Bad Credit Doesn’t Mean No Credit. How 1Plus1 Loans Can Help with a Fairer Way to Borrow

Struggling with bad credit? You’re not alone and more importantly, you’re not out of options. At 1Plus1 Loans, we understand that life happens. That’s why we specialise in offering loans for bad credit from a direct lender that sees beyond your credit score.

We’re also the only UK lender to offer Rate Drop™, a feature that rewards on-time payments by lowering your interest rate, helping you save money and rebuild your credit, one step at a time.

What Are Bad Credit Loans?

Bad credit loans are designed for people who’ve had financial setbacks in the past. Whether it’s missed payments, defaults, or limited credit history, we believe your past shouldn’t define your future.

Unlike brokers or comparison sites, as a direct lender we assess every application ourselves and we focus on where you are today, not just where you’ve been.

What Makes 1Plus1 Loans Different?

Our mission is simple: to offer a fairer, more supportive borrowing experience. That’s why we created Rate Drop™ a built-in feature of our loans that puts you in control.

Here’s how it works:

• Start with a clear, fixed APR

• Make 6 consecutive on-time payments

• Your rate drops automatically

• Make another 6 on-time payments, and it drops again

• If you miss a payment, your rate doesn’t go back up, but the counter resets

No penalties, no tricks, just a fairer way to repay.

Why Consider a Bad Credit Loan?

Many of our customers use loans to:

• Consolidate debts into one easier monthly payment

• Cover unexpected expenses or emergencies

• Rebuild their credit over time with regular, on-time payments

And because we’re a bad credit loans direct lender, you apply directly with us, no middlemen, no delays, no extra fees.

Take the First Step Today

At 1Plus1 Loans, we believe people deserve second chances. If you’ve been turned down elsewhere, don’t give up you might just need a lender who looks at things differently.

Explore your options today. Apply online in minutes, and if approved, you could receive your funds the same day.

Bad credit? Let’s move forward, together.