Rating based on 74 reviews

1Plus1 Loans


  • Bad credit loans up to £10,000
  • Low-interest starting from 47.8%
  • Repayment up to 60 months

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1Plus1 Loans homepage

Author 1Plus1 Loans. Screenshot of 1Plus1 Loans website. [Accessed September 7, 2021]

About 1Plus1 Loans

We have noticed that borrowing money at an affordable repayment price was difficult to find for those who needed it the most.

1Plus 1 loans offer a product that you don’t need to rely on just your credit score but also on the ability to make repayments without any problems or hardship for the duration of the loan.

A fair and responsible lender

We believe that all our customers should be treated fairly and responsibly. To make sure our loans are affordable for you before they are paid out. All our employees are hard workers to ensure that loans are paid out efficiently and as quickly as possible. Taking a common approach to borrowing that provides our financial product and service to a competitive price point.

Quick online loans

We make sure that all our online loans are granted to customers that can afford them and preventing any problems. We verify your income and expenditure. First, we will go through a verbal assessment with each customer and guarantor to make sure they have the available income to cover the repayments each month and to also have enough cash for unexpected emergencies that can happen in everyday life. 1Plus 1 loans have links to banks that can verify your income and expenditure without you having to provide payslips or bank statements that will cause the whole process to speed up.

1Plus1 Loans Services

Because we are brokers we can provide you with different sets of loans to make sure that you will the best services and product you deserve.

In our variety, we offer you home loan improvements, wedding loans, debt consolidation, car financing, guarantor loans, and even bad credit loans. With the help of our experts, we will be able to get you back on your financial track in no time.

Quick and easy services

We believe in quick and easy services providing our customers with only the best customer care. When you have bad credit then getting a guarantor loan is the best option for you. This type of loan you will need someone that you can trust, the guarantor needs to be a homeowner and have to have a good credit rating.

Bad credit loans

Bad credit might be a result of late repayments, defaults, no credit history or outstanding debt. Other lenders may have rejected you because of your credit rating score. Each lender has different criteria and for someone with impaired credit, a guarantor loan would be more suitable. To apply for this type of loan you would need a homeowner that trusts you enough to make all the repayments on time and to help you get your finances back on track. You can have a bad credit history which can hold you back on the finances you need.

1Plus1 Loans – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate from 47.8%
  • Loan Amount up to £10,000
  • Repayment 12 months to 60 months

Benefits of 1Plus1 Loans

  • A direct lender
  • Loans pay out fast
  • Apply online within minutes
  • Borrow with a guarantor

Bad credit loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Get a reliable bad credit loan at 1Plus1 Loans

Our company is a responsible lender and we will do everything to make sure you will be able to make the repayments to your loans.

1Plus 1 are committed to protecting your private details and will be kept confidential at all times. We make use of your details following this policy or if we are required to do so by law.

Confidentiality guaranteed 

Please read our policy carefully to make sure that you understand our views and practices regarding your details. We will be collecting your details to enter into a financial contract.

If you will be needing more information regarding our services you may send us an email or fill in our contact sheet on our platform which allows us to get in contact with you. We have a 24/7 platform and will get back to you as quickly as possible. If emailing is a bit difficult for you because of certain circumstances you can also write to our business address and if you like to know who is getting in contact with you can give us a call between Mondays to Fridays during office hours.

A user-friendly platform

You can have a look at some of our latest news and articles on our blog that is related to finances, money savings and all sorts of topics that might interest you. Remember to apply for a loan by us you need to be 18 years or older and need to be employed for at least 3 months. With our easy and user-friendly platform, you can apply in the comfort of your own home. Don’t wait another day to get that financial freedom you have been wanting for so long. Because of our wide variety, we will be able to help you with all types of loans to ease your needs.

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1Plus1 Loans is a trusted & reliable provider of bad credit loans

In our review, 1Plus1 Loans adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

1Plus1 Loans is a registered credit provider in the UK; FCA number 717767

Customer Reviews & Testimonials

October 2019

I haven’t received such friendly services for a long time. The consultant that was helping me was so friendly and I could tell he was enjoying his work. I know working with people 24/7 a day can’...

Charlie C
— Hartlepool —

June 2019

Very easy platform to use. I’m quite old and don’t know much about technology but this platform was so easy I would make use of 1Plus 1 loans again. I thought it would take me days to figure it o...

Ava M
— Eastfield —

1Plus1 Loans Contact

Physical Address

  • The Old Tannery Eastgate Accrington Lancashire England BB5 6PW United Kingdom
  • Get Directions

Opening Hours

  • not available