Apply for a loan online up to €500,000.

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All credit scores considered
Complete your application within 3 minutes
Money in your bank within 1 hour

Looking for bad credit loans? You have come to the right place!

You could get an instant loan decision online up to €500,000 today! The loan application options you can get via United Cash Loan are designed to make your life easier – sometimes you have an emergency and need that little bit of extra cash to get you by – we’re here to help. Apply via our website and you will be able to see we accept you for €1,000 to €500,000 loans (between 6 and 240 months). It’s possible to get your loan on the same day*.

Thousands of people in the Country have poor credit scores – and they can often feel that there are no options when they need to borrow money.

However, we are here to help! We specialise in providing loans to people with all types of credit scores. Once you submit your application we will run a creditworthiness check to see if we can fund you a loan.

Find out if we can fund your loan today! It’s free and the initial application stage won’t affect your credit score.

Complete your application online

Fill out an application in under 3 minutes, get an instant decision. You’ll be funded within just a few short hours of being approved.

Bad credit accepted by Payday bad credit

Fair rates for bad credit

We provide fair rates and free early repayment no matter your credit score.

1 application to compare bad credit loans

One application, many options

We are a premium direct lender that also offers a free brokerage service, with one application (and your consent) you can access our panel of over 40 UK lenders at once.

How do United Cash Loan works?

United Cash Loan is committed to provide you best loan experience. Since our inception, we strived for affordable, secured and dependable credit lending to ensure financial stability in the life of our prospective customers.

Unfortunately, conventional banks and lenders reject loans made by people who do not earn an income from regular sources. Many financial institutions require you to be employed and earn a steady income to get loan approval from them.

At United Cash Loan , we are here to provide loan assistance for all types of financial needs such as loans for Personal or loans needed for education expenses. Share your financial problems with us and we vow to provide you best possible solution in quick time.

The main features of our specialised bad credit loans:

The basic principle our underwriters ensure is that our loans are helpful and can help you get across the short term gap conveniently, regardless of your credit score. When you get approved for a bad credit loan with us, you get all the features below directly from us:

Quick Access to Funds: The ability to receive funds within an hour of approval is a significant factor, and our technology can get people with bad credit approved instantly.
Loan Amounts: Our bad credit loans offer up to €500,000 for 6-240 months.
Bad Credit Options: Even with bad credit, several options exist. Check repayment options and early repayment conditions and ensure you understand the loan terms and conditions.
Interest Rates and Fees: Loans for people with bad credit might be a tad more expensive. Always compare the APR for your specific loan and if there are any additional fees. Loan interest may be calculated in different ways.
Repayment Flexibility and Duration: We offer bad credit loans from 6 to 240 months and options for early repayment without penalties. Check other alternatives to see if they can provide you with the same.
Credit Impact: We use soft-credit checks to minimize the impact on your credit score.
Convenience and Ease of Application: We built a straightforward process to make it easy for our customers to apply.
Safety and Security: As a reliable direct lender, we invest a lot to keep your information safe and away from irregulated companies that may swamp you with calls and messages.
Affordability and Financial Assessment: Borrowers are always advised to consider their ability to repay the loan comfortably.

Can I get Unsecured loans on Bad Credit?

Yes, our mission is to provide good loans to people with bad credit. We offer affordable rates for all types of credit scores. We have made the repayment terms easy and flexible to give you the time you need to get back on your feet without having to take another loan to repay the first.

As a regulated lender, we will always perform a creditworthiness check before offering you a loan to ensure that funding you a loan won’t cause you serious money problems. If we see that you afford the repayments, we will happily consider your application no matter your credit score.

“Absolutely fantastic! The process was quick and easy, I would recommend United Cash Loan to anyone struggling to get quick finance. I am a very happy customer.” – Alna

Does applying for a loan impact my credit score?

If you have bad credit, you definitely want to be careful with which lenders you apply with, as some applications you make goes on your credit record.
Find out how our loans work below!

Apply for the amount of money you need on our website

You can apply for €1000 – €500,000. Remember, lower amounts will not increase your acceptance rate.

Get an instant loan decision

We will always give you an instant pre-approved lending decision no matter your credit score

Once approved, we will fund your loan within a few hours

Once approved, you will receive the money in your bank within a few hours.

Customers First Choice

We’ve already helped over 100,000 people in the Country to get the money they need fast.

We’ve helped thousands of people with bad credit get loans online already, so we know it’s possible!

FREQUENTLY ASKED QUESTIONS

Why do you provide only longer-term loans?

Our new and improved longer-term loans are more affordable and are much safer than payday loans for people with bad credit. You will be able to get back on your feet and even improve your credit score by making loan repayments over a longer-term, without falling into expensive borrowing loops. Now you can borrow between €1,000 and €500,000 and have 6 - 240 months to pay back.

How When will the money be in my account?

Once accepted, most loans are sent to your account on the same day. However, the time it takes to show in your account varies. It will depend on a variety of factors including the time of day that you make your application, and whether your bank accepts Faster Payments.

Can I repay my loan early?

Yes, you can repay your loan early at any time and save money on interest, free of charge. You can do this simply by logging into your account and paying your loan balance.

How can I improve my acceptance rate with bad credit?

If you have bad credit and keep getting declined for online loans, there are a few things you can do to immediately raise your chance of approval.

First of all, check to make sure that all the accounts on your credit report are being paid, even in part.
Second of all, see if you can raise your affordability by including other sources of income or reducing non-priority spending.
Lastly, make sure not to apply with mainstream lenders who are likely to decline you because of your bad credit. This is because every time you're declined, it will be marked on your credit file. Instead, apply only with lenders who specialise in bad credit, like United Cash Loan .

OUR PROMISE

We built this website to give people with inadequate credit access to more credit options with fair rates. As a direct lender, we will always try our best to fund you a loan that suits your need, regardless of how good or bad your credit is.

We want to make credit accessible to everyone, no matter their credit score!