**Warning**: Late repayment can cause you serious money problems. For help moneyhelper.org.uk | **Representative APR: 49.9.%** | CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a full authorised credit broker, not a lender.
Warning: Late repayment can cause you serious money problems. For help moneyhelper.org.uk

Adverse credit loans

Apply to borrow £100 to £5,000 today

3 to 36 month terms.

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Representative 49% APR.

Representative Example: £1200 borrowed for 18 months. Total amount repayable £1628.28 in 18 monthly instalments of £90.46. Total Interest £428.28. Interest Rate 49.9.% pa (variable). Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

What is an adverse credit loan?

‘Adverse Credit’ is a term used to describe a less-than-perfect record of repaying the credit that they have taken out. Any company that allows you to borrow money, reports back to credit reference agencies. When applying for credit, the company will perform a credit check and can see your credit history.

If you have made late payments, had a default or a CCJ, this will show on your credit file. Some lenders will not approve customers who need an adverse credit loan as they only approve customers with a good or excellent credit rating, however, our broker partner works with a panel of lenders who specialise in providing adverse credit loans.

Adverse credit loan questions:

Q1 – Can I get a loan with adverse credit?
Q2 – Am I guaranteed to be accepted?
Q3 – Will applying for a loan hurt my credit score?
Q4 – Are adverse credit loans expensive?

All lenders are different when it comes to the types of customers that they will accept for credit. Banks and Building Societies, for instance, have a very low threshold for risk, therefore will only offer customers with a good/excellent credit rating a loan. Many lenders in the UK though will now offer loans to customers who have experienced some adverse credit or who have a bad credit rating. Our broker works with many of these lenders and is in a position to be able to help a wide variety of customers.
As all direct lenders have their own criteria in terms of the bad credit ratings that they will accept, there is no such thing as a guaranteed loan. All lenders will assess the credit history of an applicant and also look at whether or not they can afford the repayments on the short term loan that they are applying for. Customers looking for an adverse credit loan will find it more difficult to be accepted.
Our broker partner works with a variety of lenders and brokers who specialise in finding customers with adverse credit a loan. Lenders such as banks will often hard credit score customers. This means a mark is made on your credit file that is visible to other lenders and reduce your credit score. Our partners use soft search technology which is not visible to other lenders, meaning you can search for the right loan for you without damaging your credit score.

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Are adverse credit loans expensive?

If you need an adverse credit loan it is clear that you will pay a higher interest rate than someone who has a perfect credit rating. This is because lenders will assess the level of risk you pose in paying the loan back. Loans for bad credit are available in the UK at various interest rates. CUJ Loans’ broker partner works with a large panel of direct lenders to make sure that you get the best adverse credit loan for your circumstances.

As all lenders are now authorised and regulated by The Financial Conduct Authority the maximum amount of interest that they can charge is 0.8% per day, this means that you will know that your loan is fully regulated and you are protected against lenders charging extortionate interest rates, even if you have adverse credit.

  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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Apply for £100 - £5,000 in 60 Seconds
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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