Borrow from £100 to £25,000

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

 

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

Instant long term loans for USL4U?


One of the first questions a consumer is likely to ask themselves before they apply for a loan is whether they are eligible for it or not. There can be a number of requirements for eligibility, but we’re going to narrow it down to a few key ones that usually stand between you and the cash you want.

We’re looking at long term personal loans in particular, as these can have the most stringent requirements. You meet the necessary eligibility standards for this kind of money, you should be approved for just about any other kind of cash as well.

Credit
Your credit score play an integral part in how eligible you are for certain finance. Not every lender will ask to check your credit, as they may rely on your employment record and some financial details to determine eligibility, but you are going for a long-term agreement, then a finance check is more or less mandatory. Now, even if your history is poor, you may still be eligible for a loan; it just may not be on the terms you like.

If you’re concerned about your past and how it will affect eligibility and rates, then you do a few things to improve it. You can make payments on time, check for errors on your credit report and pay off some debt to make your score rise in time. It won’t happen overnight, so be patient with it.

Income
This is definitely the most important factor when it comes to eligibility and a quick application. If you don’t have the income to support the payments, then no one will give you the finance you want, no matter how well you meet the other lending requirements. Every lender wants some assurance that you will be able to pay the amount back in full and be able to make payments on time. They will look at your income primarily as a way for you to do that. You can make promises about other sources of income you might be looking into, but if your paycheck doesn’t show that you bring in enough money to cover your bills and your payments, you may be out of luck getting long term personal loans.

If you want to improve your chances, then you get another source of income and show proof of it before you apply for the loan. You can also try getting someone else with more income or better past to cosign for you.

Debt
Should you have too much debt, you could be turned down for the cash you are wanting. Lenders will often ask about what other loans you have, such as student loans, car loans and mortgages before they approve you for a further finance. If they think you have too much debt to handle another loan, then they will deny your application.

You might be tempted to fudge the details of your debt and try to hide some of the bills you have to pay, but that’s not a good idea. Lending institutions are able to accurately judge how likely you will be to repay the cash on time, and if they deny you because you have too much debt, it’s a good idea to work on paying down some of that debt before you apply again. You don’t want to be overburdened with debt and not be able to get yourself out of a hole.

Your debt problem is a serious one, then you may need to seek out help from a debt counselling agency. There are several of them out there, many of them government sponsored, and they can help you get control of your finances. As for those long-term personal loans you are eyeing, just give yourself some time to work on your financial situation before you overwhelm yourself with one of them. Once you get your bad debt under control, you are far more likely to be approved for the cash you want.

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.