Compare Flexible UK Loans from £100 to £15,000
Badger Loans is a UK credit broker, not a lender. Complete one online application and we will compare it with our panel of lenders offering options for people with good or bad credit. Applying with Badger Loans takes around two minutes and carries no application fee.
- Borrow from £100 to £15,000
- Repay over 1 month to 5 years
- All credit histories considered
- No fees for applying — ever
All Badger Loans lending panel are direct lenders authorised by the FCA
Try our soft search technology. No hard footprint/searches on your credit file
Use our affordability calculator to check your budget
Compare Loan Options from Our UK Lender Panel
Whatever You Need, We’re Here to Help
Short Term Loans
Representative APR: 611.74%
Typical Loan: £100 to £1,500 | 3–9 months
- Designed for short-term needs
- Apply even with poor credit
- No guarantor needed
- Simple, fast application
Representative Example:
Borrow £1,200 over 12 months. Monthly payments: £158.25. Total repayment: £1,899. Interest rate: 135% p.a. (fixed). Representative APR: 305.25%. No hidden charges – all fees included.
Personal Loans
Representative APR: 49.9%
Typical Loan: £1,000 to £15,000 | 6-60 months
- Larger loan amounts available
- Long-term repayment flexibility
- Fair rates for fair credit
- No guarantor required
Representative Example:
Borrow £5,000 over 36 months. Fixed monthly repayments of £198.23. Total repayment: £7,136.28. Fixed rate: 29.9% p.a. Representative APR: 49.9%.
Bad Credit Loans
Representative APR: 305.25%
Typical Loan: £200 to £2,000 | Terms: 1–36 months
- Decision based on your current situation
- No guarantor needed
- Simple application,clear terms
- Here to help, not judge
Representative Example:
Borrow £1,200 over 12 months. Monthly repayments of £158.25. Total repayable: £1,899. Fixed interest rate: 135% p.a. Representative APR: 305.25%. All fees included.
Badger Loans: One Application, Multiple Loan Options
Badger Loans is a credit broker, not a lender. We use one online application to compare your details with a panel of UK lenders, each with its own acceptance criteria, rates and available terms. Depending on what you need, explore our Personal Loans, Short Term Loans, Payday Loans and Bad Credit Loans pages before applying.
You can apply to borrow from £100 to £15,000 over 1 to 60 months, although the amount, rate and term offered will depend on the lender’s checks and your circumstances. Loans may be used for costs such as home or car repairs, essential purchases or consolidating existing borrowing. Use our Budget Calculator to consider what monthly repayment could fit your budget. When you are ready, complete one application and we will check for available responses from our lender panel.
We have tried to make the online application process as simple as possible. All you need to do is click on the ‘apply now’ button to be taken to our form which can be completed in 2-3 minutes. You will then get a decision on screen. This could take up to 5 minutes, so please sit tight or you could miss your offer! Subject to any further checks, you can usually receive funds in your bank account either on the same day, occasionally within 1 hour but most likely the next working day. All credit is subject to you being a UK resident, aged 18 or over and your personal circumstances being as described by you on the application form. All lenders operate responsible lending policies and all credit is subject to affordability. Our Eligibility Criteria: Over 18 years of age, UK resident, Employed (full-time or part-time), Able to afford monthly repayments. CCJs and bad credit considered, Subject to status.
the badger loans application process
Apply Online
We have a variety of loans available for you from £100 up to £15,000. Our loans are for both good and bad credit and can be taken up by you if you are employed or self-employed. Please be over 18, have at least a part-time job and be able to afford the repayments.
we search lenders
All you need do is decide how much you want and for how long then go to the section marked Apply Now, fill out the form, press submit and sit back. We will now find you a deal where you pay the least interest over the term of the loan. A ‘no footprint’ soft search will be done against you.
await decision
That’s it, you’ve done your bit now leave the rest up to us. If a lender wants more info you will be notified immediately with a screen on your phone or laptop telling you what to do next. Remember, no reputable lender will EVER ask you for an up front payment of any kind. Ever.
If accepted receive loan
If your bank or building society accepts Faster Payments you could have your money inside a few hours. Realistically you are more likely to receive your loan within 1 working day. Sometimes lenders will want to make a few more checks with you before they release monies.
What Real Customers Say
see why people choose us when they need a fast, flexible loan.
Why Apply For An Unsecured Loan with Badger Loans?
- Amount between £100-£15,000
- Term from 1 month to 5 years
- You need an Unsecured Loan
- Good or Bad Credit
- No Guarantor Required
Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 60 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).
Your Guide to the Most Popular Loans in the UK
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Bad credit loans in the UK
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Payday Loans UK For Good and Bad Credit
Struggling to get approved for a loan?
Don’t Give Up Just Yet....
Ian Sims’ newly released second book in a three-part series explains what lenders really look for, why applications get declined, and what can improve your chances of approval. It’s a practical guide for anyone navigating bad credit, missed payments, or recent declines.
Still looking for answers?
FAQ's
1. What happens to my application after I press “Submit”?
Once you submit your application, Badger Loans sends your details securely to our lending panel (also known as the pingtree). This allows up to 50 FCA-authorised lenders to review your application in real time and decide whether they can offer you a loan. Because multiple lenders may assess your details, you should be prepared to receive offers — sometimes on the same day and sometimes afterwards. If you do not wish to receive follow-up communication, you can unsubscribe from each lender’s messages or block unwanted contacts. This is a normal part of the loan-matching process and is the only way we can find you the most suitable offer.
2. Why do I hear from different lenders after applying?
Badger Loans is a credit broker, not a direct lender. Our job is to match your application with a wide panel of trusted, FCA-regulated lenders so you have the best chance of finding a loan that fits your situation. Each lender has its own criteria, so more than one may reach out with a decision, offer or request for further information. This is completely standard and part of how UK loan brokerages work. If you only wish to proceed with one lender, simply ignore or unsubscribe from the others.
3. Will applying for a loan affect my credit score?
No — the initial checks performed when you apply through Badger Loans are soft searches, meaning they do not affect your credit score and are not visible to other lenders. If you choose to proceed with a lender and complete their full application, that lender may run a hard credit search, which can appear on your credit file. You’ll always be told before this happens.
4. Is Badger Loans authorised and regulated?
Yes. Badger Loans is authorised and regulated by the Financial Conduct Authority (FCA) FRN 747140 for credit broking. We do not charge you fees, we do not offer loans ourselves and we only work with legitimate UK lenders that follow strict FCA rules. Your application is handled securely and your information is only used for the purpose of matching you with a suitable loan.