Borrow from £100 to £25,000

Complete our simple 60 second application form to get the loan you want today.




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: 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

long term loans for bad credit direct lenders from USL4U?

long term loans for bad credit direct lendersYour credit can play a major role in the kind of financial opportunities that are made available to you. You may be approved for the apartment you want, you may not get a job you want because of your bad score especially if its in the financial sector and you’re unlikely to get the best terms on loans if your history has gone down the drain.

However, there are still long-term loans available for people who have bad scores, you simply have to do some extra searching to find them.

Much of the time, lenders will be looking at your previous history to determine if you’re eligible for a loan. Sometimes, lenders will approve you despite your bad history, after they have done a check on it. They may just alter the terms of the agreement to fit your risk level. If your past is poor, you will often have to pay more for interest on a cash than other people with better scores would. That’s just the reality of having a poor history. It can affect your financial situation in ways you may not have expected, and lending terms are often the first thing to be affected. Lenders are looking for consumers who won’t be much of a risk to them and who will pay back their money on time. Do you have a history of not making payments on time or of making poor financial decisions (which your history will reveal), then you’re considered a serious risk to lenders. They may still want to do business with you, but they will be warier. They won’t just give you the best terms and trust you with their money.

So no, this won’t keep you from being approved for long-term cash, but it will narrow your options and ensure that you pay more for the loan. Long term loans are available to you, and you should consider them do you need the money. Just know what you’re getting into and make sure you understand fully how much you’re going to be paying. No lender is going to advertise their bad history loan rates, so you will have to ask or do some searching to find them out. You have a right to know what the interest is going to be before you submit your loan application.

Before you reject any agreement out of hand for the high rates for instant that are being offered, you should know that your options are not as expansive as they would be if you had good score. You may have much choice when it comes to rates, and rate shopping may end up being a waste of time.

Long term loans that are for people with that kind of history are not going to have low interest at all you can get all different types of unsecured loans. You need to be prepared for that and figure the interest into your projected payments. Make sure you are ready to make the full payments when they are due. If you cannot, then it may be wise to try to get your score back up to where it needs to be before you apply for a long-term cash. You also need to take into consideration the fact that if you cannot pay back your money on time, your already bad is going to take another serious hit. Be careful about accepting loans, should you not sure you are able to pay them back on time; otherwise your history may never recover.

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 file this could make obtaining finance 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.