Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
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  • Bad Credit




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




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: £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 236.1% pa (variable). Representative 481.6% APR.

Unsecured Bad Credit Loans

What is Unsecured Loans while very simply it is a loan specifically designed for the bad credit market. What is the bad credit market while this is a section of the finance industry that is specially designed for people the suffer with bad credit.

Do I Have Bad Credit?

Its surprising how many people don’t actually know what credit status they actually have when applying for a loan, and are surprised to find out that they do have bad credit or that you have really good credit so how do I find out is really really easy for ED to go onto the experience website you get a free trial there truly details and you find out what your credit score it’s. Credit scores are out of 1000 to anywhere from 600 and above as a general you’re in the good to really good credit score range try it before you look at a payday loan site you may be entitled to a better rate product from the lenders themselves.

Anything below 400 you start entering the realms of poor credit unfortunately this will then tend to reflect in the APR and interest the you will end up paying on your finance agreements. Surprisingly people don’t understand how they have ended up with a poor credit record to give you an idea if you miss some of your monthly repayments to some of your creditors i.e. credit card car loans this will result in your credit score being affected every month that you miss or are late with your full payment they put one against your credit for should you miss the following month as well that’s a two and should you miss a month after that at three and someone this will then cause your credit score to plummet dramatically the best way to avoid this is to make sure your payments are kept up-to-date on on a monthly basis, should you not be out to make a monthly payment on time I would suggest you contact your creditor at the earliest chance.

It is also worth noting should you disagree with something on your credit file you can contact experian directly to dispute this they will add a dispute to the item in question on your credit file which advises finance companies that you do not agree with the mark.

What If I Have Good Credit?

Good credit is a different ball game within the finance market it allows you to get a better interest rate which will result in you paying a lot less back to the finance company.

What Difference Does It Make You Have Bad Credit?

Where will actually make quite a big difference to yourself and the lender from the lender’s point of view they’re gonna look your credit file and see that you haven’t met we credit obligations i.e. you said you can pay back £300 a month to HSBC for example and you haven’t made those payments each month on time and by the full amount this will then mean that you are a greater risk of sea risk is something that I need to take into account when lending people money as it quickly go bankrupt if they didnt.

So from your point of view if you do have bad credit you should expect to see higher interest rates higher amount payable and a lot fewer lending options available to this is pretty normal unfortunately if you are suffering with poor credit. A lot of people asked me how do they get out of having poor credit there is an air quick solution out of this problem you do need to obtain more finance and make sure you meet your monthly credit obligations one suggestion always tend to make two people is get a small credit card and put your petrol on the every month clear that credit card and that will improve your credit score each month slowly but surely unfortunately there really is not an overnight fix for this problem.

How Long Will It Take To Improve My Credit File?

From speaking to the credit file companies such as Experian I’m advised that it takes roughly 6 months to start see an improvement in your credit file that is six months of on-time full payments made each month.

Obviously these esteemed suggested people is to keep up your credit agreements by appreciate that some people throughout their lives fall on hard times and this is and always an option to this is why we specialise in speaking to lenders that work with people with poor credit and provide a better interest rate and some of the more unscrupulous characters within the market. We will always make sure there is no upfront fees to be paid to make an application for an approved loan or anything of that nature dealing with us it was clear and transparent and will always put forward to the best option possible for yourself. The next step is really simple once the lender has your application and feels you as a customer fits within their criteria they will contact you by phone to discuss a few of the options to make sure the loan is right for you.

So please be aware you will be asked how long you want loan for when you like to make payments your bank details and when is the best day view to receive.