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10 minutes*
No fees.
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How can I get a fast loan with bad credit?

We can help you get access to quick cash, even if you had a poor credit score. This is because all the lenders in our panel aim to help people with poor credit scores get quick access to short-term loans.Therefore, if you are worried that your credit history may prevent you from getting a loan, we are confident that we can help you get the quick cash that you need.

With an incredible 92% acceptance rate, we will help you see which lenders and short-term loans are best for you. With the majority of these quick cash loans available online, you can now apply very quickly. Furthermore, because there are no lengthy interviews or inconvenient trips to a high-street branch, direct lenders can now process your application much more quickly. Once you have completed your online application, lenders will try to give you an instant decision. In addition, once approved, lenders will try to wire the money into your UK bank account in just 10 minutes*. This time may be extended depending on your own bank’s processing times and you are recommended asking your bank about this if time is a crucial factor.

Why Choose Xav Loans?

Adaptable loans from friendly people

Flexible Instalments
Over 3-24 months
Instant Offer
Borrow up to £2,500
No fees
No initial credit check**
No paperwork
Cash in 10 minutes*
All credit histories considered
UK based company
Get your loan quote

Not sure if you’ll be accepted? Try our Eligibility Check

What will my quick cash loan application be judged on?

In the past, the majority of quick cash loans for people with bad credit were judged simply on a person’s credit score. If the score was good, you were given the loan, however, if your score was bad, you were declined; often with no other options available to you. What made this situation even harder was that your credit score could be damaged in many different ways, many of which were hidden. As such, loans became a difficult and unrealistic option for many people. Thankfully, this situation is now changing for the better.

Many direct lenders now look past your credit score when assessing your suitability for a loan. This means they will look at other aspects of your life, such as whether you are in employment, how much you want to borrow, whether you are a homeowner and what your general monthly incomings and outgoings are. You, therefore, stand a much better chance of being approved as your application will be assessed much more fairly. By allowing you to see which lenders are most likely to approve your loan before you even apply, we can help you protect your credit score from further damage in the future.

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Eligibility Checker

In just a few clicks you'll know whether you'll be accepted
  • Only takes 2 minutes
  • No impact on your credit score
  • 100% no obligation
Eligibility Check