Apply for a 3-year loan today

(Subject to eligibility and affordability)
Feefo 5 star Rating

3-Year Loans

Personal loans are when you borrow a chosen amount of money from a lender and repay it over an agreed period. The monthly repayments that you pay towards the loan will be a fixed amount. The lender you decide to do business with will charge you an interest fee against the money you borrow. The leverage in this is that you can get quick cash and have time to get your finances in order.

Majority of us take out a personal loan at some point to cover the cost of either an emergency bill, a honeymoon, or a DIY project. Also, most people, unless they have existing considerable savings, need a loan for a lump sum. BadCreditSite™ can offer an amount from £1,000 to £5,000 over a 36-month term.


The goal of a 3-year loan is for an individual to acquire immediate cash while having a comfortable length of time to repay suitable monthly payments. Bringing relief that you can sort your finances in an apt, timely manner.


  • Cash instantly
  • Spread repayment over several months or years
  • Consolidate existing debt into one loan product
  • Can be repaid early without incurring penalties
  • No hidden costs or fees
  • Set monthly repayments and set term

Credit Cards vs. A Loan

A credit card is a valid option when in need of cash. Despite having a good credit score, a credit card will tend only to let you borrow a maximum of £5,000. A credit card can provide 31 months at 0% interest rate. This sounds great, but in practicality is only efficient if you can budget to pay the debt off in that period. Purchasing certain things such as vehicles, are not liable to pay with a credit card.

However, a credit card is not always the best solution. Loans have never been as cheap as they are at this present time. There are hundreds of loan-lending outlets online, and it is essential to make sure you select the correct lender. Choosing an inadequate lender could potentially leave you in further financial ruin or with a worse credit-rating score. We ensure complete security and professionalism, to read more about our FCA-licensing continue reading.

Key Points:

  • If you require a loan of over £5,000.00, a loan is the best choice
  • Vehicle/Home purchases cannot be made via a credit card
  • Easier to manage a loan as can spread repayments

Taking a 3-Year Loan with BadCreditSite

Unlike conventional financial establishments and various online lenders, we do not assess applicants on a risk-based system. This means that we accept all individuals despite employment rate if seeking benefits, or your credit rating. That’s right, BadCreditSite favours all our clients best interests and do not single out those with a bad credit rating or who would normally be rejected by lenders.

If you are keen to take a three-year loan with us and receive cash possibly the same day, then complete our online application which is completely free, takes less than 2 minutes and does not affect your credit score.

CreditPoor does not charge any fees. If you are contacted by anyone saying they are calling from CreditPoor requesting you make them a payment you should contact the Financial Conduct Authority (FCA) as we are aware that there is currently a scam using the CreditPoor brand. This has nothing to do with our company.