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.

Unsecured Loans From Opal

At Opal we help you by securing you access to finance through loans, even if you have bad credit history. We may have options which helps you find the money you need to get by, when you need it.

Even better, we don’t charge you anything for our service. That’s because Opal is a broker of loans and not a lender. What does that mean to you? It means we manually look through our network of connections with loan lenders to see what matches your current situation and credit history best, with an eye towards accepting your bad credit history. We receive a commission from the lender if you take up the loan offer so what this means is we no charge is applied to you when you use Opal.

Access Your Finance Now

We won’t let bad credit get in the way when you use Opal. We know that you need finance and we’re here to help, regardless of your previous credit history. At Opal we know how difficult or frustrating it can be at times when you need finance for an urgent situation. Sometimes loans are needed just to live and we exist to help those who need extra money the most.

Even better, we don’t charge you any money at all for using our convenient service. This is because, as brokers instead of lenders, we receive commissions from loan companies for every loan secured through the use of Opal. You receive a helpful service that gets you the finance you need, without having to pay any extra fee whatsoever. Can’t argue with that.

Who Can We Help?

We try to help just about everybody. We have a process for evaluating every single application. By your individual circumstances into consideration, Opal may be able to help you find the finance even if you have bad credit. Opal may be able to use our connections with lenders to secure you what you need, when you need it.

What we are clear on is our encouragement on improving your credit score. We inform our customers to review their full credit history using the many free services available. This is a beneficial practice, helping you grow in financial maturity as well as offering the opportunity to identify bad trends and habits in your spending that are holding you back from a good credit rating in the future.

Sometimes you need a helping hand. We know that at Opal; we embrace it. It’s our job to help you find the finance needed to continue with your life. Enquire now.

  • 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.