How It Works | Find Out More

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We search up to 30 lenders for you. If accepted, wait for your money to appear in your bank account. That’s how it works.

Badger Loans is a loan matching service. We are brokers and not lenders.

This means you will not be entering into any credit agreements with us nor will we be providing you with any money. NOR will we be charging you ANY FEES. So, how do you apply and how do you get your loan?

Welcome to the How It Works section of Badger Loans. We have tried to make applying for an unsecured personal loan as simple as possible. Whether you have good credit or bad credit. All loans are the same to some degree. They differ only by length of term, amount of loan and interest rate. The first thing you need to do is decide if you need a short term loan like a Payday Loan or Instalment Loan or if you need a longer Personal Loan.

How Long is a Loan?

Short term high interest loans are for emergencies like broken boilers and failed MOTs while Personal Loans are for things like holidays, cars and white goods. Short term loans typically run from 3-12 months and you can borrow up to £1,000 while a Personal Loan whether for good or bad credit can run for up to 5 years and you could borrow up to £25,000 if you fit the criteria.

Ping Trees

We have partnered with Leadtree Global Ltd for Personal Loans, Instalment Loans, Payday Lenders and Short-Term Loans. They operate a ‘Ping-tree’ system where your details are submitted to a panel of lenders who review your application and make a lending decision in real time.

This means you will find out if you have been successful in your loan application within minutes and if all lending criteria are met to the satisfaction of the lender, funds could be in your bank account the same day, possibly within an hour if all criteria are met and your bank supports Faster Payments.

Carefully read all the terms and conditions of your loan offer. If you have any questions please contact the lender direct. Please do not contact us as we do not keep your information and cannot breach privacy rules. If you accept the loan offer your contract is between you and your lender. Remember we are acting as a broker not the lender. This is an information only website with the facility to apply for the loan through here.

badger loans application process

Why Apply For An Unsecured Loan with Badger Loans?

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  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need an Unsecured Loan
  • Good or Bad Credit
  • No Guarantor Required

Legal Information

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).

Badger Loans