Finances for the Poor
We are a direct UK lender that specializes in assisting people with less-than-perfect credit. Apply for up to £15,000 today, even if you've never had a loan before.
had a bad credit history
If your credit history has had some hiccups in the past, such as missing a payment on a debt, whether it's an overdraft, credit card, personal loan, or even a mortgage, A low credit score may make it more difficult to obtain new credit in the future.
We provide loans ranging from £1,000 to £15,000 over 2 to 5 years and specialize in assisting those who have previously struggled with credit. Our application form is only a few minutes long, and we use soft search technology, so your application will not negatively impact your credit score. We also consider factors other than your credit history, allowing us to work with people who have less-than-perfect credit.
Simply fill out our simple online application form to see if you are eligible for one of our loans.
Applying for a loan with us takes only 5 minutes, and we offer soft search loans, which means that applying with us will not affect your credit file if you are unsuccessful. We specialize in loans for people with bad credit, so even if you've been turned down before, we might be able to help.
All of our loans are subject to credit approval and affordability.
Complete our brief
form of application
Make a preliminary decision.
Visit your local branch.
to finish your loan
- Applying with us will have no effect on your credit score. We use Soft Searching Technology, which means that even if you are unsuccessful, your credit file will not be affected.
- We provide loans to people with less-than-perfect credit. You must be over the age of 18, a UK resident, and able to make repayments.
- We are not a broker, but rather a direct lender. We will NEVER charge a fee to review your application.
- We'll make a conditional decision in minutes.
- You can borrow from £1,000 to £15,000 for almost any purpose, with terms ranging from 18 months to 60 months. Loans that are not for commercial, gambling, or illegal purposes APR up to 299 8%
In some cases, a mark on your credit history can last for 6 years or more, but a lot can change in that time. We believe that people with poor credit deserve a second chance. That is why we provide loans to people who have had credit problems in the past. Whereas other lenders and banks would turn you down, we can consider a broader range of credit scores and situations.
You must be over the age of 18 and employed to be eligible for one of our loans; however, we will consider other factors when reviewing your application.
Customized Local Lending
At each of our local branches, we have a team of experts who can assist you. If you receive conditional loan approval from us, they will schedule a face-to-face meeting to finalize the offer. During this meeting, we will get to know you better and go over your financial habits, financial obligations, and unique circumstances. This enables us to serve a broader range of customers than lenders who rely solely on automated credit scoring.
During our meeting, we will decide whether or not we can make you a final loan offer. If you are accepted, a member of our team will explain the offer and finalize the loan.
Everyday Loans offers responsible loans to all of its customers. Our goal is to be fair and honest with every potential client and to assist those who qualify in obtaining one of our loans.
We meet with each of our customers to go over their loan offer and explain the terms of the agreement. We also conduct a thorough examination of each individual's financial situation. All information gathered during this meeting is secure and processed in accordance with UK GDPR and DPA regulations.
During the meeting, we ask all of our customers a series of financial questions and ask that they provide the most accurate information possible. We also encourage people to do some research so they can understand common lending terms and concepts like APR and credit score. If a potential customer does not understand something, our experts will gladly explain further.
We also ask customers to notify us if their financial situation changes. For instance, if they have an unexpected expense and are unable to make a payment. In such cases, we can collaborate to find alternative loan management arrangements.
Everyday Loans may be able to assist you if you are having difficulty obtaining an unsecured loan due to poor credit. We provide a personal approach to lending to our customers, so why not contact us today or start your application?
Let us begin with the term "bad credit."
The term "bad credit" is frequently used to describe a person's credit score that is less than perfect. However, it is critical to understand that your credit report is not measured by brackets such as "good" or "bad," but by a number or value that fluctuates based on a variety of factors.
A poor credit history, or a low credit rating, can frequently prevent you from obtaining loans from high-street banks or building societies. This makes purchasing a new car or converting that loft into the room of your dreams extremely difficult. This is where a 'bad credit loan' can help. This type of financing is intended for anyone seeking credit but unable to obtain it from traditional lenders due to a poor credit history.
If you've had credit problems in the past, it may be difficult to obtain a loan from a major high street bank. Our loan product is intended to assist those with less-than-perfect credit. Loans with bad credit typically have higher APRs than traditional loans, but specialist lenders like us are more likely to be able to assist you if you've had problems in the past.
APR stands for annual percentage rate, and it essentially represents the cost of a loan. For example, if you borrowed £1,000 for a year at 10% APR, you would repay £1,100. This is the fundamental premise of APR. However, it is not quite as simple as that due to compound interest, which you can learn more about on the ThisIsMoney website. When you apply with us and are accepted, your APR and repayments will be explained in plain, simple English.
Taking out a loan does not improve your credit score on its own; however, if you make your payments on time every month without any problems, your credit score will improve. Lenders like to see potential borrowers manage their accounts well because it shows that, even if you had problems in the past, you are now making regular payments, implying that those problems are behind you.
Some lenders place a mark on your credit file every time you apply to show that it was searched. Too many of these can imply to future lenders that you were having difficulty obtaining financing and that they should be cautious in lending to you. We use Soft Search Technology at Everyday Loans, which leaves no marks on your credit file that other lenders can see.
Interested in learning more about Everyday Loans and our loan process? Here's more information on applying for a loan with us. It's important to remember that our process is intended to be simple and straightforward, with the assistance of a customer account manager who provides you with the necessary information.
You must be a UK resident, over the age of 18, and have a bank account in the UK. Aside from that, we require that you be employed. You may decide to apply for a loan, particularly for debt consolidation, home improvements, and other purposes. As a responsible lender, we conduct a creditworthiness evaluation. This means that we try to understand your financial situation so that you only borrow what you can afford to repay. If you meet the requirements, you can apply now without affecting your credit score due to our soft search technology - you will not receive a mark on your credit file.
We certainly are. Our physical headquarters are in the lovely village of Bourne End (in Buckinghamshire). We specialize in assisting people who have poor or bad credit.
Our procedure is straightforward, simple, and effective. If your application is initially approved, you will be given conditional approval. Following that, we send your information to your local branch and schedule a meeting with a friendly advisor who will complete the loan for you. It's a simple procedure, and the funds will be available to you shortly after your meeting concludes.
They certainly are. While your loan term and monthly payment are fixed once the loan is booked, the loan options we can offer range from 18 to 60 months, £1,000 to £15,000, and everything in between. Apply today to discuss your options.
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