Direct Lender Loans with an instant online decision
Get accepted for a bad credit loan today. Get an instant decision with no fees and no credit checks.^
Representative 79.5% APR. Warning: Late repayment can cause serious money problems. For help, please go to Moneyhelper
We are an authorised credit broker and not a lender.
Representative 79.5% APR
Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
Lendability is a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing
Apply for a loan with direct UK lenders today
Direct lenders are the companies that actually pay your loan into your bank account and they’re the company that you repay.
Here at Lendability we work with more than 40 direct lenders, including payday lenders, bad credit loan lenders and more.
Applying through Lendability to direct lenders means that you have a much better chance of getting your loan application accepted. We present your details to a panel of direct lenders and they return a decision with seconds.
Direct lenders are required to be registered and authorised by the Financial Conduct Authority in the UK and must display their credit license number on their website.
Loans from UK Direct Lenders
Is Lendability a direct payday lender?
No, we are an authorised credit broker. We work with a large panel of direct lenders.
Can I apply for a loan directly?
Of course, you can make applications directly to a lender on their website, however, it is quicker to make an application here where we search the whole market for you.
How do I know who is a direct lender?
Credit brokers such as us are required to disclose this on our websites. Direct lenders will often state that they are the lender prominently on their site.
Where can I check a lenders licence is real?
You can check on the FCA’s register here.
Ready to apply for a loan?
Guides & Articles
Take a look at a selection of our most popular guides and articles about personal finance and the loans that we offer.
How it works
We have worked hard to make the loan application process as simple as possible to ensure you get your loan when you need it.
APPLY ONLINE
This application is 100% safe and secure, your data is encrypted. Applying with Lendability will not affect your credit score.^
CHECK OFFERS
Wait for your loan results and check the loan terms and conditions. You must ensure it is affordable before accepting any offer.
GET FUNDS
Once you have signed your loan documents and the lender has made their final checks, your loan will be sent to your bank account.
^Lendability will not perform a credit check, lenders may complete a soft check when considering your application for a loan. If you accept a loan offer, the lender will perform a hard search which may be recorded on your credit report. Not all lenders are able to make same day payments and this may also depend on your bank.
Lendability does not charge its customers for using its credit broking services but we may receive a commission from lenders or other brokers if a customer accepts any credit related offer or enters a credit agreement through this website.
Lendability is a trading name of Warwick Financial Services Limited, a company registered in England and Wales with company number 09011092. Registered office: 4th Floor, 18 St Cross Street, London, EC1N 8UN. FCA Licence number 622839. ICO registration number ZA101793.