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Apply to Borrow £1000 to £25,000*




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  • Apply For £ 50 – £ 1,000
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  • No Fees
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  • Available 24/7
  • Bad Credit


Personal Loans


Do you need fast cash assistance for your business? Do you need additional capital funds? Do you wish to pay you credit cards? Then you need to apply for a personal loan. A very flexible loan of all. You get to choose the time you wish to pay the lender back. This is the kind of loan wherein you could get the cash assistance the same day without complicated requirements at all. very convenient and hassle-free.


Short Term Loans


If you need fast cash today then short-term loans will be able to help you out. If you need to pay hospital bills then with this loan, you will get the cash assistance the same day. There’s no need to wait for days or even for weeks just to get the money you need. However, it is important that you are employed to be legible for this loan. With this loan, you have to pay the lender back within a year. It usually has a high-interest rate.


How Will My Application Work?

Secure Process

We will never sell or exchange your info to other online owners. Unlike other lending companies today, we will never share your contact details and info online. We value our clients’ details and contact information at all times.

Paid Into Your Account

You will get the cash you need the same day. We will deposit it into your bank account within the day and you can withdraw at any time you want. There’s no need to go to the bank just to get the cash you need. An easy and simple transaction at all times.

Credit Problems*

We will provide you with the best loan even if you have issues with your credit line. If you have issues like having a bad credit then you will certainly find the best loan from us. We will help you get the cash help you need with assurance and all.

Back in the day, getting access to credit when your score is bad is next to impossible. Lenders have been known to reject borrowers outright if they do not meet their required credit rating. Bad credit scores are often seen by lenders as a sign that a borrower is a risk and may not have the ability to pay back a loan. Standard lenders have since imposed more stringent eligibility borrowing requirements to weed out the less ideal borrowers.

How to apply for a bad credit loan

A poor credit should not prevent you from accessing a short-term bad credit loan especially when you have a dire need for one. These days, a number of lenders in the UK are more than happy to accommodate loan request even from bad credit score borrowers. Offering loan options that less stringent, simpler, and with considerably faster processing time, this has made loans more accessible to more borrowers.

All these lenders need is gather the personal and financial information of an applicant and then assess them. Decision is often fast where most direct lenders can get the loan approved within a day. These lenders are already well aware of the fact that your credit score is not impressive to begin with. So, expect that they will be looking into other facets of your personal and financial life when determining whether you are worth lending money to or not.

Poor credit loans and credit checks

It is necessary for every lender in the UK to perform a credit check so, expect that a credit check will still be performed when you apply even for a bad credit loan. The only difference is that it is just but a soft check. This means that unlike the hard credit enquiries that standard lenders perform on standard loan applications, a soft credit check will not show up on your credit records. So, it is not going to impact your credit score even more.

Poor credit loans and interest rates

Understand that lenders are taking considerable risks to offer you a loan despite your credit score. It is expected that they will put in security measures to mitigate these risks too. One of these is to charge higher interest rates. So, if you are applying for a loan when your credit is bad would often mean getting charged with a considerably more expensive interest rate, something most borrowers would be willing to overlook as long as they get access to extra funds. 

Bad credit often makes it challenging to get access to certain forms of financing. Your options will be limited. However, it is still possible to get access to some much-needed cash even when your credit score is less than attractive.

There are a number of reasons why you’d have a bad credit. How you have managed the debts you took out in the past will often have a lot to do with it. You may have missed some payments, you could have declared bankruptcy in the past, or you may have defaulted before. Having an IVA or a CCJ against your name is going to affect your credit score as well.

Importance of credit score

The decision to approve or reject your loan application depends considerably on your credit score. Good credit rating will allow you to have more loan choices at much cheaper rates. A bad credit rating will mean less loan choices for you and interest rates are likely going to be high. Meanwhile, not having any credit means not getting the best deals since there is no track record with which lenders can assess you by.

Where to go for bad credit loans

Just because most lenders will likely reject your loan application because of your credit score does not mean that every one of them will slam the door at you as well. Fortunately, there are lenders who are willing to loan you money despite your bad credit. Loans of this type are typically similar to secured or personal loans. The only difference is that they come with more expensive rates.These lenders can consider applications from bad credit borrowers more than other financing institutions. Oftentimes, they advertise their bad credit loan offers too. These types of lenders are more likely to accept your loan application despite your dismal credit score. Getting approved for their loans can even help build your credit score along the way.

To get a bad credit loan, you can refer to a credit union where you are. They often charge loans at 3% a month. You do need to be a member of these credit unions to be able to borrow, which can be a downside if you are in need of money fast.

You can also take advantage of guarantor loans where risks by lenders get mitigated by the presence of somebody that will guarantee the loan payments. Credit cards for bad credit can be another alternative which allows you to avoid interest while also improving your credit record in the process. In addition, there are also peer-to-peer loans which give opportunities for bad credit borrowers to secure a loan and are known for their cheaper rates.