Urgent Loans for Bad Credit

Not everyone has a spotless credit history. When you get turned down for more traditional financing options due to your less than perfect credit score, you may consider urgent loans for bad credit instead. These loans are built with flexibility in mind, giving you a chance to get the help you need now, while staying on top of your future finances.

Finding quotes via Tendo is simple and entirely online, with no upfront fees. As a loan broker rather than a direct lender, we can help all types of applicants with any type of credit scores find urgent loan quotes. Many of the lenders we work with aim to transfer funds quickly upon final approval. While same-day transfer is possible with some lenders, the exact time frame can vary depending on the individual lender's processes and the time the application is approved. Interest rates and terms vary depending on the lender and your personal circumstances.

How To Get an Urgent Loan

Tendo’s online process to find and compare quotes is simple. Urgent loans are designed to offer fast support for unexpected, short-term essential needs like emergency repairs or an urgent bill shortfall. They are not suitable for managing long-term debt or non-essential purchases.

Our aim is to help individuals who might not have access to traditional credit because of their past borrowing history. So, if you’ve had financial blips in the past, we could still help you find urgent loan quotes. What matters most is whether the loan is right for your current circumstances and whether you can afford to repay it safely and sustainably.

How Do Urgent Loans Work?

The process starts with a quick and secure online quote application, where you’ll tell us about your current income, your regular expenses and how much you’d like to borrow. There’s no need to submit mountains of paperwork or wait for days to find out if you qualify. Once you’ve submitted your information, we’ll use the details provided to match you with lenders.

If your application is successful, your loan agreement will be clearly laid out with the full terms and repayment schedule. You’ll know exactly what you’re borrowing, when you’ll repay it and how much it will cost in total. The lender will also conduct a credit check to ensure the loan is affordable for you and that they are lending responsibly. Once you’re happy and accept the offer, funds can often be transferred on the same day. To find out more, you can read our guide on how the lending process works.

Can I Apply for an Urgent Loan Today?

Yes, you can apply for an urgent loan right now. At Tendo, our platform is always available, so you don’t need to wait until the next working day or make time for an in-person appointment. You can get a quote easily, just enter some basic information and we’ll get to work matching you with lenders.

All we need is:

• Your employment or income details
• Your monthly spending
• How much you need to borrow
• Your contact and bank details (so we know where to send the funds if approved)

Once submitted, we’ll assess which lenders can offer loans that are affordable for you. While we can’t promise you’ll find urgent loan quotes, we always aim to provide fast decisions and efficient service.

Urgent Loans for Bad Credit

Having bad credit shouldn’t mean you're excluded from getting help in a time of need. At Tendo, we can help you find quotes for urgent loans for bad credit. Our panel of lenders look at the whole picture, including your income, spending habits and current financial obligations. There are a few basic requirements for an urgent loan:

• You must be 18 or over
• Be a UK resident
• Have a regular source of income (employment or self-employment)
• Have a UK bank account

You can also review our basic eligibility requirements to see if you qualify to apply.

What Types of Loans Are Available the Same Day?

As a loan broker, we work with lenders who offer a range of flexible borrowing options, depending on your needs and circumstances. These include:

• Short-Term Instalment Loans: Ideal for emergency costs, repaid over a few weeks or months.
• Urgent Cash Loans: For when you need money transferred as soon as possible.
• Fixed-Schedule Loans: With predictable repayment dates and clear total costs.

You choose how much to borrow and how long you need to repay. Lenders offer transparent terms so you’re never unsure about repayment costs or timeline.

Why Choose Tendo for an Urgent Loan if You Have a Bad Credit History?

Many lenders make promises they can’t deliver or charge inflated rates that make repayment nearly impossible. At Tendo, we work with lenders who do things differently. Here’s why our customers choose us when they need to find quotes for urgent loans for bad credit:

• Trusted Name: We and our lenders are FCA-authorised.
• Quick Decisions: Our efficient process gets you the help you need, fast.
• Straightforward Terms: No hidden fees or confusing jargon.
• Customer-First Approach: We treat every application with care and respect.

Borrowing money is a big decision. That’s why we make it easy to understand your quote options, and why we offer guidance and support along the way.

What to Do If You’re Struggling with Debt

Sometimes, the best support isn’t always another loan. If you’re overwhelmed with existing debts, it’s important to know that help is available. There are several free, impartial organisations in the UK that can help you get back on track:

• MoneyHelper: Offers budgeting tools and debt advice.
• Step Change: A charity that helps people create manageable repayment plans.
• National Debtline: Free, confidential advice and resources.

These organisations can help you find practical steps forward, whether that means consolidating your debts, freezing interest or simply creating a better budget.

Urgent Loans FAQs