Step 1:

  • Borrow from £500 to £25,000 over 1 to 5 years.
  • Rates from 6.4% to 299% APR.
  • Designed to suit all credit types.
  • Fast Application Process
  • Decision in minutes.
  • Friendly staff dedicated to helping you.


Representative Example: Annual Interest Rate (fixed) is 35.7% p.a. with a Representative APR of 35.7% based on borrowing £12,500 and repaying over 60 monthly repayments. Monthly repayments £411.50 with the total amount repayable £24,690. and the total interest payable will be £12,190.

Loans For Bad Credit

Whether you’ve had a perfect track record with credit or have hit a few bumps along the way, Opal Loans can help you find the finance you need.

We specialise in providing loans for people with bad credit, so why not give us a try to see if we can help? Applying through us is simple, you just fill in our form and within minutes we will be in touch to help finalise your application.

Opal Loans is a loan broker, not a lender. We manually match you to the best offer available on the market based on your existing circumstances. We don’t charge you any fees, our lenders pay us a commission should you complete the loan with the lender.

An Accessible Alternative Loan

Bad credit should not beat you down. The finance you need is at hand, even if you have suffered from a poor credit rating in the past. We know full well the frustration that you can experience when your credit rating gets in the way of the money you need to live; it’s why we’re here to help.

By taking a loan with any of Opal’s lenders, you may receive the finance when it’s needed most. Our broker system means when people need a loan at critical times in life, whoever they are, they can get the assistance from us.

Who Do We Lend a Hand To?

We evaluate every application separately, with special understanding given to those who have experienced difficulty with their credit in the past. By being loan brokers, we may be able to assist those with bad credit, as Opal’s service is different. With most loans, a poor credit rating is prohibitive; with Opal, it’s something we understand.

While we are happy to receive your application, we will always recommend to our applicants that they do their best to improve their credit score. Understanding your current payment obligations and crafting a responsible plan to have them managed in time will develop your financial responsibility and budgeting power, ensuring a future for you where your money works effectively for you.

We all have goals in life; money is important for many of them. Improving your credit rating can aid you in adult life, whether your current priorities are raising a family, renovating a property or any of the hundreds of tasks faced by people across the United Kingdom every week.

We look forward to your application, which will be carefully reviewed with consideration of your credit history as we will only match your application to the lenders that you meet criteria with and our aim is to help your situation. Apply now to begin your application process and receive a swift response from one of our friendly consultants to assist in acquiring the finance you need.

  • You must be 18 or over to apply with us.
  • You must be earning £800 per month or more.
  • You must be a UK Resident.
  • You must be employed.