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Instant decision loans

The smart, simple way to borrow up to £5000 today!

  • Bad credit is OK to apply
  • Fast online decision
  • Safe and secure application
  • No hidden costs or fees
Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

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From £ 100 to £ 5000

To repay

Within 3 to 36 months
Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Get a loan up to £5,000

Do you have poor credit history but need money fast? You might need to consider a small loan for bad credit. We search over 20 lenders in just a few minutes, saving you time. Our loans range from £100 up to £5,000. Apply now and get an instant decision!


Loans for bad credit

There are many different types of loans for bad credit and here we explain some of the most popular choices. If you have a low credit score, we may still be able to help you.

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No guarantor loans

No guarantor loans are loans designed for people who do not wish to have a guarantor when they take out their loan. We can help you learn more and explore potential options.

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Poor credit loans

Have a poor credit record? Consider a loan designed for when you struggle to get standard credit products. When repaying in full and on time you can build up your credit score.

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Why choose Bonsai Finance loans?

If you don’t want to risk collateral with a secured loan. Bonsai Finance loans do not require any kind of collateral!

We know that when you apply for a loan with us, you want to get the money fast. That’s why you will automatically get an instant decision. You can easily apply for online loans for poor credit and get instant decision, same day funding.

We offer loans to those with a less than perfect credit score.
We don´t charge you a fee to consider your application.
We'll give you a conditional decision in minutes.

What are my alternatives if I have poor credit?

If you need a loan quickly, and you’re worried about your poor credit score, online loans are not the only option available. Here are some other types of loans you can apply for:

Personal loans – obtainable from banks, have a lower price range but may be harder to get approved for.

Guarantor loans – much easier to get approved for and are cheaper, but the process is a bit longer and more tedious.

Secured loans – similar to guarantor loans, these are cheaper and easier to get approved for with bad credit but the risks are higher in cases of default.

We always encourage you to explore all your options. Explore what we can do for you »

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