Rating based on 22 reviews

Loans Bad Credit offered by Opal Loans

image of Opal Loans
image of Opal Loans

About Opal Loans

Fast and efficient services are what we offer.

We assist you with finding the right lender by just one application. We will do the rest by searching for the best available product for you from our panel of lenders.

Expert panel of lenders

Our expert panel of lenders will receive your loan application and provide you with a loan deal; allowing you to find a loan that best suits your specific financing requirements.

Best customer support

With a call centre that is operational six days a week, we are here to assist you every step of the way.

Helpful service

All financial situations are considered at Opal Loans as we believe our customers deserve to obtain the financing that they require.

Are you self-employed?

We have a number of top lenders that cater for self-employed clients.

Same day decision

At Opal Loans, you could receive an answer on your loan application on the same day. In most cases, we are able to give an answer immediately. If you have been turned down by other lenders, give Opal Loans a chance, we are here to help.

What Opal Loans can offer you

Our panel of lenders are able to assist our clients with secured or unsecured loans.

Depending on your financial requirements and situation, we will find a loan to provide you with the finances that you need.

Secured loans

Secured loans are usually secured by property or assets. It usually allows the borrower to apply for a higher amount at a more competitive interest rate. Depending on the lender, an early repayment fee may apply.

Unsecured loans

An unsecured loan from a lender is not secured on any property or asset. Since there is no collateral attached the interest rate on your loan might be higher than with a secured loan options. Applying for an unsecured loan is often less complicated and the turnaround time of the loan is fast. It is an instant cash solution.

Bad credit loans

Bad credit loans are designed for people with poor credit scores or history. Many lenders have tailored-made a financial solution for individuals with bad credit. It allows all an equal opportunity to obtain the finances that they require.

A number of our expert panel of lenders offer bad credit loans that are easy to apply for and you could have the finances you require the very same day.

Loan Amount



Repayment Term

0 days

0 months

In a Nutshell

  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment

Opal provides loans for people with bad credit – convenient & easy

We offer the easiest loan application procedure, saving you time and effort.

Apply online

Simply complete the online application form. It won’t take longer than a few minutes and it will start the process of finding the most suitable financial credit provider for your circumstances.

Quick call

After you have submitted your online application, we will call you to retrieve or complete any additional information needed, which takes just a few minutes.

Sit back and relax

Soon thereafter, our panel of lenders will receive your loan application and present you with your options.

Choose a lender

Review all the options available to you and choose the product that’s right for you!

Loan requirements - Secured loans

  • BE 25 years or older
  • EARN a gross annual income more than £15 000
  • CLEAR mortgage repayment history for 12 months
  • NOT be bankrupt
  • NOT have any CCJ's in the last 12 months
  • PROPERTY owner

Loan requirements – Unsecured loans

  • BE between 18-65 years
  • EARN £800 per month or more
  • UK residents only
  • OUR unsecured loan amounts range from £500 up to £25, 000.

We have secured loans available from £2,000 up to £250, 000 with repayment terms ranging between one to 10 years.

Opal Loans find you the best loans

As a loan broker and not a lender, we have a panel of lenders that may be able to help you; some offering the most competitive interest rates and fees in the industry.

Each financial situation is different; consequently the lender you choose should cater for your specific needs. That is where we come in. We find you the best loan deals to choose from. It saves you the time and effort to do so.

Our services are free of charge to you but we do receive a commission from the lender you choose.

Eligibility & Requirements

  •  18 years or older
  •  UK resident
  •  Employed full-time
  •  Active UK bank account
  •  Recent pay slips
  •  Proof of address

Other Products & Services

  • QUICK Loans
  • PERSONAL Loans
  • BAD Credit Loans

Customer Reviews & Testimonials

OL is a good option if you are looking for a variety of loan options when you suffer from bad credit.

Justin J
— Peterborough —

The interest rate on loans is very fair and the terms are pretty flexible.

Kate T
— Essex —

Good customer service, simple application and fast payout.

Jennifer C
— Surrey —

 Find us here

1, Castle Court 2, Castle Hill, Dudley

 Opening hours

  • Monday 09:00 – 19:00
  • Tuesday 09:00 – 19:00
  • Wednesday 09:00 – 19:00
  • Thursday 09:00 – 19:00
  • Friday 09:00 – 18:00
  • Saturday 10:00 – 16:00
  • Sunday – Closed

 Get in contact

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