We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit




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




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: £500 borrowed for 5 months. Total amount repayable is £991.85 in 5 monthly instalments of £198.37. Interest charged is £491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.

Finding The Cheapest Long Term Loans!

cheapest long term loans

Do People with Bad Credit Need a Guarantor for a Loan?

Thanks to the recent economic depression, many people have very poor. They made some bad financial decisions in an effort to pay bills or protect themselves financially or they may simply not have had any choice but to miss payments due to a lack of funds. This has affected a large number of people, and those affected may find that they have a difficult time getting approved for a long-term finance.

That’s because long-term finance are risky for lenders. When they lend money to someone, they have little guarantee that the person will pay them back on time or even pay them at all. While there are legal repercussions for not paying the monthly installments, the lenders don’t want to wait for that legal process to take effect to get their money back. They want to start seeing payments being made as soon as they are due. That’s why they are often very careful about who they approve for money.

That applies more so to a long term loan, where borrowers are less likely to make all their payments on time. When there are more payments involved, there is a greater chance that some of those payments won’t be made in a timely manner, if at all. That’s what lenders are afraid of when they have people applying for their finance. So, they may use a check to determine should you are a good fit for their agreements or if you are going to be a risk. If they think you are too risky, they may not approve you for a long-term, but they may offer you a short-term cash instead. They are more likely to at least get most of their money back with a short-term loan.

Where To Find The Cheapest Long Term Loans With Bad Credit?

There are long terms cash is available for people with a poor history. Some of them are even long term loans with no guarantor required. A guarantor can pay the monthly instalment if the initial borrower is unable to, and often the guarantor will be someone with better history or more income than the initial borrower.

Using a guarantor for unsecured loans is a good way to ensure that someone with bad history can still be approved for the finance. However, they are often approved on the strength of the guarantor.

Do you have poor past and you want long terms with no back up necessary, then you will have fewer options. Of course, there are plenty of no guarantor options for people who want to take out a cash on their own. Your past determines not only how much you may in interest for the cash but also whether or not you are approved for that loan in the first place.

Do you want finance without a back up, and your past isn’t the greatest, then you will have to do some serious looking for a reasonable rate. You may find lenders willing to lend to you, but their rates are likely going to be sky high. You should do some rate shopping, but you may not have a lot of options to peruse. Your Options

You can specifically search for “long-term loans, no guarantor required” when you search. Then just whittle it down to the lenders that offer finance to people with poor scores(they will usually advertise this) or those who don’t perform a check. Either one of them will likely want to take a detailed look at your financials to ensure that you can afford to pay it back. The financial check out, then you should be approved. Just know that it would be easier to get a cash should you have decent score and a guarantor with great past. The guarantor acts as a fail safe. Should you not pay, then the guarantor does. That’s reassuring for the lender, and they are more likely to approve you for a finance should you give them no reason to assess you as a risk.

You should also know that all of your options are likely going to come with high interest rates. That’s to be expected when you need a cash with bad to your name. Once your situation improves, so will the offers and interest rates, but for now, you will have to make due with what is available to your financial status.

Cheap Long-term Loans Online – How Easy Are They To Get?

Who doesn’t want a cheap loan? Of course, everyone wants to get the best loan deals out there. However, a loan is an obligation. So, when you search for the cheapest long-term loan, you also need to think about some important things. Ask yourself whether you can really afford the monthly payments and whether your circumstances are likely to change in the coming months that could affect your repayments. Consider also other aspects of the loan aside from the APR and interest, such as early repayment, other fees, and payment breaks or deferred loan payments. Your credit score also matters a lot. It has the greatest influence on the loan that will be granted to you. If you have poor credit, you might not get the cheapest possible loan out there, but you can still find a lower loan cost. The technique is to shop around as much as you can, but choose the lenders who offer no credit check, so your credit rating will not be affect further more.

You can get a cheaper loan deal for a longer term with secured loans and guarantor loans. Secured loans will allow you to borrow the amount you wish over a longer repayment period at a lower interest, but it will be secured against your home or other personal asset. Guarantor loans are also a great option when you have a low credit rating. As long as you can find a person with good credit and steady income, who is willing to cosign your loan, then this is the cheapest possible loan deal for you. While banks are known to offer the cheapest loans on the market, online lenders have become their greatest competitors, offering cheap loans with flexible loan terms and much more lenient requirements.

Online lenders also offer a much more faster and convenient way to apply and process loans. Searching for a cheap loan online can be overwhelming, that is why we are here to help people like you. Just provide us with your details and the amount you want to borrow and for how long, then we will do the job of searching for the lender. If you have a poor credit, it will be extra challenging to find a lender who is willing to offer you a cheap loan, but we will help you compare as many lenders as possible to increase your chances of getting the loan deal you seek. Once you get a loan, work on improving your credit rating by paying your monthly dues on time. With a good credit, you will be able to qualify to the cheapest loans on your next loan application.

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 repayments?

If you can’t keep up with your 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 file this could make obtaining 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.