Rating based on 18 reviews

Pounds to Pocket

Pounds to Pocket homepage
Author Pounds to Pocket. Screenshot of Pounds to Pocket website.
[Accessed March 26, 2020]

About Pounds to Pocket

Pounds to Pocket is one of The UK's leading lenders - we offer payday loans and short-term loans to UK residents for a variety of different backgrounds and lifestyles.

Over the years we have built strong relationships with industry players and have the ability to help people access the credit solutions that suit them the best - in one easy click.

Find a bad credit loan

We offer instant cash loans to people with bad credit - if you want to find lenders that are willing to ignore your poor credit and offer you the money you need at reasonable rates then Pounds to Pocket is the lender for you. Our services are simple, quick, and accurate and will help you find a bad credit loan in just minutes.

Easy online application

Pounds to Pocket has a very simple online loan application process that allows customers to access numerous loans in just one simple application.

We won't run a credit check before you've selected the right option for you and will offer you only the best deals that you are guaranteed to qualify for. If you're tired of hearing no, visit our website and be prepared for a big YES! 

Pounds to Pocket loans are not spinning lines of credit as that of credit cards, which implies we don't automatically replenish your loan once you have paid it up. If you require another loan in the future you can apply simply by logging in to your profile and you will automatically be approved for your bad credit cash loans.

Pounds to Pocket Services

Once your application has been approved, we will furnish you with a quote that you can decide to accept or decline.

The rates and fees charged by Pounds to Pocket are regulated by the National Credit Regulator - and we are a responsible, compliant lender. To find out more please visit our website.


Being completely compliant with the National Credit Regulator implies that we consider our obligations to our customers important.

To guarantee a smooth relationship, we encourage you to carefully consider your ability to repay your bad credit loan on time - this will avoid additional charges and will protect your credit score from taking a nasty dive. Always make sure you can afford the debt that you are applying for.

At Pounds to Pocket we do an electronic credit check which shows us your data from all the credit agencies. This is part of our commitment to being a responsible lender and making sure that we only lend money to people who can afford to make the necessary repayments.

What we look at

To determine the same-day loan sum you can manage, we consider your payslip, bank statements, and credit history to confirm your income and costs, guaranteeing you are not over-indebted. Once we've made sure you can afford to make the necessary repayments we will make you a loan offer. You can choose to accept this offer or decline it - it's entirely up to you.

Pounds to Pocket – Bad credit loan

  • Loan Type Bad credit loans

Benefits of Pounds to Pocket

  • BAD Credit Loans
  • PERSONAL Loans
  • QUICK Loans
  • CAR Loans

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 quick loans calculator is subject to our terms of use.

Pounds to Pocket’s bad credit loans are affordable

Your credit report is the primary tool that a lender will use to determine whether or not they’re willing to provide you with credit and how much interest they’re going to charge on that credit.

Missing payments on your credit card bills or failing to keep up with your mortgage payments will have a negative effect on your credit score and subsequently, mainstream lenders will be unwilling to loan you money. This is not to say that you cannot access from an alternative lender, Pounds to Pocket deals with many bad credit situations and is perfectly positioned to provide bad credit loans. Bad credit loans are simply loans that are supplied to people with a poor credit history. These loans can be both secured and unsecured such as in the case of Pounds to Pocket’s 6 to 12-month bad credit loans.

The finer details of Pounds to Pocket

Pounds to Pocket offers bad credit loans of between £200 and £2,000 that can be repaid in a convenient term of between 6 and 12 months. This flexibility in repayment coupled with our specialized knowledge and willingness to provide loans to people with bad credit make our credit solutions unique. Instead of basing our decision solely on your credit score like many mainstream lenders, Pounds to Pocket will consider your individual circumstances including the reasons that your credit history has been tainted and your monthly income. If we think that you can afford to make the repayments on your payday loan we will be willing to help you out.

Applying for a bad credit loan

Once you’ve decided that a bad credit loan from Pounds to Pocket is right for you and your circumstances you can visit our website and begin your online application. We will generally process your application in 10 minutes or less and provide you with a decision. Once you’ve accepted our offer we can credit the cash to your account in 10 minutes or less. Pounds to Pocket requires that you be 18 years or over, have a stable income that covers all your expenses, and allows for the repayment of the loan, proof of address, and your banking details among other basic information.

man holding thumbs up

Pounds to Pocket is a trusted & reliable provider of bad credit loans

In our review, Pounds to Pocket 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.

Pounds to Pocket is a registered credit provider in UK: FSA 673738

Customer Reviews & Testimonials

April 2019

At Pounds to Pocket relationships matter – you are more than a number in the system or a profit at the end of the month. They will take the time to get to know you to ensure that you get the fair...

Joanne L
— Bradford —

August 2019

Easy online applications are the future of finance for me. I despise standing in queues, filling out papers and being sent from person to person. This is why online is just so much better for me ...

Nikki G
— Derby —

Pounds to Pocket Contact

Physical Address

Opening Hours

  • not available