Did You Know That Small Personal Loans Could Still Be Available to You Even if You’ve Been Refused Credit Before?

Sometimes we all need a bit of extra cash to see us through a difficult time and if you have a poor credit history this can be difficult to arrange. Perhaps you have received an unexpected bill or you need money for car repairs or home maintenance? Whatever the reason we’re sure we can help you.

Our lenders aren’t like other ‘payday’ small personal loans specialists with high interest rates and very short terms; our lenders offer sensible loans for people just like you.

It sounds perfect but how does it work exactly?

It might sound too good to be true but it really isn’t. Our lenders use a different system to ensure your suitability as a borrower which allows them to offer loans of up to £10,000 with a competitive APR.

In order to be eligible for a loan you will need a guarantor; someone who is prepared to act as a backer when you apply. This person will be responsible for the repayments on the loan in the event that you are not able to pay them yourself.

Who can be a guarantor?

Anyone can act as a guarantor, although we would usually expect it to be a friend or family member, as long as:

  • They are aged between 18 and 75 for the duration of the loan term
  • Are a UK resident
  • Are not financially dependent on the applicant
  • They have a good credit history

It is very important that the person you ask understands the implications of the role and that they are ultimately responsible for the repayment of the loan. This is not something that should be taken lightly.

It might just be a small loan now but can you borrow more in future?

Absolutely! Our lenders report to the major credit agencies as you make your repayments so as long as you do this promptly and within the agreed timeframe your credit rating will improve over the borrowing term. This should allow you to apply for a larger loan in future or even make you eligible for more traditional lending.

If you’d like to know how much you can apply for now and the cost of the repayments you can use our loan calculator which should give you a good idea what sort of money you will be able to borrow.

Are you worried about what happens if you can’t afford the repayments?

Our lenders are very careful during the approval stage of the application that the amount you are borrowing is affordable. They will look at your individual circumstances and make sure you are not stretching yourself financially. However, we all know that things can go wrong and lives can change so you might find yourself in a position where you can’t afford the repayments.

Don’t panic. It’s very important that you inform your lender as soon as you can that your situation has changed. They will work with you to try and create an alternative repayment scheme if that is possible. If, however, you are unable to work something out they will expect your guarantor to make the payments on your behalf.

Helping you borrow money

  1. Bad credit rating OK

  2. Affordable rates and fees

  3. Fast application and payout

  1.   One application to multiple lenders
  2.   No broker or application fees
  3.   No early redemption fees
  4.   Secure online application

how much

How it works?

Quick application for £50 to £12,000
no risk free
  • No credit checking*
  • No obligation to take out finance
  • No application fees
  • Secure online application

4 Easy Steps

1. Calculator

Calculate how much you can afford to borrow and for how long

2. Easy Online Form

One quick online form to our panel of multiple lenders

3. Multiple Offers

Receive a choice of no obligation offers from multiple lenders

4. Get Your Money

Send off your preferred offer and get your cash

Save time with one easy online form

Why spend time filling out lots of different forms to numerous lenders?

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With us you just fill out one easy form

Borrowing + interest & fees of = Total to repay
* Based on repaying after 30 days

Borrowing over your repayments will be approx. per month and in total. For actual figures hit Get My Loan to get a choice of free, no obligation loan offers from the best bad credit loans lenders in the UK.

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