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

Small long term loans for the United Kingdom


small long term loansYour past may be full of financial difficulties and banks may be turning you down, but that doesn’t mean you need to throw in the towel on getting any finance that you need. You can still find a long term loan, even with a previous poor history.

Your best bet for a long-term agreement while having bad history would be to find a guarantor to consign the agreement for you, but even if that’s not possible, there are still long-term deals for bad credit with no guarantor needed.

Your Options
There’s always options open to you when applying to installment loans, you defiantly must find out what they are. While a guarantor would help your case and make it easier for you to get that long term when you have poor, it is not the only way. You must understand that there won’t be as many long-term loans open to you if you’re score is poor, but there are still some possibilities. You’ll have to go outside the banks for that kind of money, though. Even your own bank where you do business is going to turn down your application because you’re poor credit. They want someone who won’t be a risk to them, and your rating tells them how much of a risk you are.

So, you should be looking for lenders who either won’t check your score or who will still give you a cash regardless of your rating. If they do check your score, then they are going to penalise you for a bad score. That means your interest rates may be higher and you may be denied for certain types of finance.

You are less likely to be approved for a long-term unsecured finance agreement than a short-term cash when you suffer from a poor history. However, if you’re sure you need a long-term loan, you will just have to do more searching. Not all the lenders offering a long-term loan to you without a guarantor attached will be offering you terms you will find acceptable. You don’t like the terms, then don’t agree to them. Keep looking until you find a agreement that fits your budget. Just know that your options are limited when you search for long terms for bad credit with no guarantor.

For small guaranteed loans follow our link Here.

Protect Yourself
Before you sign up for any cash, you must know for sure what the terms state. You must know what’s expected of you, how long have to repay the monthly payments and how much you will be paying. You pay back the agreement easy and faster than the agreed upon terms state, then you can save yourself some money in interest. You at least need to keep to the minimum payments, though. You may not be able to repay the loan all at once, and that’s okay. Your scores will still be maintained just by keeping up those minimum payments.

If you fail to make the payments on time, then it is going to hurt your rating and make you less likely to be eligible for cash in the future, as well as other financial opportunities at cheap rates.

Start making payments on the agreement and you see that you will be late on a payment or not be able to make a payment, then you must get help right away. Talk to the lender and see about renegotiating the terms of the finance or try to get some money from some source outside your regular income. Whatever you do, don’t let this new agreement hurt your rating further.

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.