Bad Credit Loans

If you have a history of bad credit including issues of past CCJ’s, missed payments and defaults then we can still help you get a bad loan. Request a quote below from Lending Expert and they’ll find you a loan that matches your needs.

(We’ll compare across our panel of bad credit lenders to find you the cheapest rates available)

Will I need a loan guarantor?

We have a wide selection of lenders who do not require you to have a guarantor however this will depend on your personal circumstances. We have both a panel of guarantor and non guarantor lender options. The advisor will be able to present the bests options to you.

Can I get a loan with previous CCJ’s?

Yes there are lenders who will accept applicants with County Court Judgements. Our advisors will be able to provide you with a quote based upon your circumstances.

Do you offer loans to self employed applicants?

Yes. There are plenty of lenders on our panel that offer loans for self employed people. This also includes contractors, company directors and new business owners. Each lender will have their own income proof requirements and our advisors will be able to advise you on what is required as part of the applicant process.

Can I get a debt consolidation loan with bad credit?

Yes. There are a range of lenders who will accept applicants with adverse credit credit issues. This may include CCJ’s, defaults or previous missed payments. Some lenders will also accept applicants who have previously been bankrupt. The advisor will be able to present a range of options and lenders that match your needs and credit rating.

Do I need to be a homeowner?

No. We have a larger panel of unsecured lenders who will offer loans to applicants with credit issues. There are also a range of guarantor loan options for those applicants who are able to offer the support of a guarantor who has a good credit rating. If you have bad credit and are a homeowner then you may find a bad credit homeowner loan more suitable. If you’re unsure then an advisor will be able to find you the best solution upon making an application.

I am a discharged bankrupt can I get a loan?

Yes. There are a selection of lenders on our panel who will consider applicants who are ex bankrupts.

Can I get a bad credit loan without a guarantor?

Yes. We have access to a panel of direct lenders and brokers who provide loans for bad credit no guarantor. These lenders can provide a range of loan solutions to applicants with past credit issues including CCJ’s, missed payments, defaults and ex bankrupts. No guarantor required.