Bad credit loans - A much-awaited second chance

You are at CashFinancesOnline. You can now repair your credit score by getting the most relevant deals on bad credit loans in Ireland. You may have lost the first opportunity to recover your finances. Still, you deserve a second chance and already have this from us.

Do not worry about documentation, interest rates, repayments, or loan obligations. Sit and relax because we are flexible and do not impose anything on you. The procedure is paperless, and repayments are manageable to your monthly income. Our loan interest rates depend upon individual affordability.

We satisfy you with our loan features, with no hidden charges. You can get loans for bad credit in Ireland with us on the practical loan amount ranging from €1000 to €10000. You can borrow the amount for a maximum duration of 60 months. The starting term is 12 months.

Consider the points given below before deciding on the loan amount:-

  • Analyse your current needs
  • Know the repayment capacity of your monthly income
  • Opt for only an affordable amount
  • Keep an eye on your credit score too
car loan

What are legit loans for bad credit?

Many lenders will tell you about bad credit loans only. We take one step ahead by offering only legit loans for bad credit in Ireland. These are legitimate loans offered to those with poor credit issues. Legitimate because we provide only affordable loans that match your current income capacity, not past financial performance.

Only a few lenders in Ireland offer legit bad credit loans on instant decision. We have certain features that make instant loan acceptance possible for aspirants.

  • You can come to us directly

    Contacting a loan broker will only waste your time when you need quick funding access. Instead, you can approach us directly and save time. No broker’s fee will be involved, and we do not include hidden charges.
  • We do not require a guarantor

    We offer bad credit loans with no guarantor. You can apply alone and repay on your own responsibility. It will be good for your credit score improvement as well.
  • One-hour Loan Application Process

    You get instant loan decisions because we receive only online loan applications. It comprises simple steps that anyone can follow even from their smartphone:-
    • Select the loan term and amount
    • Fill out the online loan form
    • Receive a loan quote and give your consent
    • Get instant loan approval within 15 minutes

What benefits do I attain on a loan with bad credit?

Financial struggles will continue whether you have good credit or poor credit scores. Getting a loan with good credit is quite easier, but the difficulty comes when someone applies for a loan with bad credit in the Ireland marketplace.

Unlike other private lenders in Ireland, we are here to ease your loan stress by offering certain advantages. These are:-

No collateral: These are unsecured loans for bad credit people and do not demand any asset to pledge. It will be a risk-free option. Besides, you avail quick funding too.

Credit score improvement: These loans often come with flexible repayment terms. You can choose a term on which you feel comfortable repaying. Once you pay all instalments on time, a significant improvement can gradually show up in your credit score.

Top-up Loan Offer: Based on your current loan repayments, we will offer you a top-up loan to close it. You may get better interest rates, which is also good for your credit score.

Soft Credit Check: Each loan is subjected to the necessary credit check, which will be softer. We do so because our loans are primarily based on recent performance, not past mistakes. It will not put down any search footprint on your credit profile.

Approval of part-time income: People with bad credit scores often struggle with earning problems. They do not have to worry about us as we can approve their loan application on a part-time income.

How do loans for bad credit relate to no credit check?

Many people with bad credit issues are confused about whether to go for bad credit loans or choose loans in Ireland with no credit check. Both loan options are dedicated to those with less-than-perfect credit scores.

A bad credit loan is more a specified loan product we provide most legitimately. Loans without hard credit checks in Ireland require more effort from lenders and borrowers.

Bad Credit Loan

Soft or No Credit Check Loan

For people with lower credit scores For those with bad credit or who are first-time borrowers
A considerable loan duration Short loan term as compared to bad credit loan
Approval of recent financial capacity and circumstances Approval strictly comes when applicants are improving their credit scores significantly
Loans for every financial purpose The main loan objective is to enhance the credit record
Applicable especially for those under the bad credit category People with very poor credit scores can also apply


What score falls under the bad credit category?

If you have not been consistent in your regular payments, you should be extra careful while going for another loan. However, our loans do not affect your credit rating. Still, you should have all the knowledge of market trends.

We can tell what sort of credit score in Ireland you may have if you carry poor credit. We have taken the reference from Experian to describe it.

Credit Ratings

Credit Scores

Excellent 961-999
Good 881-960
Fair 721- 880
Bad* (You belong to this category) 561-720
Very Poor 0-560

Is it possible to get personal loans in Ireland with bad credit?

Yes. We have a dedicated deal on personal loans focusing on the financial backing of those with poor credit issues. However, you should be sincere in recent financial handling. You have the option of applying either for secured or getting unsecured personal loans. Both ways are helpful. If an asset is needed to back the loan amount, you can go for secured loans. Lower interest rates and higher amounts to borrow will be there for you. On the other hand, unsecured personal loans for bad credit are helpful during financial emergencies with no collateral needed.

What about varieties of personal loans for bad credit?

These personal loans for poor credit are indeed the specific financing option. We have converted them from ‘specific’ to ‘special’ by adding more varieties. Here they are:-

Car Loans: The time is to go for our car loans for bad credit and fulfil your dream. Get a loan for any car model or pay the down payment. We can assure you of competitive interest rates.

Small Business Loans: We take care of your business expenses as well. We know many start-ups have the issue of bad credit. We are open to offering small business loans for bad credit in Ireland.

Quick Loans: Our quick loans in Ireland for bad credit are helpful in multiple ways. These are ideal for financial emergencies, and you can repay them weekly or monthly.

Can I get low-interest rates if I apply for secured personal loans with bad credit?

Yes, of course. You will be eligible to get loans at a reasonable interest rate. In case you default, we take possession of your pledged asset. However, you should do this when you need large funds to borrow. These types of loans are also helpful in fetching larger amounts for substantial financial goals. We also do not restrict you from using the borrowed sum for your self-employed business.

Can I get very bad credit loans with instant approval?

Yes, you can get quick approval despite having an adverse credit score. However, it depends on your recent financial profile. If you have performed well recently, we will offer you loans with a soft credit check. Besides, we will allow only affordable loans, carrying easy-to-follow monthly instalments from your income. If you pay a loan on time, you will experience a significant impact on your credit profile.

What is the easiest way to get bad credit mortgage in Ireland?

A bad credit mortgage may involve heavy documentation. Alternatively, pay a higher down payment to reduce the loan amount. It will help you to borrow an affordable amount and repay quickly. Also, choose a lender who can be flexible in lending terms, like CashFinancesOnline. We can benefit you with instant approval and same-day funding, which you can use to fill any funding gap or pay any fees related to your mortgage. However, interest rates may be slightly higher since you have a poor credit history.

From where can I get a loan in Ireland with bad credit?

With having a bad credit issue, you should maintain distance from mainstream lenders due to their hard credit check provision and lengthy application process. Instead, you can contact a reliable online lender like us who can assist you in a single day. With this, you may get almost guaranteed approval because your loan request will only be screened with a soft credit check. Apart from that, you may get rates on the competitive side, which will be affordable to your monthly earning.

Why is CashFinancesOnline to get loans for bad credit?

We are the responsible bad credit personal loan lenders in Ireland. Our main aim is to put forward the best financial assistance to our aspirants when they need it the most. Our company provides strong reasons to opt for tailor-made loan deals here.

We say ‘YES’ to

We say ‘NO’ to

Almost guaranteed approval Surprising costs
Competitive APRs Pre-payment charges
Same-Day Fund Disbursal Documentation
Transparency and Honesty Delayed process

Shop Direct Ireland Ltd Quick Loan

Loan Type


Loan Amount

£1,000 to £35,000

Representative APR

30.6% APR

Loan term

1 year to 5 years

Representative Example: The representative rate is 10.6% APR (fixed) so if you borrow £15,000 over 5 years at a rate of 10.6% p.a (fixed) you will repay £319.57 per month and £19,174.37 in total.

Esvic Limited Guarantor Loan

Loan Type


Loan Amount

£500 to £10,000

Representative APR

49.9% APR variable

Loan term

1 year to 5 years

Representative Example: The representative rate is 49.9% APR (variable) so if you borrow £4,000 over 3 years at a rate of 49.9% p.a (variable) you will repay £195.16 per month & £7,025.76 in total.

Allied Credit Ltd Quick Loan

Loan Type


Loan Amount

£1,000 to £15,000

Representative APR

93.6% APR

Loan term

2 years to 5 years

Representative Example: The Representative APR is 79.4% APR (variable) so if you borrow £3,000 over 2 years at a rate of 59.9% p.a (variable) you will repay £217.24 per month & £5,213.68 in total.

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