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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? There’s a Loan for You


    If you have experienced financial difficulties over the past few years in the uk dont worry your not the only one. It is likely that your credit took a few hits. You may not have had much control over your finances and what decisions you had to make to keep afloat, but to creditors, it looks like you are a risk. When they see your credit score and note that it’s not very high, it tells them that you have made some poor financial decisions. To them, you are somebody who may not pay back their loans on time.

    Your Options

    You should know what your options are, and yes, even with bad credit you still have some lending options available to you. There will still be lenders who will approve you for various loans.

    Secured Loan– Your first choice may be to try to get a secured loan. This is a loan where you put down collateral to reduce the risk the lender faces by approving you for a loan. You can put down property of some sort, such as a car or house or a piece of land. The problem here is the inherent risk involved to you, as you could lose that asset, if things go bad for you.
    Guaranteed Loan- This type of loan requires a second signer or co-signer. This person is known as the guarantor, and the loan is their responsibility to pay. It’s expected that you will pay the loan to the best of your ability, but the guarantor has to take on the responsibility of making payments, if you fall behind on your end. Usually, the guarantor is someone who has good credit and decent income, who would qualify for the loan more easily than you would.

    Payday Loan– With payday loans, you can get bad credit loans with guaranteed approval from direct lenders. These are lenders operating apart from banks and traditional financial institutions. They offer loans to people with bad credit like yourself, and they often advertise guaranteed approval. That means that if you meet their very basic requirements, you should be approved without problem. Banks have far stricter requirements and a longer approval process, which make payday lenders the best choice for someone wanting their money fast in small amounts.

    Being Approved
    Your best chance to get approved for a loan on your own merits is through payday loans. If you apply for bad credit loans with guaranteed approval from direct lenders, then you are far less likely to be turned down than if you were to apply at any other lender.

    You might think that your bank would easily approve you for a loan because you feel you are a valued member of their institution, but even their members have to undergo scrutiny before being approved. Banks are risk averse, and if your credit is poor or your income is low, then they won’t approve you for a loan.
    You can save time by just looking for bad credit loans with guaranteed approval through direct lenders. These loans are open to anyone, no matter what their credit is, and most applicants are approved. If you feel like your bad credit is going to prevent you from getting the money you need, then you should consider this choice and apply for a loan from a direct payday lender.

    What can I do if I wish to complain?

    Information about complaints can be found in our complaints policy.

    What if I can’t keep up my loan repayments?

    If you can’t keep up with your loan repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your credit file this could make obtaining credit further down the line a lot more difficult.

    What do i do next?

    Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

    *Subject to lender approval and requirements.