Access 30+ Direct Lenders
Bad Credit Considered

I would like to borrow… £500

and my email address is… *

Rates from 49.9% APR to 1335% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months.
Representative Example: £1,000 borrowed for 18 months. Repayment of £92.12. The total amount repayable is £1,658.16. Interest amounts to £658.16, an annual interest rate of 65.67% (fixed). Representative APR: 89.5% (variable)

*Same day payout is subject to lender approval and bank processing times. Not all applicants will receive funds the same day.

One simple search. 30+ FCA-regulated direct lenders. Bad credit considered. Instant decision, and same day payout possible.*

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FCA AuthorisedFRN: 1036139

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ICO RegisteredZA915065

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SSL Secured256-bit encryption

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30+ Direct LendersFCA-regulated panel

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Instant decisionSame day payout*

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Bad Credit OKAll histories considered

WHY USE LOAN WALLET

Access 30+ direct lenders in one place

	Loan Wallet	Going Direct
Applications needed	✓ Just one	One per lender
Lenders compared	✓ 30+ in one go	One at a time
Credit score impact	✓ No impact to check	Multiple hard searches
Bad credit accepted	✓ All histories considered	May reject upfront
Time to compare	✓ Under 2 minutes	Hours of research

HOW IT WORKS

Three steps to access direct lenders

Fill out a simple 2-minute application form

Tell us what you need

Choose your loan amount and share a few details. Takes just 2 minutes. Even with bad credit, you're welcome to apply.

We match you with direct lenders

Your application is compared against 30+ FCA-regulated direct lenders to find the best match for your circumstances.

Funds can land in your account the same day from a direct lender

Get your money

If approved by a direct lender, funds can land in your account the same day.*

Why thousands choose Loan Wallet to find direct lenders

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30+ direct lenders, one application

Instead of applying to each direct lender individually, submit one form and we match you with the most suitable ones from our entire panel.

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FCA regulated

Every direct lender on our panel is fully authorised and regulated by the Financial Conduct Authority. We're FCA regulated too (FRN: 1036139).

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Bad credit? No problem

Our direct lenders consider all credit histories: CCJs, defaults, and past credit issues don't automatically disqualify you.

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Instant decision from direct lenders

Get a decision in seconds. No waiting days for replies from multiple direct lenders. We do the comparison instantly.

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Free to use, no obligation

Checking which direct lenders can accept you costs nothing. We only receive a commission if you choose to proceed with a lender.

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Fast and mobile-friendly

Apply from your phone in under 2 minutes. No paperwork, no branch visits. Access direct lenders from anywhere.

BORROW RESPONSIBLY

What you should know before applying

We're a broker, not a direct lender

Loan Wallet is a credit broker authorised and regulated by the FCA (FRN: 1036139). We give you access to 30+ direct lenders on our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender, and you're under no obligation to accept.

Bad credit may affect your offer

While our direct lenders consider all credit histories, having bad credit may mean you're offered a higher APR or a smaller loan amount. Not all applicants will be approved. However, applying through Loan Wallet means you're matched with lenders most likely to accept your circumstances.

Missed payments affect your credit file

If you fail to make repayments on time, your direct lender will report this to credit reference agencies. This can negatively impact your credit score and make it harder to obtain credit in the future, including mortgages, mobile phone contracts, and car finance.

Additional charges may apply

Direct lenders may charge late payment fees or additional interest on missed repayments. In some cases, lenders may use Continuous Payment Authority (CPA) to attempt to collect payments from your account. Always read your loan agreement carefully before signing.

Free debt advice is available

If you're struggling with debt, free and impartial help is available from MoneyHelper, StepChange, and National Debtline. These organisations can help you understand your options without charging you anything.

Loan renewal and extension

Some direct lenders may offer to renew or extend your loan. While this can provide short-term breathing room, extending your loan term usually means paying more interest overall. Always consider whether you can afford the repayments before renewing.

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Bad credit considered. Free to check, no obligation

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Access 30+ Direct LendersBad Credit Considered