Personal Loans

Instant Decision
60 Second Application
From £1,000 to £20,000
Rates Are From 4.7% to 278%
3 to 36 Month Repayment Options

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Short Term Loans

Online Decision
Apply For Up To £999
Responsible Lenders
3 to 12 Month Repayments
Loan Rates Starting At 278%

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See Representative Example for a 3-month term. Representative Total Amount of Credit: £400. Duration of the Agreement: 90 days Total Amount Repayable: £561.92 to be repaid in 3 equal instalments of £187.31 on your next 3 payday. Interest charged is £161.92, interest rate is 161.9% per year (variable). Representative APR 305.9%. We are authorised and regulated by the FCA – Financial Conduct Authority. POUNDA IS A LICENSED CREDIT BROKER NOT A LENDER. Warning: Late repayment can cause you serious money problems. For help, go to

Home » Bad Credit – Main

Bad Credit Loans

It has become a common issue in the modern world to end up with a bad credit score. As a result, there are so many cases where things haven’t quite gone to plan for people and they end up being lumped into a group that is regarded as having no financial future. For this reason, countless people end up in a position of poor credit through circumstances that may not even be there doing, some people have had a relationship end in an unpleasant way and ended up in debt as a result. Alternatively, others may have made poor choices financially at a younger age, or perhaps just had bad luck with an investment. With this in mind, we understand that a credit score isn’t the be all and end all of the financial world. 

In conclusion, we at Pounda understand that things aren’t always as black and white as many high-street banks consider them to be.

Thus if you have bad credit, regardless of the reason, then things aren’t necessarily over for your financial availability. With help from our expert team, who are dedicated to finding the very best lender to suit your needs, all you need to do is fill out our simple online form and the finance plan you’ve been seeking can be within your grasp.

Our Lenders

Looking for the right lender can be a long and painstakingly slow process. Having to do research on each one separately and note down everything that you find to compare at a later time. All in all, it is a process that no one wants to have to do, especially if you have a bad credit score and are likely to get refused by them. The whole ordeal can be very stressful when you are in need of cash.

When you apply through us, however, you gain access to only the most reputable lenders from across the UK. We work very closely with a network of over 40 different lenders to make sure that you can get a plan no matter what your history. Many of our lenders do not focus on the results of a credit score and instead look at your ability to repay from your current monthly income. What all this means is that by using our service to find your financial plan, we guarantee that you will save not only money on the best rates but also time itself.


The application process couldn’t be easier, simply click on the this Apply button to be transferred to our application page. The form will only take you around 2 minutes and is done entirely online so you don’t need to go anywhere. Once you have filled out our form, our team will work at breakneck speed to find the best lender for your requested plan.

Once you have been accepted for a plan we will pass your details over to the relevant lender and the money will usually be in your account within just 15 minutes. This means that you will spend less time applying and waiting for your money and instead you can get on with whatever it is that you need to do.