Last Updated:
January 18, 2020

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UK Loans – Bad Credit
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Unsecured Loans For Bad Credit – An Introduction

An unsecured loan is also called a tenant loan, a signature loan or a personal loan – they are all the same thing. Quite simply they are loans that are granted to an individual on trust and do not require any form of collateral to be signed over to the lender as a guarantee that the loan will be repaid. There’s no security needed and so you don’t need to be a homeowner to apply for an unsecured or personal loan but instead the lender relies on the promise of the applicant to pay it back. Of course, if you Keep Reading >>>
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Bad Credit Loan Broker

A bad credit loan broker is a financial professional prepared to match clients who are struggling with a less than perfect credit rating with reputable lenders prepared to lend to those with a poor credit score, in order to establish the completion of secured or unsecured loans. When shopping for the best rates offered in the UK, a loan broker will assist the borrower in finding an established lending institution, which will provide an affordable secured or unsecured loan option, based on individual needs and ability to repay. Using a loans broker with an online service means that everything can Keep Reading >>>
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No Credit Check Loans

No credit check loans are ideal for those with a bad credit history (or rating) because the acceptance of a loan application is not based on a customer’s credit score. Finding a lender prepared to loan money without any form of credit check or UK lenders that do not perform credit checks on loan applications is pretty hard these days unless you are able to secure the loan in its entirety. However, there are still options available – a few of the main ones are listed below. Guarantor Loans Designed for those with a bad credit history who are struggling Keep Reading >>>
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How Does A Pawnbroker Loan Work?

Whilst the origins of pawnbroking date back 3,000 years to ancient China, pawnbroking really took off in Britain during the 1800s. The Pawnbrokers Act 1872 was reformed and modernised by the Consumer Credit Act 1974, which regulates all credit agreements of up to £25,000. Pawnbroking took off again during the 1980s and 1990s due to recessions and money problems. So, just how does a pawnbroker loan work? A pawnbroker loan works on the simple concept of lending money to a customer based on the provision of collateral, such as jewellery, valuables or electrical appliances. The valuations do tend to be Keep Reading >>>
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Are Logbook Loans Good Or Bad?

Any quest for bad credit loans will undoubtedly have unearthed adverts for logbook loans which are often advertised as no credit check loans or guaranteed loans for bad credit but what are they and how do they work? Logbook loans are also called V5 loans and provide access to cash that’s secured against the value of a car or other vehicle and the logbook or V5 registration document is lodged with the lender until the loan has been repaid in full. This means that anyone who owns a car can often get a loan… too good to be true? Any Keep Reading >>>
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What Bad Credit Loan

  Credit crunch, sub-prime lending, bad credit loans UK, recession … some of the most widely used terms over the last few years or so. In simple terms the credit crunch is a crisis caused by banks being too frightened to lend money to each other or us. When they do lend they can charge higher interest rates to cover their risk. So where does these leave those of us whose credit history is less than perfect? Maybe it’s the credit crunch that’s caused you a recent bad credit history or maybe it’s the reason you’re looking to re-mortgage or Keep Reading >>>
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Get A Loan With Bad Credit

  In these days of economic hardship more and more people are affected by an adverse credit history making it difficult to obtain any form of finance. Whilst it may not always be straightforward it is still possible to get a loan with bad credit. Most people owe money to some extent but owing money in itself doesn’t necessarily result in a bad credit history – quite the opposite is true in fact as managing your debts responsibly and paying back on time and in accordance with the original credit agreement gives lenders confidence in you and hence rates you Keep Reading >>>
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Do I Really Need A Loan?

Alternatives To A Bad Credit Loan Before you take out any loan, let alone a bad credit loan, always ask yourself “do I really need to borrow money?” Sure, you may need cash fast and you may see no alternative to applying for one of those high interest short term loans we see advertised everywhere but are you sure you can comfortably repay the loan without leaving yourself in difficulty again and are you certain there’s no other way? Save Up If there’s something you need or want and you’re thinking about borrowing to get it then consider if there’s another way Keep Reading >>>
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What Is Bad Credit

Credit history or credit report is a record of an individual’s past borrowing and repaying, including information about late payments and bankruptcy. Whenever an application for credit is made, be it from a bank, building society or other financial institution, a store card or credit card company, the information is forwarded to a credit reference agency. The credit agency checks the name, address and other identifying information of the applicant with the information already held in its files. It’s therefore very important that any information held is accurate as it will affect the applicants ability to obtain credit facilities This information is used by lenders such as credit card companies to Keep Reading >>>
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Bad Credit History – The Causes

The demand for bad credit loans is on the up as more and more people struggle to retain a perfect credit history and lender confidence but just what factors can cause such problems? Every time you apply for any form of credit the lender will do a credit check in order to check back on your lending history and to make sure you have always paid your creditors in a responsible manor. If you have then they are confident that you will treat them the same and are likely to lend but if they see historical issues and problems then Keep Reading >>>
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