Just because you have a bad credit record, it doesn't necessarily follow that you are not eligible for a loan. In fact, if you're a homeowner you're unlikely to have any problems in getting a bad credit secured personal loan through us, whereby your home serves as collateral.

Your credit standing is considered bad if:
You have a county court ruling against you. You have defaults or arrears against your name. You do not have a statement to prove your income. You are self employed with no accounting record of your business. You were adjudged to be an insolvent by the law.

However, the good news is that there are several bad credit personal loans on offer to meet your financial needs at regular market rates without any additional charge and you can even improve your credit history.

Firstly, find out what shape your credit rating is in? Then apply for a bad credit personal loan at low interest rates through us. No matter what your past is, don't let it affect your future. Our panel of financial experts will offer you advice in choosing the right personal loan for people with bad credit. The rates offered are amongst the most competitive in the UK and a flexible repayment plan that makes repaying the loan a tension free experience.

Bad credit secured loans

If you have a home but sport a bad credit history, then your problems have an easy end. We offer bad credit secured loans. All you need to do to get a secured loan is offer your home as collateral. CCJs, arrears, defaults……nothing need worry you any longer, for our secured personal loans are designed to solve these problems. Our secured loans are cheap, quick and easy to avail. Now you can take a chance to fulfill your “to-do” list, because we extend ourselves to satisfy your needs.

Unsecured bad credit loan:

Just because you have a bad credit record, it doesn't necessarily follow that you are not eligible for a loan. In fact, if you're a homeowner you're unlikely to have any problems in getting a bad credit secured personal loan through us, whereby your home serves as collateral but if you do not own property or do not wish to provide any property as collateral, you can apply for a bad credit unsecured loan. The loan however will be provided at a rate slightly higher than that for a bad credit secured loan.

Your credit standing is considered bad if:
You have a county court ruling against you. You have defaults or arrears against your name. You do not have a statement to prove your income. You are self employed with no accounting record of your business. You were adjudged to be an insolvent by the law.

There are several bad credit personal loans on offer to meet your financial needs at regular market rates without any additional charge and you can even improve your credit history.

Firstly, find out what shape your credit rating is in? Then apply for a bad credit unsecured personal loan at low interest rates through us. No matter what your past is, don't let it affect your future. Our panel of financial experts will offer you advice in choosing the right personal loan for people with bad credit. The rates offered are amongst the most competitive in the UK and a flexible repayment plan that makes repaying the loan a tension free experience.

What can I use the loan for?

Our loans have no restrictions for purpose... holidays, home improvements, car... we specialize in clearing your existing debts.

Anything you like! We specialize in clearing your existing debts but you could also use your low cost personal to help you:

  • Buy a new car.
  • Take that luxury holiday you promised yourself.
  • Do those home improvements you really wanted.
  • Pay off credit card or store card debt.
  • Consolidate your debts to put you back in control of your life.