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    PERSONAL

    Loans

    N Whole of Market panel
    N Trusted panel of lenders
    N From £1,000 to £25,000
    N Rates from 5.7% to 278%
    N 3-36 month repayment

     

    SHORT TERM

    Loans

    N Online decision
    N Responsible lenders
    N Borrow up to £3,000
    N Rates from 278% to 1576%
    N 3-12 month repayment

    Representative Example: Cash price £7,500. Deposit £0.00. Total amount of credit £7,500.00.

    60 monthly repayments of £137.22 Total charge for credit £733.20. Total amount payable £8,233.20. Interest rate 3.8% fixed. 3.8%APR Representative.

    We are a Credit Broker and not a Lender

    Bad Credit Loans Guaranteed on No Obligations

    Guaranteed Loans

    The deals on guaranteed loan for bad credit are meant to improve your credit situation and keep you happy and contended there all unsecured loans. It simply means that the guaranteed loans no credit check as well as guaranteed bad credit loans come with no obligations. Our guaranteed loan service is one of the premier services in the uk.

    Guaranteed Loans In The Uk


    Guarantee loans come in many forms the word itself can be taken into ways we often find them people googled this term the looking for one of two things. First thing I looking for is a guaranteed loan i.e. a loan that can be guaranteed to be paid to them upon their application, and this isn’t something that really does exist no loan can be guaranteed even if you have the best credit score the best affordability in the world each lender still makes a rain checks and is well within their own right to decline the loan for whatever reason they see fit as the end of the day it is their money that their lending.

    The other version of the loan people looking for is a guaranteed loan i.e. a loan that is guaranteed against property or a person otherwise known as a guarantor to make sure the loan is paid back in full. This is something that you can find in the market it is pretty commonplace for loans to be required to be guaranteed if the applicant is someone that suffers with poor credit or has previously been bankrupt, by using someone or something to guarantee the loan you may increase your chances of the loan being confirmed.

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    What Do People Use to Guarantee a Loan?

    The most common thing that people do use for the loan guarantees is their property this this is then classed as a secured loan this in short means should you struggle to make your payments the lender has the guarantee of when your house is sold that the for balance of the outstanding loan will be paid off in full before you receive any funds from the house sale.

    Another popular guarantee method is to use a guarantor this is mainly found in the sub-prime lending market when people have bad credit lenders tend to look for ways to make sure that their loans will be paid back this is where the guarantor comes in, they will essentially be on the loan with you and be the second form of payment should your monthly payment fail the payment will then go to your guarantor who will clear the monthly agreement and keep your loan up-to-date at all times.

    Alternatively, if you are looking at a guaranteed loan because you are worried that your bad credit score will hold you back from other options it may be worth looking into no credit checks loans. By avoiding a credit check you will have more chance of acquiring the financial plan that you are hoping for.

    The Benefits Of A No Guarantor Loan

    Secure Application Procedure

    A secure application process is one of the most important benefits that borrowers looking for finance with no guarantor. As with most lending agencies in the UK, we use online request forms because they are the safest option for your private details and it also enables fast and efficient cash dispersal. This means that all you need to get things started is an internet connection. The procedure for finance with no guarantor is no different from the majority of other alternatives; simply fill out the form through our link at the top or below and you will have a response before you know it.

    Guaranteed Approval

    Unlike banks, where their decisions are almost entirely based on a person’s history, the guaranteed approval with no guarantor alternative provides the requested money with full guarantee without concerning itself with the past. It is all about your current situation and your current income and a basis of trust between reliable lenders and customers. We are able to guarantee a range of finance plans for all kinds of amounts and term periods whether you are looking for a short term payday plan or long term loans.

    Easy Repayment Schedule

    When people with a poor score are applying for these no guarantor options, they must look through the application carefully so as to avoid hefty repayments that they won’t be able to manage. It is very important that you aim to get the finance that you are capable of, if you sincerely follow the repayment plan then you will easily be able to improve not only your score but also your general life standard. As the amount you can apply for can vary massively, make sure that the plan you apply for is approachable. Stick to the plan and it will have a knock on effect, improving your reputation among lenders, making getting finance in the future easier and reducing stress through your accounts.

    Apply The Unsecured Way with No Guarantor

    Finance with no guarantor can also contain a special feature, they can be unsecured as our options are. It means that the borrower, who may not have collateral or worthy assets, is still able to acquire the plan that they are looking for by getting financial assistance. It is not necessary for people, applying with no guarantor, to put their assets on the line to secure the amount they are looking for; rather the lender will accept the risk themselves, this is unsecured finance.

    How do I apply for a guaranteed loan?


    Making an application is the easiest step of the more is or you simply need to do is fill out the form at the top of this page. As long as you provide us with full and accurate details we will be out to submit your application to the lender that best suits you. Please make sure at all times you do provide us with accurate information as this really can cause problems when trying to find the lender that will lend to you please bear mine every lender has different criteria so providing us with inaccurate information may mean that your loan is either declined or is delayed.

    How Long to Take to Process a Loan?


    Loan applications can be relatively fast record stands at 14 hours from application to payout but this was because some providers with hundred percent accurate details and had all their wage proofs to hand. On average from application to payout is between 3 to 5 working days one option to speed this up is to make sure that you have all the accurate information to hand including how much you are paid on a monthly basis and how many outgoings you have on a monthly basis.

    What Can I Borrow the Money For?


    Most lenders don’t have any preference on what you do with the money as long as you can afford to pay back the money on a monthly basis they are happy. One thing you may find is when a lender is checking your affordability if they find the is going to be tight because your other credit commitments they may ask you to pay off one of those outstanding commitments using the money that they are willing to lend you so you may find that your loan amount is smaller than you originally wanted but on the other side of things you will have one less creditor to worry about.

    Do I Need to Make a Joint Application?


    There is a possibility that your applications will help process your loan as it means your affordability will be higher but please bear in mind the joint application should only be used with both parties genuinely are willing to pay back the loan. If a joint application is made and approved and any one party pays off the loan and can’t afford any more the other will become responsible just as much as the first party their credit history will be affected if the loan remains unpaid.

    Do I need to be employed?

    Each and every lender has different lending requirements some do require you to be employed some require you just have a monthly income whether that’s from benefits or wages. As a company we always do suggest that you can constantly afford your monthly payments on each and every loan that you do take this way you will avoid defaulting on any loan agreement.

    What If I Have a Bad Credit Score?

    Having a bad credit score doesn’t mean that you can’t apply for a loan there are many loan companies within the unsecured lending market that will happily lend to someone with a poor credit score he does however mean that you should expect to have a higher interest rate you would of when you had a perfect credit score this reflects the risk lender has to take when lending you the money. One thing I always do like to suggest for people is by paying your loan on a monthly basis in full your credit score will improve and you will be able to refinance so after one year of having alone and making all your monthly payments on time I do suggest you check your credit score and see if you can receive a better interest rate for your loans.

    Is there a maximum age?

    Currently there is a maximum age of 65 for most lenders this reflects the government retirement age.

    What Amount You Borrow?

    Each and every loan can vary in amounts most lenders are willing to lend in 500s there are some lenders that will lend up to £25,000 but this is very dependent on the credit score that you have the average loan we tend to see on a daily basis is between 3 to 5 thousand pounds.

    The average loan term tends to be 3 to 5 years but the higher amount loans you can see repayment period spread out over 8 years. For example a loan of £18,000 with a reasonable APR will cost you around £350 a month over five years.

    How do I Make Repayments?

    Lenders accept payments in various methods but every lender is different on average most lenders will accept payments by debit card direct debit or standing order. One thing to note is that is not possible to pay loan with a credit card the reason being that class paying finance with finance and getting yourself into greater debt.

    *Subject to lender approval and requirements.