Rating based on 13 reviews

1Plus1 Loans


  • Loans bad credit up to £10,000
  • Low-interest starting from 47.8%
  • Repayment up to 60 months

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1Plus1 Loans homepage

Author 1Plus1 Loans. Screenshot of 1Plus1 Loans website. [Accessed September 4, 2019]

About 1Plus1 Loans

If you are looking for affordable bad credit loan with a fast payout then look no further than 1Plus1 Loans.

At 1Plus1 we understand that borrowing money has become a difficult prospect and, when you need money, there is no time to hesitate.

Quick and easy online access

At 1Plus1 we only lend to those who can afford to pay for their loans and ensure that everyone is treated fairly no matter your credit score. With only a few clicks of the mouse, you can have access to our easy to navigate website where you can use our online application to apply for a guarantor loan – and all applications are considered!

Quick loan applications

Applying for a loan with 1Plus1 is easier than, well, one plus one! If you have any queries out of office hours feel free to contact our online team, who operate 24 hours a day and seven days a week, via email. You can even follow us on Facebook, Youtube, and Twitter!


1Plus1 Loans Services

1Plus1 has a loan option for you so there is no need to break the piggy bank just yet!

Whether you have a low credit rating, no previous credit, want to improve your credit score or want to help out a friend or family member.

Reliable short-term loans

At 1Plus1 we offer short-term loans up to £10 000 and it does not cost a penny to apply. Does it sound too good to be true? Well, there is more. We are also a direct lender so no broker fees are insight.

Guarantor loans for guaranteed cash

Anything can happen in life which is why we do not pay attention to your credit rating when you apply for a loan with us.! Simply complete the application online and our dream team will conduct an affordability analysis. If you pass all the checkboxes then you will get your cash! At 1Plus1 we pride ourselves on our fast payouts so do not fret. Our personal loans are payable over the duration of 12- to 60 months at an average APR of 47.8%.

1Plus1 Loans Product Details

  • Loan Type Loans bad credit
  • Interest Rate from 47.8%
  • Loan Amount up to £10,000
  • Repayment 12 months to 60 months

Summary of Services

  • Direct access to lender no intermediators
  • Fast access to your funds
  • Online application only takes a few minutes

1Plus1 Loans has the cash that you need

If you are applying for a loan at 1Plus1 then you are required to have a guarantor.

With a poor credit history or no history at all, we need your trusted friends and family to verify your ability to repay the loan. Hereafter we will perform the necessary affordability checks on both parties and, once everything is in the clear, we can payout the quick cash loan.

A lender you can trust

At 1Plus1 we take several precautions to protect you and ourselves from running into any debt problems which is why we ensure that you can afford the credit that you apply for. We do this by verifying your income and expenditure and we have links with banks and other financial institutions that can do so without bank statements or payslips which greatly speeds up the application process.

You can also apply for a debt consolidation loan if you have too much debt and can no longer afford your monthly repayments.

Call a friend, lend a hand

At 1Plus1, where credit ratings are not everything, we understand that friends and family can lend a helping hand. Your friends and family know you better than we do which is why we operate with guarantors.

A guarantor is like your own personal safety net – if you are unable to make a payment then the responsibility for repayment will fall onto the guarantor.

How can I apply to be a guarantor?

In order to apply to be a guarantor you need to have a good credit history, reside in the UK, be between the age of eighteen and eighty and be able to afford the repayments should the borrower fail to do so. A soft credit check will be completed on you as a guarantor in order to determine whether you are able to afford the repayments should the responsibility befall to you.

How do I make my repayments?

Repayments are scheduled monthly. The amount paid monthly depends on the duration and interest rate on your loan. However, repayments are not limited to monthly repayments. If you wish to do so you can pay back your loan in full at any time at no additional cost.

Customer Reviews & Testimonials

July 2019

A great lender to work with. I would definitely refer a person to this lender

Tyler H
— London —

April 2019

No hidden fees

Luke J
— Southampton —

January 2019

Customer service was very good

Nate J
— Manchester —

1Plus1 Loans Contact Details

Physical Address

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

Opening Hours

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