If you’ve been turned down for a loan in the past because of a bad credit rating, at buffa we may still be able to help by lending you the money you need.

What Is A Bad Credit Loan?

Many loan providers can't offer a loan to someone who has a bad credit rating as they consider the risk to be too high. You might have a bad credit rating due to previous missed repayments on a loan, credit card, mortgage or various other credit agreements. You might also have a high level of existing credit in your name which could affect your ability to get access to another form of finance at that time.

At buffa, we strive to do everything we can to help our customers, so our bad credit loans may be available to you even if you have a bad credit score or are currently recorded as having other existing finance arrangements in place.

If you have regular income and a bank account in your own name, you could still be approved. And you can learn more about our loan approval process and how our loans work here here.

Whilst we are always here to help our customers in any way we can, we always advise that anyone with bad or impaired credit should be certain that they can make the required repayments before they accept any offer to take out a loan. If subsequent future loan repayments are missed, this can further negatively impact your credit rating. We also offer free financial advice and support to any of our customers who need it.

A bad credit loan is ideal for someone who has been unfortunate with their credit arrangements in the past, resulting in them having a bad credit rating, but who is now in a more stable position to manage their financial commitments. If an unexpected bill or expense arises and needs paying straight away, our bad credit loans could help.

How To Get A Loan With Bad Credit

Why Choose buffa?

Loan Decision Instantly

We won’t leave you waiting to find out whether you qualify for a loan from us. Get an instant indicative decision to advise whether we accept, reject or need to conduct further checks relating to your application.

No Impact on your Credit Score

Complete your buffa loan application safe in the knowledge that it will not impact your credit score. We’ll give you an initial decision with absolutely no obligation on your part.

Transparency with No Hidden Fees

We pride ourselves on being upfront and honest about our loans, so you’ll know exactly what you’re expected to pay back and by when before you agree to take the loan. When we say no fees, we mean it. No late repayment fees, no loan arrangement fees and no hidden charges. Ever.

Flexible Repayment Options

Because our loans are fully flexible and designed to suit your individual circumstances, you can repay at any time. So, if you want to make early repayments or overpayments against your loan to make savings on the overall interest charges, that’s just fine. Or if you prefer the certainty of knowing how much you need to repay each time, on a fixed repayment date each month, that’s just fine too. It’s your loan so you can repay your way.

Bad or Impaired Credit Considered

We strongly believe that nobody should be held back from leading their life by a bad or impaired credit history. We will consider all loan applications on their own merits and will always do our best to provide you with a loan, regardless of your credit history.

Money Paid in Minutes

Need your loan in a hurry? Once approved, money will be in your account within a matter of minutes. No delays, just quick and simple access to your money.


Need Help?

Need some help completing your buffa loan application? Speak to our friendly UK based team today

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