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Less than perfect credit?
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Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


Marketing Contact preferences - putting you in control:

We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Marketing Contact preferences - Our partners:

We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.


Bad Credit Loans

Bad Credit Loans from a Direct Lender

Need a loan with Bad Credit? If you’re concerned that your credit score or rating means you might miss out on getting an affordable loan, many people are in similar positions and we do our best to help our customers get the loan that’s right for them.

Need A Loan with Bad Credit?


What are Bad Credit Loans?

A bad credit loan is another name for a personal loan that is suitable for customers who have what is considered to be a bad credit score or poor credit history.

A credit score is a three-digit number calculated based on your credit report and is used by lenders to determine if an individual is eligible for credit. It can be affected by a number of factors such as missing or late payments, borrowing history, previous credit applications and public court records which record County Court Judgements (CCJs) or past bankruptcy.

People with a poor or bad credit rating may struggle to find a suitable loan, but by applying for a bad credit loan with a direct lender like Progressive Money could mean you find the loan you’re looking for, as we look don’t make our decision to lend based solely on your credit score or history. We look at a range of information and take time to understand individual’s current circumstances so we may offer a bad credit loan to those who have missed payments in the past or have had previous financial difficulties.

To view your credit file, you can contact one of the three main credit reference agencies (Experian, Equifax and TransUnion) so you know what your credit rating is. If your credit score needs improvement there are some things you can do to demonstrate good financial behaviour to lenders. Paying your bills on time, registering on the electoral register and getting your name off any old billing accounts you shared with ex-housemates or former partners may all contribute to improving your score.

Understanding Bad Credit Loans

We’ve heard from many people who have missed occasional mortgage repayments, credit card payments or phone bills – which might have had an adverse effect on their credit score and subsequent loan applications.

We know how frustrating it can feel, because there’s more to your situation than what a computer screen tells us. That’s why we’re committed to helping people with a poor credit history find a loan agreement that works for them, by looking at their whole financial position.

Our friendly and helpful team of expert advisors are on-hand for everything from your first discussion, right through until the moment the money goes into your account. If you are using a loan to consolidate debt, we will pay the creditors direct.

Personal Loans for Bad Credit

If you have a poor credit history, then it can sometimes prove difficult to be accepted for a loan by certain lenders. However, as a specialist direct lender we may be able to offer you a personal loan, even if you have a poor credit history.

At Progressive Money, we may be able to offer you a personal loan for bad credit where you can borrow from £1,000 up to £15,000. We also offer a loan repayment period ranging from 18 months up to 10 years.

If you’re looking to apply or talk through your options for a bad credit personal loan, get in touch with our expert advisors today on 0161 814 9383 – our friendly team will be more than happy to help.

Credit History

There are advantages to our bad credit loans. Other lenders may hesitate to accept your loan application if you have County Court Judgements (CCJ’s), a bad credit score or a lack of credit history. However, when you apply to Progressive Money we may be able to offer you a bad credit loan as we take into consideration more than just your credit score.

Your credit history is a record detailing what you have borrowed and what you’re paying back over the past six years. It can demonstrate to lenders how reliant you are at paying money back on time. There are measures you can take to gradually improve your circumstances and credit score. See our 8 tips on how you could improve your credit score.

Applying for a Bad Credit Loan

Lots of people find they are in need of a loan but have a poor credit score. Progressive Money may be able to help. We offer loans for people with bad credit and complete transparency when it comes to the loan duration, fees and charges.

A direct lender of bad credit loans, we take a range of factors into account, including your current financial situation, when coming to a final decision. Our expert advisors don’t rely solely on automated credit checks – we look at the whole picture, taking you and your individual circumstances into account. This approach sets us apart from other lenders, and has already allowed us to help thousands of people get the help they need.

We might be able to help, as long as you are:

  • Aged 18-70*
  • A homeowner
  • Employed or self-employed
  • Living in England, Scotland or Wales
  • Able to afford monthly repayments from your regular income.

To get started, either use our quick and simple loan calculator at the top of this page to give you an indication of your monthly repayments or call our expert advisors on 0161 814 9383 today, who can help and offer any further advice you may need.

We specialise in loans for people who may have been declined credit in the past.
We always take the time to fully understand the needs and circumstances of every customer.
We are the direct lender for all our loans, so you know we have complete control over what we loan you.
What our customers say...
4-5/5of customers are happy with our service
"Fantastic, quick service and excellent customer service. Would recommend totally."29/01/2019
"Very helpful on the phone, didn't get passed through to all different departments."25/01/2019
"Very effective and straightforward."24/01/2019

No Guarantor Loans

A no guarantor loan is a type of personal loan that does not need to be undersigned by someone else. A guarantor can help you get a loan by promising to take on the payments if you can’t make them. But with a no guarantor loan, you don’t need to ask someone else to take on that responsibility.

Read more

Debt Consolidation Loans

If you’re struggling to keep up with payments on a number of debts, a debt consolidation loan lets you borrow money to merge them into a single monthly repayment. It helps reduce the number of monthly outgoings and means you can get a better handle on your finances.

Read more
I want to borrow £

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Don't leave just yet!

Progressive Money is an Award Winning UK finance company with thousands of happy customers!

Award Winning

Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

0161 814 9283

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