WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk/en.

Commitment to Ethical Lending Practices

At BadCredit.co.uk, we are dedicated to providing our customers with a responsible and transparent service throughout their experience with us.

To ensure this, we want to emphasise that our service is completely free of charge, with no hidden fees. Additionally, we do not encourage individuals facing financial challenges to use our website or apply for loans that may not be suitable for their needs.

For instance, we would not recommend a payday loan for someone who needs to borrow a sum of money to be repaid over 12 months or more.

Opting for a short-term loan agreement is not a suitable solution for long-term borrowing, as it can be costly and unsustainable over extended periods. If you are experiencing financial difficulties, any form of credit is likely to be unsuitable. BadCredit.co.uk adheres to all relevant regulatory practices and legal guidelines to maintain compliance, with pertinent information accessible on our website’s homepage (refer to Terms and Conditions and Privacy Policy).

We kindly request that anyone considering applying for credit through our website carefully assess the repayment cost and ensure they can fulfill the repayment obligation in full and on time, thereby avoiding additional fees or penalties.

If you are facing financial hardship or require guidance on managing existing arrears, we encourage you to seek assistance from the Citizens Advice Bureau: