Small Loans for Bad Credit

£100 - £5,000 paid out in 20 minutes

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Representative Example: Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Warning: Late repayment can cause you serious money problems. For help, go to

Palma Violets Loans partners with lenders that support customers with bad credit. The amount you receive will generally depend on the loan provider and your credit history, but Palma Violets Loans makes it easy to apply for small loans from your home.

Getting Small Loans with Poor Credit Scores

Your credit score is impacted by a range of circumstances, some of which are hard to avoid or purely accidental. You might have a poor credit score because you forgot to pay a bill on time. You may have also inadvertently cancelled a direct debit or forgot to update credit card details, which caused you to pay a bill late. Even missing low value payments can impact your score over time.

Regardless of why your credit score might be low or poor, it is still possible for you to receive a small loan from trusted lenders. Even if you have bad credit, there are secure and reputable sources of small loans available from the network Palma Violets Loans connects customers with when they need funds. Not everyone is privileged with a great credit score, which is why we connect you with small loans products and services that might be right for you. We will match you with a short-term loan provider usually within a few minutes.

Small Loans of up to £5,000

Whether you need a small amount of money to help pay your monthly bills or deal with an emergency purchase or repair, there are several reasons why you might need a small loan. As the name suggests, small loans are generally in smaller amounts. Repayment periods will also be shorter compared to larger loans, which usually are offered with repayments spread out over several years. For small loans, lenders may offer funds with a one-time repayment option. In these cases, you will need to pay back your loan in a single instalment. Others may let you repay the loan over a period of a few weeks or months.

Whether you need £100 or £5,000, you should not assume that you are not eligible for quick loans. The trusted lenders Palma Violets Loans works will consider applications for small loans from customers with all credit histories. Even with a poor credit score, you may be eligible for a loan.

The specific amount will depend on eligibility criteria and terms set by each of the loan providers in our network. Our application and matching process is done entirely online, and you can apply at any time and from anywhere. We will match you quickly with potential lenders so you can get your small loan fast.

Apply for Small Loans Today

Our safe and secure website makes it easy and convenient for you to apply for small loans with our online application process. Our service offers you the most convenience and ease, avoiding trips to banks or other lenders. You will find out almost instantly whether you qualify for a small loan. Once we match you with potential lenders you can complete your application directly with the loan provider.

They will make the final decision. The entire process is online, and you will receive funds directly into your bank account if your application is approved by a lender. In many cases you can get same-day transfers and often on the same day you apply for a loan.

Compare Lenders

LenderRepresentative APRAvailable AmountsLoan Duration
Cash4unow1314%£150 to £10004 or 6 months
THL Direct1306.21%Up to £125Up to 3 months
QuidMarket1301%£300 to £1,5003-6 months
Ferratum1270%£300 to £70062 days to 4 months
Sunny1267%£100 to £2500 6, 7, 9 or 14 months


How does Palma Violets Loans work?

Palma Violets Loans is a broker with a network of lenders. We are not a lender and do not make credit decisions or directly offer loans. Instead, we match your application with lenders based on the information you share with us. In return, we receive a commission from the lender for advertising their products and services. At the same time, we do not directly endorse any lender, product or service.

Am I eligible for small loans?

Eligibility criteria depend on each lender. Palma Violets Loans does not set eligibility criteria or make decisions on eligibility for small loans. Generally, lenders in our network will require you to be at least 18 years of age, have a regular income source and live in the United Kingdom. You should also have a bank account where you can receive funds.

How soon will I receive my loan?

Your application will take a few minutes to complete and then Palma Violets Loans will run it through our network of lenders. This could take a few additional minutes. If your application is accepted, you will then be sent to the lender’s website to complete and sign their loan application. The time to process and transfer funds will vary depending on the individual lender, but in many cases, the process could take as little as a few hours.

How will I receive my funds?

The money will be transferred electronically to your bank account using the details you provide on your application.

What are the chances that my application will be approved?

There is no guarantee that your application will be accepted by a lender. You should also understand the terms being offered if you are approved to make sure they are suitable for your financial needs.

How much can I borrow?

Small loans of up to £5,000 are available from our network of lenders. The amount you can borrow will depend on what individual lenders are willing to approve and provide. Lenders we work with make the final decision and base this on different criteria, including whether you have a history of bad credit. Usually, lenders will not give you more money than they reasonably think you are able to pay back.

Can I avoid credit checks when applying?

Palma Violets Loans does not perform credit checks, although lenders we work with may. Typically, no reputable lender will approve small loans without doing some kind of credit check. This information helps inform decisions about the size of your small loan and any applicable terms.

Lenders we work with may perform ‘soft checks’ during the application process, meaning they check credit scores to determine your eligibility. This type of check does not impact your overall credit score. If you are approved and do accept a small loan, a full check of your credit profile is generally undertaken at that point.

Can I apply for other types of loans?

In addition to small loans, Palma Violets Loans can match you with other types of financing products including instalment loans that offer larger amounts.