Borrow £100 to £25,000*

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  • 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

Do Long Term Loans With Guaranteed Approval Exist?

Key Features

  • Used for lending larger amounts of money, long term loans can be for ersnal or business use.
  • Finding a long term loan that offers guaranteed approval may actually mean finding one with high acceptance rates.
  • Even if you have bad credit (and have been refused a loan before) you may be accepted for longer term lending.

There are several reasons to go for a longer duration loan. It is required to go for an important investment or to fulfil major expense. You can go for secured finance so that the instalments are paid over a long period of time and the interest rate can be very low with no credit check needed. The cash can be granted quickly by a bank or financial institution but there is a thing as a guaranteed loan. You should go through the terms and conditions before applying for the finance so that it will be cleared immediately. Your interests will be protected in the best possible way when you choose a traditional loan.


Borrow anything from £100 to £25,000 today.
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What are long term loans?

Finance which will take more than 12 months to repay them is treated as long-term agreements. You also go for personal finance in which case it is used for various needs. The interest rate on personal finance higher than home loan. If you go for home, you will get discount as well so that there will not be financial burden most people want it to be a guaranteed loan but sometimes its not the best option.

The Long term cash is granted based on your credit worthiness. You manage good credit score, the application is processed very quickly. For salaried employees, there is little documentation. The payout will take place after the confirmation of the agreement. You will want to provide required documents to the compliance team. The application shall verified and the decision will be conveyed at the earliest.


Finding the best interest rates

To manage best interest rates, you should take steps to improve your credit score. You repay your agreements as per the terms, the credit score will improve. Your spending on credit card will also influence your credit score. You go through the calculator to estimate the impact of interest rates. Before applying for the cash, you complete the interest rate comparison so that you will settle for the best service.

You also choose a trusted agency which will go through financial needs and best options available is suggested. You will get advice based on the earnings, spending habits and future ambitions. It will help you save more and cut down unnecessary expenses. Affordability and convenience.

As you go for long-term agreement, they are very much affordable and there shall be great convenience. Long term fast cash will help you borrow


How to Qualify for Guaranteed Long-term Loans for Bad Credit?

Guaranteed approval is what everyone is looking for when applying for a loan. You will definitely have a guaranteed approval if you have good credit. However, if you are not confident with your credit rating, then you might also doubt getting a loan approval. Having a bad credit is the number one reason why people do not get a loan approval. Moreover, if people with bad credit get an approval, it would be for a short term only. So how can you get a guaranteed approval for a long-term loan despite your bad credit? The key to qualify for a long-term loan for bad credit is affordability.

This means that the approval of your loan application will depend on your personal circumstances such as your current income and overall financial status. The usual requirements include having a regular employment, must be at least 18 years old, and being a UK resident with an active bank account. In general, you will need to have enough money to sustain your basic needs and still manage to pay for the monthly dues of the loan for you to have a guaranteed approval.

Lenders will look at your total income, including other forms of income that you may have, and subtracts all your possible expenses such as rent or mortgage, utilities bills, food, credit expenses, transport, and so on. The remaining balance must be sufficient to pay for the loan and will allow you to have money still left in your wallet. The status of your employment also plays a huge role to get you to have a guaranteed approval. If the lender sees that you are a regular employee and have been working in your current company for quite a while, there is no doubt you will be approved for a long-term loan.


Money for any purpose

You will take long time to repay the monthly payments. In some cases, you will want to provide the collateral as well. If you provide the security for the agreement, you might pay lower interest rate.

The risk factor shall be assessed by the bank or financial institution based on the credit score, profession, location and repayment capacity. If you had a good past repayment history, it is a plus point as you are likely to continue the same trend. Thus, the bank will go through all the details and the finance will be granted as per your need.

Before you sign up the contract, you are advised to go through the t&c. The process should be simple and efficient. You should be able to repay the cash in easy instalments. There should be a provision for prepayment so the money can be paid at the earliest. If your earnings have increased, you can increase the monthly instalment so the loan can be closed very quickly its called guaranteed finance.

The bank should not impose penalty for pre-closure of the loan. There are some lending agencies which stipulate a minimum lock-in period. If you close the account before the lock-in period, a penalty is imposed. Thus, you should be aware of the terms and conditions so you will settle for the best cash without any issues.

It is a positive experience for consumers as well as lenders when long-term are offered as per the market conditions. Long term Loans is a great way to buy assets like new or old house and movable property. The amount will be paid in small instalments so that there will not be any financial burden. To choose the best finance, you are advised to contact the loan adviser.


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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 instalments some companies will adjust your monthly instalments 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 shouldn’t take you longer that 3 minutes its as simple as you can get.