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Understanding Bad Credit Loans in UK

Applying for the loans requires some obligations to follow and credit score is indeed one of them. Lenders specifically do credit assessment to judge which borrowers are more sincere and which are risky to lend. Having a poor credit history often puts a blot on your financial creditworthiness. However, bad credit loans are purposefully proffered to these individuals, making surviving in tough situation a lot easier.

Mainstream lenders are strict on people with less-than-perfect credit scores, but the direct lenders in UK have shown interests to serve them financial assistance without making the approval procedure tricky. ExtraMile Finance, a true representative of direct lending, is indeed one of those online lenders where applying for loans has never been a cumbersome tasks.

ExtraMile Finance Mainstream Lenders
  • Borrow from £1000 to £15000
  • Everything performed online
  • Get easy cash advance with no documentation
  • Pre-approval with no credit check
  • Acceptance on very bad credit scores
  • Updated interest rates
  • Minimum borrowing limit
  • Physical appearance at lender’s office is mandatory
  • Hefty paperwork to obtain loans
  • Hard credit check
  • Least approval chance on very bad credit
  • High interest rates
A good credit score opens up maximum lending opportunities for the borrowers, but still no lender can give guarantee to it. In the same way, a poor credit score does not guarantee a loan rejection. We approve your loan application and bring approval on instant decision.

Features that make bad credit loans popular among borrowers:

  • Same day fund deposit
  • Online application with easy steps to follow
  • Absence of any hidden charges
  • Early approval through no credit check
  • Flexible borrowing norms

Loans for Bad Credit: For Personal & Business Uses

Responsible lending paves the way for many purposes to meet no matter they are for personal life or for your business. The loans for people with bad credit score are basically any purpose loans and you can use them to gain multiple benefits. Before approving your loan application, we do not ask for your purpose because our main concern is your positive approach towards the lending process where repayments can be done on-time.

Poor Credit Loans for Personal Uses: Business Purposes to Solve With Loans for Bad Credit:
  • Consolidate multiple existing debts
  • Enhancement in credit profile
  • Purchasing necessary gadgets or items
  • Dealing with urgent expenses
  • Cutting off education expenses
  • Purchasing new equipments
  • Expanding venture to other cities
  • Investing in new technology
  • Paying employees

Loan Products for People with Poor Financial History

The unevenness into the financial life of the people causes several grim consequences for them. A blemished credit report is one of those consequences that trapped many people living in the UK. Expecting too much from loan marketplace is obvious and private lenders in UK have done maximum into the favour of the borrowers. ExtraMile Finance is not an exception in this regard. In fact, not just one specialised deal, we have brought our other finance products for individuals carrying low credit score. Take a look here:

Can I Apply Loans with Very Bad Credit or CCJ?

Yes, of course. Possibility is always there to borrow funds through very bad credit loans with no guarantor from direct lender in UK. Not just that, but we have our lending doors open for people with CCJ (County Court Judgement). However, they may have to bring a guarantor and they should be employed at the time of submitting application.

What makes these loans necessary to apply?

We are well-prepared and well-committed to offer you the best deal on pre-approved bad credit loans in UK. Reviving your financial life is our main goal but for that, you need to apply and give us the opportunity to do so.


Q Can I get a bad credit loans if I am on benefits?

Yes, you can apply for bad credit loans with ExtraMile Finance even if you are on benefits. We will treat benefits as your income.

As a responsible lender, we will look over your income statement to see if you can afford to pay money back after meeting all of your expenses.

Q Can I call to apply for a bad credit loan?

No, we accept applications online. Go to, fill out the application form and get funds immediately after approval. The entire application procedure hardly takes half an hour because ExtraMile Finance does not ask for too much documents.

QI am self-employed. Can I apply for bad credit loans?

Yes, you can apply for bad credit loans if you are self-employed. Since you do not have consistent cash inflows, we will look over your income statement to determine your repayment capacity. If we feel that you can afford to borrow money, we will transfer funds to your account.

Q Can I pay out a bad credit loan early?

Yes, you can. ExtraMile Finances accepts payments before time. We do not charge prepayment penalty. Likewise, we also help you to extend the payment length if you struggle to pay off the loan provided you inform earlier than the due date.

Q How much can I get with CCJ Loans?

CCJ loans primarily fall into the category of small loans, and thus, you cannot expect substantial funding through them. You can borrow from £1000 to £3000 only to remove the judgement against your name by making timely repayments and fulfilling urgent financial needs.

Q How Much Time CCJ loans take?

Since CCJ loans are the short-term loans, the applying procedure does not take days or weeks to complete. You can apply and get the desired funding on the same day as the application submitted. The process will take hardly 15 minutes and the fund disbursal done within an hour.

Q What if I fail to repay CCJ loans on time?

It will be the worst condition if you do not repay the CCJ loans on time. You already have court’s judgement against your name because you have failed to make scheduled repayments. You cannot make such a mistake again. If you do so, no lender will able to allow you a loan.

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