Tenant loans are available to people who do not own their own home and therefore cannot offer any security against a loan. A tenant may be renting either privately, from the council or from a housing association, or lives with parents or relatives. Tenant Loans are considered to be much riskier propositions by the banks who often shy away from lending to tenants. Express Finance has many years of experience in helping tenants to find the best loan, no matter how bad their credit record is. Because of our experience we often succeed in finding the right loan where others have failed. Unlike other brokers we would never charge an upfront fee.

Debt consolidation loans are undoubtedly a very popular way to manage existing debts. Essentially, a Debt Consolidation Loan allows the borrower to group together a number of credit cards and loans, resulting in one, often lower and more manageable monthly repayment.

Bad Credit Loans are for those who have less than perfect credit history and therefore are being refused for a loan from their own bank. It may be something simple such us not appearing on the voters roll. Or the problem may be previous loan or credit card arrears, defaults or CCJs. Because of our long experience in this area we are often able to help in finding a loan where other companies have failed. We have a lender for every situation and therefore Bad Credit, Arrears, Defaults and CCJs are no problem for us.

Secured Loans are available to those who own their own home on which the loan can be secured. With security being offered by the borrower the lenders are more likely to approve  the loan, even there is bad credit and arrears. The interest rates are generally lower than those for unsecured loans and therefore are particularly suitable as consolidation loans.