The term "bad credit" is subjective. We have lent £millions to subprime borrowers and continue to specialise in this area; if you feel that you could afford the repayments and you meet our criteria, feel free to apply. We won't lend to you if you are in an IVA, DRO or Bankruptcy. If you are in debt management, you should speak to your debt advisor/insolvency practitioner if you think you need to borrow money.