FREE QUOTES FOR BAD CREDIT LOANS

Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
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COMPARE LOANS

Applying for a loan may seem challenging. You need some extra cash but the choices can be overwhelming and hard to understand with jargon like APR, secured, unsecured and so on. Its hard to know where to begin. We can help...

We can advise and help you choose the right loan for you, from personal loans to homeowner loans. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your loan and give you a full detailed breakdown along with lender details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Bad Credit Loans

SECURED LOAN LENDERS

(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews

THE ACTUAL RATE AVAILIABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. PLEASE ASK FOR A PERSONALISED ILLUSTRATION.

LOANS MAY BE SECURED ON YOUR HOME. YOU WILL HAVE TO PAY EARLY REDEMPTION CHARGES THIS WILL VARY. A VARIABLE RATE LOAN MAY GO UP OR DOWN IN LINE WITH THE BANK OF ENGLAND BASE RATE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A BROKER FEE OF UP TO 15% OF THE AMOUNT BORROWED WILL BE CHARGED ON SECURED LOANS.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO MONEY ADVICE SERVICE.

Secured

Secured Loan
(Homeowners only)

FROM £10,000 - £1,000,000

RATES FROM 4.30% APRC

REPRESENTATIVE 16.9% APRC VARIABLE

Representative Example - If you borrow £12,000 over 4 years at a Representative APRC of 16.9% and an annual interest rate of 16.9% APRC (fixed) you would pay £345.64 per month.

Total charge for credit will be £4,590.72
Total amount repayable is £16,590.62

PLEASE SEE THE ABOVE TYPICAL APRC REPRESENTATIVE COVERING ALL THE LOAN PRODUCTS WE PROVIDE AND SOME OF THE LENDERS LOGOS WHO WE WORK WITH. (RATES AS OF 16/01/2017)

Bad Credit Loans

Searching for a bad credit loan can be something of a minefield, particularly online. There are many companies supposedly offering bad credit loans but there is much information that you will need to read and digest before committing to both the application and the small print prior to accepting the loan.

The reasons for applying for a bad credit loan are many. You may be in arrears with some repayments, you may have picked up a CCJ [County Court Judgement] or may have other factors on your credit file that will impact on your ability to apply successfully for a normal high street loan. Many people in the UK have a less than perfect credit score and this does not carry the stigma that it did many years ago. For that reason, along with the financial crisis of ten years ago and the poor economic conditions, lenders have had to adapt their borrowing criteria significantly to be able to offer bad credit loans. Often it simply is not your fault that you have a poor credit history and lenders are now more sympathetic than ever before.

Applying online for a bad credit loan is simple. Personal details such as name, address, date of birth along with housing and work status are essentials. The bad credit loan application will also require expenditure and income details to assess affordability of the loan. Once these basic details have been submitted the loan company will carry out a basic credit check to see your credit file then will make an assessment of your suitability and ability to pay back the bad credit loan. Some lenders may want the loan secured on your property, others may offer an unsecured bad credit loan.

PLEASE WAIT

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