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Long term loans for bad credit


  • See loans you’re pre-approved for before you apply


Representative  23.3% APR

MoneySupermarket is a credit broker not a lender. You must be 18 or over and a UK resident.

Why compare long-term bad credit loans with MoneySuperMarket?

  • It's quick and easy

    We’ll ask you a few simple questions about the type of loan you want and you can compare deals in minutes.

  • Your options are clear

    We’ll show you the key information of each deal, such as interest rate, monthly repayments and overall cost,

  • Better chance of being approved

    Our soft credit check won’t harm your credit score and it'll help you see the deals you’re most likely to get.


Can I get a long term loan with bad credit?

It may still be possible to get a long-term loan, even if your credit score is low. But you’re likely to find:  

  • You cannot borrow as much  

  • The interest rate will be higher  

  • There's less choice of loan deals

If you've struggled with debts in the past or you have a low credit score because you’ve not borrowed before, then specialist lenders are available. They offer a range of loans for bad credit. But expect interest rates to be high compared to standard loans. Another option to consider might be guarantor loans or secured loans


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Is it a good idea to get a long-term loan with bad credit?

Taking out a long-term loan with bad credit is not a decision to take lightly. There are pros and cons to consider. 

  • Tick


    • Spreading a loan over a long period can make monthly repayments more affordable

    • The right deal could help you consolidate other debts 

    • Repaying the loan responsibly shows you can handle credit and could improve your credit score

  • Cross


    • You might face high interest rates and not be able to borrow as much as you would like

    • A long-term loan usually means you’ll pay more interest overall - so it’s more expensive

    • If you cannot keep up with repayments you could further damage your credit rating. If your loan is secured your home could be at risk

With a pre-approved loan, the deal you see is the deal you get

When you apply for a loan, it’s not always clear what deal you’ll be offered or whether you’ll be accepted. But when you’re pre-approved for a loan, you know the deal you see is the deal you’ll get – you’ll know where you stand, with information that will help you make the right choice.

  • Apply with confidence

    When you’re pre-approved, the loan amount, duration and interest rate are all confirmed

  • Tailored to you

    When you know what you’ll be able to borrow and how much it will cost, you can choose a loan that’s right for you 

  • You’re in safe hands

    This helps protect your credit score as you're less likely to be rejected when you apply

How can I increase my credit score?

Increasing your credit rating can improve your chances of being accepted for a long-term loan and help you access more loan deals at better rates. Steps to boost your credit score include:  

  • Making sure you’re on the electoral roll 

  • Paying bills on time 

  • Not using all your available credit 

  • Checking your credit report for errors  

 Our guide gives you more ways you can increase your credit score

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How to apply for a long-term bad credit loan with MoneySuperMarket

We’re here to help find the right bad credit loan for you, tailoring the results to your specific situation

  • It won’t take long

    Tell us a little about yourself, your finances and what you’re looking for. For secured loans register yourself as a homeowner in the search.

  • We’ll browse the market

    We’ll compare deals from our leading panel of loan providers to find ones that suit you from across the market.

  • Compare loans

    You’ll be able to sort long term loans through overall cost and your chances of being accepted. Then you can click through to your chosen provider.

No, all reputable loan companies will run a credit check before deciding whether to approve your loan application and what rates to offer you. 

It will differ depending on the individual credit agency being used and the lender’s own criteria for approving a loan. MoneySuperMarket’s credit monitor service uses TransUnion where anything below around 550 would be considered a low credit score. You can find out more with our guide to bad credit scores

APR stands for annual percentage rate, and it essentially means the interest rate at which you’ll pay back the long term loan. It includes the main interest rate of the loan, but also takes any other fees and charges into account so you get a better picture of the loan’s overall cost.  

When you see a ‘Representative APR’ advertised on a loan, it means this rate must be offered to at least 51% of all applicants. You won’t be guaranteed to get this rate yourself, as this will be based on your personal circumstances and credit score

A soft search is a check on your finances to see your chances of getting a loan – without it affecting your credit report. The soft search should reveal loans that you’re likely to be accepted for, so when you complete the full application you’ve every chance of being successful. 

There are some simple steps you can take which can have a quick impact on your credit score. These include registering on the electoral roll and checking your credit file to see if there are any errors that can be corrected. Other ways to improve your credit score take longer, but can help you borrow at lower interest rates in the future. Our guide on how to improve your credit score should help. 

The most you can borrow will depend on your personal financial situation, your credit score and the policy of individual lenders. Generally, the better your credit score the more you’ll be able to borrow, but if you have a steady and reliable income and low overheads you might be able to borrow more even with a bad credit score. Specialist lenders are available who can offer loans to those with poor credit. 



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