Direct Lenders For Bad Credit

The One Stop Money Shop is an FCA trusted lender that can help you even if you have bad credit. We understand that not everyone has a perfect credit score, so we consider applications from people with all kinds of credit histories, including people with bad credit. You can borrow an amount between £400 and £2,500 with us.

You’ll work directly with our team when you apply for a loan. No middlemen are involved, making the process easier and more straightforward. Whether you’re looking for a loan suitable for people with bad credit or any other short-term loan solution, we are direct lenders who provide a first-class customer service experience from start to finish.

To apply, simply click the apply button above. It’s an online application that takes about 5 minutes to complete. After you submit your application, you’ll receive an instant decision on your screen. We consider everyone’s credit history, so even if you’ve been rejected before for loans in the past, don’t worry; we may still be able to assist you!

Once we do a few additional checks, we can transfer the approved loan amount directly to your bank account. Our goal is to process your loan on the same day you apply, ensuring you get the funds quickly. And the best part is, there are no fees for using our services, making us the perfect direct lender loans partner for urgent loans when you have bad credit

So, if you need a loan and have bad credit, feel free to apply with The One Stop Money Shop.

What Is A Direct Lender?

The One Stop Money Shop is a direct lender that offers a range of loans, including alternatives to payday loans. When you apply with us, we handle your application, and if it’s approved, we transfer the money to your bank account. You can feel confident knowing that one established company takes care of everything and keeps your information safe and secure.

We’ve been around since 2002 and have become one of the most well-known direct lenders in the UK. We are fully authorised by the Financial Conduct Authority and strongly believe in responsible lending and treating customers fairly. So, if you’re searching for a direct lender loan in the UK, The One Stop Money Shop is here to assist you.

Our entire application process is online, and you can apply using a computer, laptop, smartphone, or tablet as long as you have internet access. You can complete the application anytime, day or night, even on weekends. We always strive to process and fund your application as quickly as possible.

Why Apply With A Direct Lender?

There are many reasons why it’s better to apply with direct lenders instead of a broker. First, it’s safer and more secure. As a direct lender for people with bad credit, our website is protected with an SSL, which adds extra security to your data and information. We also take extraordinary measures to keep your info safe because we have a consumer credit licence and hold FCA authorisation. Rest assured that we do not share your information with other companies without your permission.

Another advantage is that there are no upfront fees for our services. When you apply with The One Stop Money Shop, we only charge interest when your loan is completed. Other benefits of choosing us include:

  • Quick application process

    Our application form is fast and easy to complete.

  • Instant decision

    if you apply before 3pm, you’ll receive a prompt decision.

  • Flexibility

    We offer flexible repayment options to suit your needs.

  • Supportive customer service

    Our customer service team is here to assist you throughout the process.


Apply Online in less than 5 minutes

Complete a quick Online Application in just 5 minutes for instant provisional approval.

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    Quick and Easy Application

  • ccj

    Bad Credit & CCJ loans considered

  • reliable

    Direct, Reliable Lender for over 18 years

  • montly-payments

    Flexible repayment terms

What Is The Criteria For Applying?

To be eligible to apply with The One Stop Money Shop, you’ll need to be a full-time UK resident and over 25 years of age. You’ll also need to meet the following basic criteria:

  • Employed full time or part time, and thus able to keep up with your repayments.

  • Have an active mobile phone and email address.

  • Have a UK based bank account.

After you complete your loan application, The One Stop Money Shop will ensure you can afford to repay the loan each month. We do this by checking your credit and comparing your income to your expenses. If the loan payments are too hard for you to manage, we might talk about adjusting the loan amount so it’s more suitable for you. Sometimes, we ask for proof of your job, like a payslip or a recent statement.

What are payday loan alternatives from direct lenders?

If you need to borrow a small amount of money, it is worthwhile considering an alternative to payday loans. Payday loans are loans you borrow for a short time and repay all at once, but there is a lot of controversy about these loans.

This is why we provide an alternative to payday loans. We offer short-term loans that allow you to spread the cost over several payments. So, if you’re searching for a direct lender in the UK who can help you at short notice, we can provide a short-term loan that suits your needs, even if you have bad credit.

Why Might You Need A Direct Lender for your loan?

You might need to borrow money when unexpected expenses pop up, like a broken boiler or urgent car repairs. With an emergency loan, you can get the funds you need and pay them back over a few months when you receive your salary.

It’s important to remember that short-term loans are not meant for long-term expenses or paying off other debts. If you’re having trouble with your finances, seeking help from organisations like StepChange or the Citizens Advice Bureau is a good idea. They can offer impartial advice and assist you in getting back on track.

Can I Get Approved With Bad Credit?

Are you worried about getting a loan with bad credit? Don’t worry; we can help! As a direct lender with a good track record in assisting people who have bad credit, we consider applications from people with bad credit scores.

So, even if you’ve had financial difficulties in the past, like being unable to pay your debts or having a County Court Judgement (CCJ) against you, we may still be able to assist you. You can find more information about CCJ loans on our website.

As a direct lender for a wide range of applicants, we strive to find a loan option that suits your needs, whether you need to borrow between £400 and £2,500. Even if your credit score is low, we’ll do our best to help you.

At The One Stop Money Shop, we don’t just focus on your credit history. We also consider your current financial situation, such as your employment and income. This gives us a better idea of whether you can repay your loan on time, which is more important than your loan history.

Loans for people with bad credit – We are direct lenders

We consider all credit histories and offer loans up to £2,500. You can repay the loan over six to twenty four months, which helps you spread out the repayment cost.

At The One Stop Money Shop, we know maintaining a good credit rating can be challenging. Life circumstances, like losing your job or needing extended leave, can cause you to fall behind on repayments and lower your credit score. Since these things are beyond your control, we focus more on your current situation than your credit history.

We are open to considering bad credit loans, and you can also take some simple steps to improve your credit score and increase your chances of approval. For example, closing unused cards and accounts and paying off older debts can improve your credit rating. Making your current monthly repayments on time also boosts your credit score.

Why Apply With The One Stop Money Shop?

At The One Stop Money Shop, you can borrow between £400 and £2,500 and choose to repay it over 6 – 24 months. The loan amount will be directly deposited into your bank account as a single payment. While we can’t guarantee an instant loan, we will try to transfer the funds to you as quickly as possible.

We offer a 100% online application process, and there are no fees for applying. We are the ideal lending partner for you. You can get the financial assistance you need with direct lenders like The One Stop Money Shop

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Useful guides

How do credit checks work?
How do repayments work?
How to improve your credit score
What to consider before your apply

Need Help?

We believe in providing transparent information so you can make informed decisions about your borrowing needs. If you have any questions or require further clarification regarding the cost of borrowing money online with us, our friendly team is always available to assist you.

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It takes less than 5 minutes, and you’ll get a fast loan decision. If approved, we can usually pay the money into your account the same day*. We’re a direct lender not a broker, so our loans don’t require any security to approve.

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