What is a bad credit loan?

Many lenders can't offer a loan to people who have 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 payday loan, credit card, mortgage or various other credit agreements. You might also have a high level of existing credit outstanding 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 offer suitable same-day loans for bad credit to help our customers. Our no guarantor bad credit loans may be available to you, even if you have a poor credit score or are currently recorded as having other existing finance arrangements in place.

Direct lenders for bad credit

We are direct lenders of short term loans for bad credit. This means we lend the money to you ourselves - there’s no middlemen involved at all. Applying for a bad credit loan with buffa is a simple, straightforward process; we examine each application individually, so if there is something we can do to offer our applicants a loan, we will.

We are direct lenders for bad credit and that means we have a duty to look after our customers. Whilst we are always here to help in any way we can, we always advise that anyone with poor or impaired credit should check and be certain that they can and are likely to 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, so always check the affordability of your loan first. We also offer free financial guidance and support to any of our customers who need it.

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

A quick loan for bad credit could be suitable for people who have been unfortunate with their credit arrangements in the past, resulting in them having a bad credit rating/history, but who are now in a more stable position and more likely to manage their financial commitments successfully. If an unexpected bill or expense arises and needs paying, but payday is still a while away, our direct loans for bad credit could help.

How to get a same day loan with bad credit

Why choose buffa as your poor credit loans direct lender?

Bad credit loan instant decision

Our instant loans for bad credit mean we won’t leave you waiting to find out whether you qualify for a personal loan from us. You'll get an instant indicative decision to your request to advise whether we accept, reject or need to conduct further checks relating to your application. So, you'll immediately see whether you’ve been successful or unsuccessful.

No impact on your credit score

Complete your direct loan for bad credit application safe in the knowledge that applying will not impact your credit history. We’ll give you an initial indicative decision with absolutely no obligation on your part to continue, and with no impact on your credit score.

Transparency with no hidden fees

We pride ourselves on being upfront and honest about our same-day loans for bad credit, 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 short term loan arrangement fees and no hidden charges. Ever.

Flexible repayment options

Because our quick loans for bad credit are fully flexible and designed to suit your individual circumstances, you can repay one 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 are direct lenders for bad credit and we strongly believe that no one 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 personal loan, regardless of your credit history.

Money paid in minutes

Need your emergency loan for bad credit in a hurry? Once you apply and if you are approved, you’ll see the funds in your account within a matter of minutes. No delays, just quick and simple access to your money.

Need help with poor credit loans from a direct lender?

If you’re looking for direct lenders for poor credit, look no further than buffa. We’re here to help you access the funds you need, quickly and easily, in the form of our instant loans for bad credit. Need some help completing your application? Speak to our friendly UK team today. They’ll be happy to talk to you.

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