Borrow £100 to £25,000*


  • 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 with poor credit from Unsecured Loans 4 U

long term loans with poor creditIf you have to borrow money but your rating is low, you may have very few options available to you. When you go to your bank and ask for a long term loan, they will likely turn you down. Even fast cash lenders and those who often have few requirements for borrowing money may reject your application. They are all risk averse, and people with bad history present a risk. What they may tell you is that you need to have a guarantor sign onto the agreement for you. This takes away that element of risk for them, or at least reduces it. Do you have someone with a good rating and a strong employment history sign as the guarantor, then the lender may feel confident in approving the application. After all, failing to pay the agreement on time, the duty of repaying the finance goes to the guarantor. If you’re rating is strong, then the lender has confidence that they will pay back the instalment on time and in full.

You may not want to ask anyone to be your guarantor though. You might be interested in long term finance, for bad, no guarantor applicants. Having a guarantor on the agreement means you have to ask someone to commit cover your monthly instalments can’t. That’s a lot to ask of anyone, even a close friend or family member. They have financial responsibilities of their own, and they are going to want to look at your financial situation and assess the risk of signing on for you. They may look at your state of affairs even more closely than the bank does.

What Happens If The Monthly Payments Become To Much?

If you’re unable to cover the month by month payments on time, then your friend will have to take over for you. That can strain your relationship severely, and you might not want to take that risk.

Instead, you may want to look for long term for bad history no guarantor applicants. Your choices are going to be limited. Let’s be clear about that. However, you do have a few options and there will be some lenders who will lend you money, despite your situation. You just have to be willing to do some searching and pay higher than average interest rates. Because of the risk you represent, the lenders will ask that you pay more in interest than someone using a guarantor or someone who has good credit.

Your situation is a risky one for them and you need to understand that. Once you do, you may be more willing to pay those higher interest rates the however aren’t guaranteed.

That doesn’t mean that the first you get approved for is your only or best option. It’s okay to shop around and see what a few lenders are offering. That’s the best course of action, but you do need to be aware that your choices will be few and far between.

Get an unsecured, no guarantor long-term loan even with poor credit!

Yes, you read it right! This is possible. In most cases where you have a poor credit history, the lender will require you to have a guarantor to secure the loan. But, what if you can’t find a guarantor? What if there is no one willing to promise to shoulder your loan when you can no longer pay for it? Other lenders may require you to have a loans security such as your house, vehicle or any asset you own that is valuable. But, what if you are not a homeowner? Or, perhaps you are not willing to put your asset on the line. In this situation, an unsecured no guarantor long-term loan is the most practical option for you. You’ll find a handful of lenders who are still willing to lend you the funds you need despite your poor credit history, but you must be willing to pay a higher interest fee.

This is how lenders compensate the high risk of lending you the money without any form of security or guarantee. In return, you can borrow the amount you need over a flexible term without damaging your credit record further. With a long-term loan for poor credit, you will have the access to a large amount of funds and you will be spreading out your monthly payments. This makes it easy for you to budget your monthly payments and other financial obligations without having a headache. The funds can help you settle other debts, consolidating them into one so that payments and budgeting are a lot easier. You may also use the money to spend for major house renovations, huge occasions such as a wedding, and so on.

We will help you find an unsecured long-term loan that will fit into your budget and circumstances without the need of a guarantor. No need for you to be a homeowner or pledge a valuable asset to take out a long-term loan for poor credit with us. We understand that you want to shop around and compare as much loan offers and lenders as you can. That is why we are here because we will do the search for you. We waste no time and we will provide you with the right lender for you in the quickest possible time.

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.