Loans For All Credit Ratings Made Easy

The quick answer is YES

• The way our lenders work is that you are required to get a friend or family member to be your guarantor

• So long as they have a good history our lenders are not concerned if yours is not good*

• By guaranteeing your borrowing, your friend or family member basically agrees to make the payments if you cannot

• If your friend or family member trusts you, and you demonstrate to them that you can afford the repayments, there is not be a problem

• *Note: our lenders cannot lend to those who are formally insolvent (IVA, Trust Deed or Bankrupt).

We get quotes from the best selection of bad credit lenders in the UK, specific criteria is therefore subject to change and may slightly vary, but the following summarising the primary criteria:

1. Over 18 years of age (max of 65 for above £500)
2. Income over £100 per month including benefits (over £500 only)
3. UK Resident (excluding Isle of Man)
4. Not insolvent (IVA, Trust Deed or Bankrupt)
5. Have a UK bank account and a debit or credit card
6. Have a friend, colleague or family member with a clean credit rating who can be your guarantor

1. Good (or marginally imperfect) credit rating
2. Tenant or homeowner (homeowners will help you get borrowing over £5,000 plus better rates)
3. Income over £400 per month for £50 to £500 or £500 per month for £500 to £10,000.

Over 10% of people who take out this type of loan did not think initially they would be able to find someone to act as their guarantor

• People often tend to be more helpful than you think, and if you have a decent reason for needing the money and demonstrate that you can comfortably afford the repayments, then you’d be surprised how many people may say yes.

• All you need to do is ask!

• Remember that your social network is larger than you probable think, consider all your friends, family members and relatives, work colleagues; sit down and make a big list, then start asking people

You will be checked simply to make sure you are not insolvent (IVA, Trust Deed or Bankrupt)

• Missed payments, CCJ’s are not a problem, so please be relaxed about this.

• Your friend, colleague or family member who is guaranteeing your borrowing will though be checked and a clean history (or very marginally imperfect) for them is important

From our range of lenders you can borrow from between £50 and £10,000

• £50 to £750 short term for up to a month

These  are designed for short term emergencies for a maximum of one month only. The application process is fast and it’s possible to get your cash in one hour. Apply Now

• £750 to £10,000 longer term from 24 to 60 months

Available from 12 to 6 months, these are more cost effective than the short term options. The application process is also quick with loan pay outs as quickly as 24 hours. Apply Now

To find out how much it cost with our calculator  will give you an approximate cost across all our lenders. Please note there are

• No enquiry fees
• No early repayment  fees
• No broker fees (we are paid by the lenders)

Anything! Unlike a high street bank, our lenders are not concerned about what the money raised will be used for, (though we do encourage responsible borrowing). Typically people use the loans for:

• Replacing or repairing a car or vehicle
• Home maintenance and repairs
• Emergency cash to last to the end of the month
• Debt consolidation, such as paying off expensive payday finance and credit cards
• Holidays
• And much more…..

As quickly as 1 – 24 hours depending on how much you are borrowing

• Small loans from £50 to £750 are available in as little as 1 hour!

• The streamlined application process and all you need to provide is your debit card details and your guarantors contact details for you to receive your cash directly into your bank account in as little as one hour!

• Larger loans from £750 to £10,000 can be with you as quickly as 24 hours from the time of receiving your completed application.

You can make an overpayment at any time you wish

• the interest is calculated on a daily basis so every time you do pay back more money, you will greatly reduce the overall cost of your borrowing

• You can also settle at any time and for all our lenders there are absolutely no penalties for early repayments*

*This was true at the time of writing, though please always double check your offers terms and conditions as lenders occasionally do make changes

Yes, getting finance and paying back as promised with no missed or late payments will help

• On your file lenders can look back as far as 6 years, and look at any missed payments and CCJ’s, also loans that you have honoured and paid back successfully

• As a result you will have a better choice at better interest rates in the future.