have your money in your bank account the same working day.

Fully Authorised

It may sound too good to be true, but rest assured that finding a personal loan through the Simple bad credit Personal Loans service is totally safe. As we’re fully authorised by the Financial Conduct Authority, everything we do is monitored and regulated to ensure we serve our customers in a responsible and ethical manner.