Rating based on 43 reviews

1Plus1 Loans


  • Loans Bad Credit up to £10,000
  • Low-interest starting from 47.8%
  • Repayment up to 5 years

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1Plus1 Loans homepage

Author 1Plus1 Loans. Screenshot of 1Plus1 Loans website. [Accessed May 17, 2020]

About 1Plus1 Loans

We are 1Plus1 Loans, a reliable, direct lender. And we believe we provide a better way to borrow money.

Credit scores don’t determine your eligibility

Our loan product does not rely on credit scores to determine your eligibility. Instead we rely on your credit worthiness and affordability and your family and friends.

Regain the credit worthiness

What we do like to do is help our customers improve their credit worthiness packaged together with a service that is quick, easy to use and highly efficient.

Our business is to make sure our service is reliable with pay out times are as quick and efficient. That is why a lot of our customers have the money in their bank the same day they apply!

Expertly trained team

Expert knowledge and experience is what you can expect from our professional loan company and dedicated team. Our highly motivated team is ready to help you from 9h00 to 18h00, Monday to Friday.

Online team

Additionally, our online team operate 24 hours, seven days a week.

You may have seen us on TV, if not visit our website to view our advert.

1Plus1 Loans Services

Our loans range from £500 to £10000 and all you have to do is simply fill in the form and sign your contract online. It could not be any easier.

No fees on our loans

The loan terms range from 12 to 60 months and the interest rate will be determined by the loan term. No fees are charged when applying for a loan with us.

Direct lender

We are a direct lender and not a broker thus, you can expect faster payouts and at 1Plus1 Loans, we consider all applicants.

You need a guarantor if you have bad credit

All of our customers require a guarantor to back up a loan with us. This applies to individuals have bad credit or no credit at.

Who and how can I help?

  • Individuals with a bad credit rating
  • Individuals with no previous credit
  • Parents assisting siblings financially

Benefits of 1Plus1 Loans

  • Clients can improve credit worthiness with a 1Plus1 Loan
  • Use your loan can be for any purpose
  • Friends and family are able to help each other

1Plus1 Loans Product Details

  • Loan Type Loans Bad Credit
  • Interest Rate from 47.8%
  • Loan Amount up to £10,000
  • Repayment 12 months to 5 years

Benefits of 1Plus1 Loans

  • Our loans pay out fast
  • Apply online within minutes
  • Borrow with a guarantor

Easy loans regardless of your credit status

Applying for a loan that is this easy is unheard of.

You should not have to wait on the finances you require to make your dreams a reality. It is the very reason we assist people with bad credit scores in the easiest, fastest manner possible.

Apply and sign online

Visit our website and apply online. The contract will also be signed online, making life a whole lot easier on you. Convenience is a guarantee when dealing with 1Plus1 Loans. You are able to apply for a loan from £500 to £5,000 with a loan repayment term of 12 to 60 months.

Bad credit loans

If you are applying for a loan with bad credit or no credit at all, you will need a guarantor. The guarantor will co-sign for you and will thus be liable for the repayments should you default on the schedules repayments. However, if you are loyal to your repayments, there will be no consequence for your guarantor.

What is a guarantor?

A friend or family member that will back up your loan should you fail on your repayments.

Guarantor required criteria

  • 18+ years of age and no older than 75 when the loan completes
  • Homeowners need to be 21 or older
  • UK resident
  • Have a UK bank account and a valid UK debit card
  • Guarantors need to have good, clean credit history
  • Not be subject to a current IVA or bankruptcy order
  • Able to afford the loan repayments

If any of your family members or friends meet the above requirements and are willing to, they could stand in as a guarantor for you to get the loan that you need.

man holding thumbs up

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

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

Their online consultants are very helpful and really are reachable anytime.

Miley B
— Winchester —

Flexible term loans and low-interest rates.

Cailin P
— Leeds —

1Plus1 Loans Contact Details

Physical Address

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

Postal Address

  • The Old Tannery Eastgate Accrington, Lancashire, BB5 6PW, UK

Opening Hours

  • not available