Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans in Kings Cross – Bad Credit Considered! Apply for up to £5k today!

Representative Example: If you borrow £550 over 6 months at a flat rate of 207.6% per annum (fixed) with a representative 1013.3% APR you will make 6 monthly payments of £186.82, repaying £1120.90 in total. Loan term lengths from 1 to 60 months. Multi Month Loans is a licensed credit broker not a lender. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservce.org.uk

You could receive the money the same day with Multi Month Loans!

Get the money sent to your personal account in 15 mins!*

Representative 1013.30% APR

We help our customers to find a suitable alternative for bad credit score in Kings Cross.

Using advanced technology to match you with a loan option in seconds! 

Confidential & Safe

Your details is safely held and not sent to third parties without your authorisation.

We Don't Charge Any Fees

You won't find any hidden charges . You see the rate the lender has set.


All loan applications are processed electronically so there's no need to sign any paperwork.

UK Website

We are a British company serving British customers.

Loans for bad credit in Kings Cross​

Apply for a loan for bad creditscore in Kings Cross now†

You could get an instant loan decision online up to £5k today! The loan application options you could get at Multi Month Loans are designed to make your life easier – at times you have an urgency and need that tiny bit of extra money to get you by and we are here to help you. Apply now via our online form and you’ll be able to see if any of our lenders will accept you for £100 to £5k loans (between 1 and 24 months). It’s possible to get your loan on the same day*.

We check deals fromof the UK’s main lenders to help you a short-term loan option – people with bad creditscore are always encouraged to apply. We always aim for flexibility and variety – offering loan application options for everyone even if you have been declined for finance elsewhere. Our loan application process has been designed to be as quick and easy as possible- especially for you.

Our objective is offering loan applications at a rate that are affordable, as simple as that.

  • You can apply for between £100 and £5,000
  • All credit scores considered
  • No hidden charges
  • Paperless, just one simple form
  • Instant cash loans, 24/7, same day*
  • Confidential & safe, 256-bit data encryption
  • We offer 100% free no-obligation quote

Payday Loan Options

Loans for bad credit in Kings Cross​

Payday Loans: Getting Cash Online Within the Same Day

Considering taking out a payday loan to ensure that your budget lasts until payday? Before you go ahead and apply for payday loans with Multi Month Loans today it’s important to understand both the pros and cons of this kind of short-term finance.

Payday loans are unsecured lines of credit that are borrowed for a short-term period, generally until your next payday even though this period can be extended.

Once your loan application has been accepted, your funds will be deposited directly to your bank account. At the end of your loan term, you must repay your loan in addition to any interest in full.

These type of applications are designed specifically for short-term use only and therefore should only be used in one-off situations as they are an unsuitable option for repeated lending, and if used this way then they can be costly.

These loans applications can last as little as a few days, or they can be extended over  a number of months. At Multi Month Loans, we offer you the ability to apply for loans with repayment periods of between 1 to 24 months, depending on your affordability and the amount you need to borrow.

Cash Loan Options

cash loans in Kings Cross

Cash Loans in Kings Cross up to £5k

Cash loan options are generally requested in times of financial emergency. Many A small cash loan can be used to cover the costs for things such as unexpected bills or the costs of repairs. As the loan amount and terms are short they are ideal to sort out short term cash flow complications.

These loans can cover things such as:

  • Mortgage and rent payments
  • Vehicle maintenance and repairs
  • House and home appliance repairs
  • Private medical bills
  • Utilities and maintenance bills

At Multi Month Loans we work with cash loans applications, from £100 to £5k for periods of 1 month to 2 years. Some of the most popular cash amounts that applicants request to borrow are: £200£500 and £1,000 loans.

We could provide cash loans applications for {just as little as} a month up to 2 years. How long you would like to repay may depend on the amount you would like to borrow. However, whether you would like to borrow for 6 months or twelve months, or on your next payday, we can be helpful. 

No Credit Check Loan Options

no credit check loans cash loans in Kings Cross

Kings Cross No Credit Check Loans for Bad Credit

There are a number of reasons why applicants may search for short time loans without credit checks in Kings Cross.

Usually, individuals who have a bad credit score, or what is called a ‘thin file’ credit report, will search for payday loans without credit checks However, as short term loans is regulated by the Financial Conduct Authority, to provide these kind of loans without the suitable affordability checks is against regulations. FCA regulations make sure that:

  • The consumer credit market runs efficiently
  • Customers can get the financial services that they need
  • The best interests and rights of borrowers are protected
  • Individuals can’t borrow more money than they can afford to pay back

Unsurprisingly, the most common reason why individuals look for payday loans with no credit checks is that they have a bad credit history. As you may know, when your credit score is not good, it can be very tricky when it comes to borrowing money. It can burden people with high interest, short repayment terms and low loan amounts, or even (avoid|prevent} you from getting accepted for a finance, altogether.

Quick Loans Options

quick loan in Kings Cross

Quick Loans to Suit Your Needs

Quick cash loans, also known as ‘fast loans’, are short term finance that are to be used for financial urgencies. Lenders approve and deposit the money promptly so that you can solve your money problems as soon as possible. They are usually used to cover the cost of things such as bills and unexpected circumstances. At Multi Month Loans, we provide quick loan applications for amounts of up to £5,000.

Many individuals will face some typeof financial problems in their lifetimes. However, when unexpected expenses appear, many traditional lenders can keep borrowers waiting for prolonged periods of time for a decision on their credit application. In such case, quick loans can provide borrowers with the funds they require as soon as they need them.

If you are in need of a quick loan you can borrow anything from £100 to £5,000, which would be sufficient to cover the expenses of any short-term emergency which you may be having such as car repairs, unexpected costs and boiler or home fixes.

While there aren’t any limits on what you can spend the quick loan on, there are some things that you shouldn’t use them for. If you’re struggling to repay existing debt, for example, then we don’t encourage you ask for a quick loan.

Small Loans Options

small loans in Kings Cross

Kings Cross Small Loans

Small loans are usually borrowed in times of financial hardship. Many applications for small cash loans are used to pay for the expenses for things as unexpected bills or the costs of repairs. Because the loan amount and terms are short making them an ideal option for short-term cash flow problems.

These kind of loans can cover things such as, but not restricted to:

  • Mortgage and rent payments
  • Vehicle maintenance and repairs
  • House and home appliance repairs
  • Private medical billsUtilities and maintenance bills

If you have found yourself in a bit of a financial hardship and you do not know what to do next. Whether your laptop has broken or if you need money for car repairs to tide you over until payday, a cash loan could help your situation.

At Multi Month Loans, we could provide small loans applications in Kings Cross for as little as one month up to 24 months. How long you wish to repay may depend on how much you wish to borrow. However, if you would like to borrow for 6 months or 12 months, or on your next payday, we can be helpful.

No Guarantor Loans

no guarantor loans in Kings Cross

Loans without a Guarantor for 1 to 24 months in Kings Cross|

A no-guarantor loan is one signed without a guarantor. Without a guarantor, the individual is completely responsible for loan repayment. Having no safety net could mean lenders consider the customer a higher risk, which can result to higher interests than guarantor loans.

These kind of finance are for customers who would rather be independent from a guarantor and would rather have the accountability for the loans. This means that no relationships are affected should you stop to cover the repayments, as the [applicant|borrower} is the only person responsible.

As to be seen as eligible for finance in Kings Cross, you must meet the minimum conditions:

  • 18 years of age or older.
  • A UK resident. A resident of the UK.
  • Have a regular monthly income.
  • Maintain an active bank account in the UK.

Having a regular income and a suitablecredit score will make it more feasible to get approved for a cash loan with no guarantor, but lenders are usually flexible and would take into consideration individuals with bad creditscore.

6 Month Loan Options

6 months loans in Kings Cross

6 Month Loans: Borrow up to £5,000 in Kings Cross

Payday loans are suitable for some customers, as they are generally repaid within 30 days, but others may prefer to spread the cost of financing over a longer period, such as six months. A 6 months loan is a great alternative in many situations, but there are a few things customers need to consider first.

Six-month loans are short-term finance options that are loaned and repaid over a set six months. They are typically borrowed to cover day-to-day expenses such as rent and bills. This kind of loans spread the the cost of the loan plus the interests over six equal instalments.

It’s typical for individuals to worry that their bad credit score will avoid them from borrowing money.

There are still lenders who will provide you credit options if you are looking for 6 month cash loans. APR and interest rates may be higher for applicants with bad credit ratings, for that reason, you should always consider this when making your decision.

Some of the amounts most applied for by borrowers include £100, £200, £500 and £1,000 loans.

12 Month
Loan Options

12 months loans in Kings Cross

12 Month Loans in Kings Cross

A 12-month loanis a short-term credit, borrowed and repaid in a fixed period of 1 year. Applicants will repay the loan borrowed in fixed monthly instalments together with any interest or fees the lender charges.

You could use 12-month loans to pay for expenses as unexpected bills, home improvements and repairs, or appliance replacements.

There are a variety of lenders providing 1 year loans, including short-term lenders, banks and building societies, and some payday lenders, therefore you can apply in many ways.

In  order to apply for a loan option via Multi Month Loans, what you need to do is to fill out an online application form with your financial and personal details. Once your application has been sent and accepted by a lender, you could receive your money in as little as a day.

Multi Month Loans is a tech platform, helping consciously you to find a suitable short-term finance option.

Loans for people on benefits in Kings Cross

Loans for people on benefits in Kings Cross​

Searching for a loan while on state-benefits?

By assisting customers in finding convenient short term loan deals, we make sure you are matched with a lender on our panel that best suits your needs. We guarantee a quick and easy application process, and all of the lenders we work with can send funds in as little as a day.

If you receive income support, such as disability benefits or universal credit, you may find it difficult obtaining a loan from a building society or a bank. However some short-term loan lenders may be willing to lend you money, subject to your credit score and affordability.

Usually, unemployed or state-benefit customers need to borrow from a lender or broker who focuses in finding them such credit option. Fees and APR may vary depending on the lender, therefore check your terms and conditions beforehand.

If you’re needing to borrow money while on benefits, here’s how we at Multi Month Loans may be able to help you. We provide a variety of loan applications for amounts of up to £5k for 1 month to 2 years. 

How to Get Bad Credit Loan Options in Kings Cross: 3 Steps

Time Needed : 5 minutes
Check these steps and find out how easy it is to submit a loan application at Multi Months Loans!
  • 1. Apply using our form

    Applying through Multi Month Loans is always quick and easy. It only takes 1-2 pages to complete your application. Our customers can apply on the go or from the comfort of your own house. Even betteryou won't have to make any calls or fill out any paperwork.

  • 2. We search our panel of UK lenders

    By analysing a large panel of UK lenders in real-time, we are able to provide you with an (immediate|instant} resolution. You will know if you have been approved within seconds.

  • 3. Getting the Cash

    Most lenders will deposit the money directly to your bank account in a day! There are no fees and no paperwork to fill out; submit an application for loan options up to £5k today!

  • 1. Internet connection
  • 2. Laptop, Mobile or Tablet
  • 1. Online application form


  • 1. How much can I borrow with a bad credit history in Kings Cross?

    The lenders we work with offer applications from £100 - £5k. As you can borrow in increments of £100, you can customise your loan plan and borrow money to fit your situation. Please mind that even though customers with a bad credit history are welcome to apply, we can't guarantee that a lender will approve your application. All applications are submitted for approval to the lenders on our panel.

  • 2. When will I receive my loan for bad credit?

    Usually, the lender from our panel can accept loans within 15 minutes, which means your money can be transferred into your account on the same day. Please mind that even though customers with a bad credit history are welcome to apply, we can't guarantee that a lender will approve your application. All applications are submitted for approval to the lenders on our panel.

  • 3. Why choosing Multi Month Loans for bad credit loans in Kings Cross?

    We offer short-term loan applications in the UK, and our application process is designed to make our customer's lives easier. Whether you have a bad credit history or need help paying for an unexpected expense, we may be able to help. Please mind that even though customers with a bad credit history are welcome to apply, we can't guarantee that a lender will approve your application. All applications are submitted for approval to the lenders on our panel.