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Your One Stop for Loans

It doesn’t matter what kind of financial situation you are in, what your credit is like or what your bank told you when you tried to get a loan from them. We have so many lending options available through lenders we broker for that just about everyone is eligible for some of these loans. Our lenders offer both personal and short term loans, ranging from just a few months’ duration up to 36 months. You can choose from small loans you pay back quickly to larger loans that take years to repay.
Your options are immense, when you choose Lendplex, and we make it easy for you to discover the one loan that fits your needs perfectly.

Blacklisted Loans that you can consider if you have been turned down elsewhere!

Life can be full of surprises and sometimes there are moments when we are simply incapable of dealing with a financial difficulty or opportunity without securing a loan. Nevertheless, qualifying for a loan and obtaining an approval decision for your funding request can be quite frustrating and futile to a point even, if you realize that you have been blacklisted especially if you applied from a bank or traditional lender.

Being caught up in an emergency financial situation and finding out that you are blacklisted after applying for a loan is certainly a combination of unfortunate events that nobody wants to experience. But this doesn’t mean that there are no longer solutions to your cash problems nor available loan options that you can consider in the UK today.

There are certainly effective steps that you can consider to improve your chances of securing blacklisted loans if you are blacklisted such as addressing areas of concern on your credit profile and looking outside the financial products offered by banks and other traditional lending institutions. The fact of the matter is you have choices and they come in the form of blacklisted loans and below you will know what the available options are and the other things that will help you make the right decision for you and your finances.

why choose blacklisted loans

Black listed loans: Making yourself more creditworthy

Before you search the lending market for blacklisted loans that you can urgently qualify for, it might be best to stop and think for a moment why your blacklisted loans application for a loan was denied in the past. Borrowers who have been blacklisted are typically those who have a problematic history of paying off debts and managing their finances.

For banks, credit unions, and other traditional lenders, these kinds of borrowers provide significant risk and have a high tendency to default from their blacklisted loans agreements which means lending them money would be the last thing that they would do for their business. So if you are blacklisted, you might want to look outside the traditional lending market and search for lenders that specialize in providing financing solutions to borrowers who have been blacklisted so you won’t waste your precious time and energy in applying for a loan that will reject you in the end.

If your blacklisted loans application was denied because of a low credit score or an inappropriate cash flow, this means that you need to trim down some of your existing debts and payment obligations and follow a more strict and effective budget. While most lenders who provide blacklisted loans will disregard your credit score and rating, they will always make sure that your current monthly earnings and outgoings is ideal to the loan’s agreed repayment terms and conditions before they approve your application.

The Blacklisted Loans that you can consider in the UK

The most important thing to bear in mind always is that there are black listed loans and lenders who can help you enjoy the funding that you need even though you have had previous problems with payments and defaults. In times when money is tight and there are important costs and emergency expenses that you need to cover right away, these 3 prime options can help you raise money quickly:

  1. Payday Loans- The loans are short-term, unsecured forms of blacklisted loans that are designed to provide emergency funding anywhere from a hundred pounds to as much as two thousand. And because they are designed for emergency funding, anyone can easily qualify and get approved for a payday loan in the UK. In fact, most payday loan lenders will disregard your credit history and focus more on your ability to repay the loan on the agreed terms and conditions when evaluating your application.


  1. Guarantor Loans – If you are blacklisted, it would be extremely difficult to obtain a personal loan all by yourself. With that being said, you can include someone in your loan deal and apply for a guarantor loan to enjoy high approval chances despite your alarming credit history. That someone must be close to you and trust you to take out a loan with him or her as a guarantor. The guarantor basically guarantees that the loan will be paid back as in the event that you default from it, the person will be responsible to take over the repayments until the debt is cleared.


  1. Logbook Loans – The loans are secured on your vehicle which means you will need to have a car, van, motorcycle, or truck to qualify. The blacklisted loans are secured types of loans and you will need to offer some sort of asset as collateral to your loan agreement; in this case your vehicle. Generally, different lenders in the UK will allow you to borrow more than half of the value of your vehicle and pay the loan back in several years. You get to keep driving your car too so long as you manage to stick to your repayments.

Look for the right blacklisted loans lender

Receiving that painful rejection response from a blacklisted loans lender with regards to your loan application or uncovering the inconvenient truth that you are blacklisted can be tough realities to swallow. But instead of lamenting on your miserable situation, take the necessary positive steps forward by:

  • Making the conscious effort to improve your credit score by paying off your debts and bills on time.
  • Minimize incurring debt and clear off outstanding credit accounts against your name as much as you can, in the best of your abilities.
  • Manage your finances wisely. Follow a sound budget that you can reasonably use to get your finances back on a sustainable level.
  • Never borrow money unless it’s extremely necessary. Loans should never be used for entertainment reasons and for other unessential purposes.

In the end, taking out a loan is still incurring debt which means it needs to be avoided as much as possible especially if you are someone who has been blacklisted. However, there comes a time when you will need to secure extra funding no matter how hard you budget your finances. In these dire situations, blacklisted loans are options that you can consider to give you that much needed financial relief.

why choose blacklisted loans



Loan amount
£50 - £1,500
Loan term
2 - 6 Months
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Loan amount
£1,000 - £25,000
Loan term
1 - 5 Years
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How Much Do You Charge?

Lendplex charges nothing for its services. We have no payment options available on our website, as you may notice, because we never charge you. Additionally, you don’t have to pay the lenders extra just because we are bringing you and them together. Our services are completely free of charge.

How Long Do I Have to Repay the Loan?
The length of the loan depends on two factors- how big the loan is and what the lender’s terms are. Each lender has their own terms, and the larger the loan is, the longer you usually have to repay it. Interest rates may change as well based on loan length and the size of the loan.
Be sure you pay attention to the lending terms, as it is important to pay back the loan on time and in full. If you don’t, then you will have to pay additionally. How much extra you will have to pay will depend on each lender’s own terms.

Is It Easy to Be Approved for a Loan?
This is the biggest hurdle many people have to overcome when they want to get a loan- eligibility. Either they simply aren’t eligible or they fear they aren’t. Many people believe they would not be approved for a loan because they simply don’t have a lot of money to pay for a loan. What they may not realize is that with all the lending options our lenders have available, there is likely a loan or two that will fit just about anybody. You may be able to find one that you can pay very gradually on without a lot of interest and still get the full loan amount you are looking for. You won’t know until you try our loan matching service, though. It’s fast and simple, and you can find out in moments if you are eligible.

5 most recent personal loan reviews

Review of Genie Lending Ltd

I didn't expect that I would get a loan being that there was so many loan companies with so many requirements. When I tried Genie Lending, the process was swift, as soon as all my documents were sent to them. I am impressed and happy beyond words. It was such an easy process. Rates were quite high but that's expected for a bad credit loan. Thank you team Genie.

Review posted by Emmanuel Forsberg, Stafford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Clydesdale Bank

Very easy and very honest about what they offer and the rates are very good as well. Also the people I spoke to was very easy to talk to. Definitely would recommend to anyone in need of cash quick long or short term. Ps thanks Joseph

Review posted by Daniela Hyatt, Luton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Everyday Loans

My wife has very poor credit and was in urgent need of a new vehicle to get her too and from work. Luckily Everyday Loans agreed to give her a loan, which should start to build up her credit. The application was quick and easy (she did it on her phone over breakfast), and the money was sorted out within a couple of days. The interest rates seem very fair too considering the credit score.

Review posted by Gary Coombe, Glastonbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We source our reviews from TrustPilot to ensure authentic results.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances