Bad credit loans

We could help you with a loan, even if you have a bad credit rating.

Even if you've been turned down elsewhere, we could help you.

How to apply

  • Apply online here
  • Call our friendly team on 0845 603 6695 (Calls from a BT landline may cost around 25p based on a 5-minute call. Calls from mobiles and other providers may cost more). Calls from a mobile may be cheaper on  01772 666122.

Representative Example

Annual Interest Rate (fixed) is 71.3% p.a., with a representative 99.9% APR based on borrowing £500 and repaying over 52 weeks with 52 weekly repayments. Weekly repayments of £13.47 with total amount repayable of £700.44.


How we accept applications

When you apply, one of our team will take a look at your circumstances to make sure the loan is affordable.

We look at things like:

  • Whether you're up-to-date wih your finances
  • How much you can afford to pay each month
  • Other debts you have

As long as your finances are in good shape, your loan could be in your account within a few days.

Help with your finances

If you want to borrow money to help pay bills or other debts, we might advise against borrowing more money.

Instead you should get in touch with our Money Advice Team. They can help you find a way of making your finances more manageable.

Or if you're really struggling with debt, StepChange Debt Charity can help.

Places for People Financial Services Limited is authorised and regulated by the Financial Conduct Authority with firm reference number 663756

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