Borrow £100 to £25,000*

by

  • Bad Credit Accepted
  • Fast Payout
  • No Fees
  • Secure Application

Short Term Loans

£100 – £1,000


N Online decision
N Responsible lenders
N Rates from 278% to 1576% APR*
N 3-12 month repayment

Personal Loans

£1,000 – £25,000


N Whole of Market panel
N Trusted panel of lenders
N Rates from 5.7% to 278% APR*
N 3-36 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 238.1% pa (variable). Representative 481.6% APR.

ccta and fca registered lender

Long Term Loans From Direct Lenders – UK Bad Credit Experts

Key Features

  • Longer term loans from direct lenders are allow you to manage your repayments more easily.
  • Paying monthly instalments can mean you can borrow more.
  • They are often used for major home improvements or business asset purchases.

Your 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.


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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.

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.

long term loans for bad credit direct lendersJust 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.

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.


Get a Bad Credit Long Term Loan from Direct Lenders

Unpaid bills piling up and having to deal with emergencies are two of the worst things that could happen in life. You may ask financial help from a friend or a relative, but if you do not have this option, a loan is the best solution for your financial woes. Sometimes it is impossible to find a relative or friend who would let you borrow a large amount of money without any form of security. Finding a lender who will provide you immediate cash assistance is often the best way to deal with your money problems. Moreover, there are loans for bad credit that you can apply for over a longer repayment term.

Bad credit long-term loans from direct lenders provide a much easier and speedy loan application process. Expect that with this loan, you will be able to take one out without going through complicated requirements. Make sure, however, that you understand the ins and outs of what you are getting yourself. One important thing to remember with this type of loan is that it comes with very high interest because of the risk that you have bad credit. While this can be a disadvantage, it is actually a blessing itself that you get a long-term loan approval despite your low credit rating. Most lenders will only allow you to borrow small amount over a shorter term.

Long-term loans for bad credit direct lender is actually your best option ever. It will surely provide you with the funds you need in a fast and convenient way without those complicated and lengthy requirements. No need to go to the bank and wait in lines. You can get long-term loans for bad credit online. You can easily apply at the lender’s site. From there you can fill out an application form with your personal details as well as other basic requirements. Note that you must be at least 18 years old with a job or some form of income to be eligible for this type of credit. Eligibility requirements can vary from lender to lender.


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More Direct Lender Long Term Loan FAQs


Do direct lenders offer long-term loans?

They most certainly do! In fact, most direct lenders will now be able to assist qualifying individuals with various long-term loan options. These will differ from one lender to another though, so you might benefit from shopping around when applying for long-term loans from direct lenders.

Can I get more than 1 loan?

Although it may be possible to obtain multiple long-term loans from direct lenders, this will ultimately result in financial disaster. It will be almost impossible to repay more than one loan on time, meaning that additional interest will be levied on all outstanding amounts. It is your responsibility to ensure that you only borrow as much money as you can afford to repay with ease.

How old must I be to apply?

Most lenders will have a requirement in place stating that you must be over 18 years of age to apply. However, some lenders may require you to be over 21 years old as well. The lender you are working with will inform you of their requirements in this regard.

How quickly will I get the money?

Several direct lenders have the ability to provide you with your long-term loan funds on the same day you have applied for them. There may be situations where funds can take up to 48 hours to become available to you, but your lender will provide more accurate information in this regard.

Can I pay my loan back early?

Most lenders will permit you to repay your long-term loan ahead of schedule if you’re able to. However, you will need to let them know that you intend repaying your loan before the initial due date so that the appropriate arrangements can be made.