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Loans available to people with bad credit

If you have a bad credit rating and are having difficulty getting approved for a personal loan, there are a number of specialist lenders in this market who should be able to help.

Most high street banks refuse to lend to people who have experienced previous credit problems such as CCJs, defaults, bankruptcy, arrears or missed payments. However there are lenders who offer loans for people whose creditworthiness has been damaged.

Maybe a business venture failed and debts could not be paid, or perhaps a period out of work due to redundancy led to arrears building up. There are a number of ways in which a credit record can be damaged - even a forgetting to pay a parking ticket can lead to a County Court Judgement (CCJ) and that can have dire implications when applying for a loan.

Whatever is damaging your credit record, there is usually a way around it. The choice of lenders in this corner of the market has fallen dramatically in recent years, but there are still products on offer. 1st 4 UK Loans

ProviderAPR VariableCommentsDetails
22.1% Need urgent cash but are afraid of being rejected due to poor credit rating, you don’t own your own home or you do own it but fear repossession? These factors can make you unwilling to apply for a loan.

Unsecured Loans For You source and arrange unsecured personal loans of up to £15,000 with or without security regardless of previous credit history.

Representative Example
Borrow £3,000 and pay £114.73 per month for 36 months
The total charge for credit is £1,130.16
The total repayable is £4,130.16
32.7% Get Me Car Finance are a specialist car finance company that guarantee car finance to any individual whatever their financial background or circumstances.

Whether you have been refused car credit elsewhere due to CCJ's, poor credit history, self employment or any other reason, it doesn't matter. Get Me Car Finance have a package to suit everybody, offering a 100% guarantee that you can get that car.

The application process is simple: enter all your details and they will match you up with the best deal available for your situation.
Representative Example
The representative APR is 32.7% (fixed) so if you borrow £4,000.00 over 4 years at a rate of 15% p.a. (fixed) you will repay £134.00 per month and £6,732.00 in total (including 'option to purchase' fee of £300)
34.08% Self employed? Income hard to prove? Poor credit history? CCJs? Discharged bankruptcy? No problems!

Cus4Loans specialise in finding the right loan for you. They offer unsecured loans from £1,000 to £15,000 to both tenants and homeowners even if you’ve previously been turned down for a loan or have a bad credit record.

Fill in the no-obligation enquiry form on the website and they’ll match your needs to the most suitable loan broker or provider available with no upfront fees.

Whatever your circumstances, or however much you want to borrow, Cus4Loans can help.
Representative Example
Borrow £1,200 and pay £70.10 per month for 36 months
The total charge for credit is £482.30
The total repayable is £1,682.30
34.8% Whatever your financial requirements, Loan Solutions can help find the one solution that’s right for you. The large panel of 13 leading lenders means you are almost guaranteed finance, whatever your needs or circumstances may be.

They offer any purpose unsecured loans from £1,000 - £10,000 for homeowners and tenants and can help even in problem cases with bad credit history, CCJ’s, defaults and arrears.

The application process is simple with no fuss and approval is possible in as little as 40 seconds subject to all correct information being provided.
Representative Example
Borrow £1,200 and pay £70.10 per month for 24 months
The total charge for credit is £482.30
The total repayable is £1,682.30
Representative APR 34.8%
34.8% Do you need cash quickly? LoansPronto can help you secure an any purpose unsecured loan from £1,000 to £15,000 from a choice of loan providers and brokers suited to your criteria.

LoansPronto can help both homeowners and tenants even if you have a poor credit history or have previously been refused credit.

Apply today using the simple and secure application form.

Representative Example
Borrow £1,200 and pay £70.10 per month for 24 months
The total charge for credit is £482.30
The total repayable is £1,682.30
Representative APR 34.8%
49.9% Bad credit? No credit? Need a new car?

Fund My Vehicle offers a one stop solution for customers who have been unable to secure credit elsewhere, putting consumers directly in touch with car dealerships throughout the UK regardless of their credit history.

Apply today for a no cost, no obligation quote.
53.9% Is money tight? Do you need cash now? Kensington Direct could help you get up to £5,000 within 24 hours. Specialising in the credit needs of customers with less than perfect credit, Kensington Direct have access to multiple lenders with multiple products and are often able to assist you even if you have been refused elsewhere. Their lenders accept:

• Those who have been refused elsewhere
• Problem cases
• Judgements and defaults
• Poor credit / CCJs / defaults

Apply online using the quick, easy, and secure online application and receive approval within minutes.

Representative Example
Borrow £3,000 over 36 months at 53.9 % APR fixed
Payments would be approximately £151.19 per month
Total amount to be repaid would be £5,442.84
278% Pounds to Pocket specialise in 12 month loans of up to £2,000 for a variety of requirements and can help even if you have a less-than-perfect credit history.

Apply online in just five minutes from the comfort and privacy of home and get funds sent to your current account within 10 minutes of approval with nothing to fax and no extra paperwork.

New customers can also save 20% for a limited time using the special code CJ20.

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Representative Example
Borrow £500 and pay £79.09 per month for 12 months at a fixed interest rate of 140% per year
The total interest charge for credit is £449.01
The total repayable is £949.01
464.4% If you’re having trouble getting a loan, why not use your car as security? A log book loan from Mobile Money is a great way for customers to get cash fast, without the hassle of going through credit checks and banks. Mobile Money offer loans from £200 to £25,000 secured against the value of a vehicle using the logbook as security. There's no credit check and you will be considered even if you have a poor credit history.

• Need money quickly and in confidence?
• Want to avoid banks and financial institutions?
• Bad credit history or been bankrupt in the past?
• Want your cash within one hour?

Unlock the cash in your car with a logbook loan! Applicants must be 18 years or over, resident in England or Wales and the legal owner of a vehicle which is free of finance and less than ten years old.

Representative Example
£800 loan repayable over 18 months
Monthly payments of £134.11
Document registration fee of £30.00
Fixed annual interest rate 132%
Representative 464.4% APR
Total amount payable is £2,413.98
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