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
we have been able to help in the past people with Bad Credit, Arrears, Defaults and CCJs.
Before you start looking for a Bad Credit Loan it is advisable that you determine what is the problem that
prevents you from getting a loan. Express Finance offer a very useful tool that would help you access your credit
report. In the first instance study it carefully to make sure that there are no errors. If there are you can ask
for them to be corrected. After any corrections are applied it is important to work out whether whatever issues
caused you to fall behind with the previous credit arrangement have now been resolved. It is important that you
complete a detailed budget.
List all your outgoing, your rent or mortgage, your existing loan repayments, your
daily living costs, food and other regular expenses. It would highlight whether you spent too much and on which
items. If you spent more than you earn it is an indication that the problem persists and a new loan is unlikely to
help you. In such a case you should be looking to consolidate some credit or curtail your expenses in order to
reduce your outgoings and make them more manageable.
Then all you need to do is complete our Express Application Form,
the application is submitted to all the suitable lenders while you are on line and you will receive an immediate
decision.
Alternatively, if you would like to discuss your application before you apply feel free to call us anytime.
Our opening hours are 9 am to 8 pm Monday to Friday. We do not use expensive premium lines. If you are calling from a land line
our cheap local call number is 0845 519 0969. If you prefer to call from your mobile the cheapest number to call is 01489 780538.
Alternatively call us and ask for the call to be reversed.
Bad Credit Loans at a glance:
- Borrow any amount from £100-£15,000
- Spread the repayments from 6 months to 10 years
- Homeowners, Private, Council and Housing Association Tenants, those who live with parents and those who
live in accommodation supplied by the employer qualify
- Our lenders are sympathetic to past credit problems
- There are no penalties for early repayments
- The entire application can be completed online or on the phone
Whether you chose to apply online or on the phone you will be given an instant decision and the funds could be
available to you within 24 hours. We never charge upfront broker fees and we do not ask for your debit card details.
WARNING: Late repayments can cause you serious money problems.
For help, go to moneyadviceservice.org.uk
