Bad Credit Loan
- Apply for up to £12,000
- Credit Problems OK
- Non Homeowner Guarantors accepted
- Multiple Loan Options
- No Fees or Charges§
- Can be paid within 24 hrs
Unsecured Loans of £100 to £12,000
If you have a credit problem and are struggling to find the unsecured loan you need then a so-called no-credit-check* loan may be the answer. While the lender will look at your credit file to check your identity and to ensure you aren't bankrupt or on an IVA less reliance will be placed on other items in your credit file for the lending decision.
|Credit score less important||Multiple loan options|
|No upfront charges||Instant enquiry response|
The difference between credit checking and credit scoring - more info
The way to borrow without a credit check* is for you to have someone who will act as your guarantor - someone (e.g. parent, relation, close friend) who knows you better than any credit check or score ever can.
We now have access to no credit check loans* from multiple sources through a single enquiry form - and you'll get an immediate in-principle decisions. You can then continue using a lender's e-signature service. It has become possible to get a no credit check loan* within 24 hours.
If you can get an acceptable guarantor then, subject to affordability, you stand a good chance of being able to get a loan.
The guarantor confirms that they will pay off your debt should you fail to do so (electricity and gas companies have used the guarantor method for decades). But you must ensure that the guarantor knows you well and that they fully understand their obligations.
If right now you don't think you would be able to find a guarantor then consider this - over 10% of actual borrowers also initially thought they couldn't find a guarantor!!
You don't have to find your guarantor before you apply. That can be sorted out later.
* the lenders will check your credit file to verify your identity and to ensure you are not bankrupt or involved in an IVA. This search will be registered on your credit file. However, many guarantor loan lenders will not use the other information in your credit file to credit score you, or if they do credit score you this will not necessarily impact you since you provide a guarantor. Loans are always subject to affordability checks.
When it comes to getting you your bad credit loan our online service is second to none. In fact Solution-Loans.co.uk has scored based on 196 ratings & 29 user reviews for its bad credit loans service.
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