Borrow £100 to £15,000 even with a bad credit score

Sinch is a credit broker, not a lender. That means we help people with bad credit find loan options from our panel of trusted lenders. If you’re over 18, live in the UK, have a regular income, and a UK bank account, we may be able to match you with a lender willing to consider your application — even if your credit history isn’t perfect.

As a credit broker, Sinch does not carry out credit checks ourselves. However, when you apply, the lenders we work with may perform a credit check as part of their decision-making process. Some will carry out a soft search initially, which won’t affect your credit score, when formally applying lenders will carry out a full credit check if you choose to proceed with a loan offer. We’ll always make it clear who you’re being matched with before anything is finalised.

Sinch helps connect you with lenders who offer a range of loan amounts, typically from £100 up to £15,000. The amount you could be approved for depends on your individual circumstances, including your income, affordability, and the criteria set by the lender. We’ll show you options from our panel of lenders, so you can choose what works best for your needs and budget.

Yes – having a bad credit score doesn’t necessarily mean you can’t get a loan. At Sinch, we help people with poor or limited credit histories find loan options from our panel of lenders. Each lender has their own criteria, and some are willing to consider applications from those with less-than-perfect credit. Your ability to repay and overall affordability are just as important as your credit history.

No – using Sinch to find a loan is completely free. We don’t charge you any fees for our service, and there are no hidden costs. If you’re approved and decide to take out a loan, the lender will clearly outline any interest, fees, or charges before you commit. Transparency is important to us, so you’ll always know exactly what to expect before making a decision.

When you apply through Sinch, we don’t perform a credit check ourselves. However, the lenders we work with may carry out a soft search initially to assess your eligibility — this won’t impact your credit score. If you decide to proceed with a loan offer, the lender may then carry out a full (hard) credit check, which could appear on your credit report. You’ll always be made aware before this happens.

Yes – keeping your personal information secure is a top priority at Sinch. We use secure technology and follow strict data protection regulations to ensure your details are kept safe and confidential. We only share your information with trusted lenders or brokers in our panel to help match you with a suitable loan. We’ll never pass your data to anyone else without your permission.

Once you’ve been approved by a lender through Sinch and accepted their loan offer, the time it takes to receive the money can vary. Some lenders are able to transfer funds on the same day, while others may take one to two working days, depending on their processes and your bank. The lender will clearly explain the payout times before you agree to the loan.

Our goal is to ensure you receive the funds you need as quickly as possible while adhering to secure and reliable transfer methods.