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Apply to Borrow £1000 to £25,000*

How Much Cash Do You Want?

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Why Short Term Loans?

If you need a quick cash that doesn't require complicated documents, the best option would be to apply for a short-term loan. Short-term loans are foreseeable. It means you can weigh and review your finances more accurately rather than a long-term loan. Additionally, it can also help you boost your credit score fast. Since it would only take less time to pay it back, you can gradually improve your score faster.

Flexible

Borrow funds from £1000 to £25,000

5 Star

High-rated and trusted lenders

Low Rates

Loans with the lowest interest rates.

Security

Secured online transactions

Need Cash Assistance?

Going through traditional practices of borrowing funds can be a real hassle. Not only that you have to drive all the way to the bank, but you also have to beat the traffic and wait long hours just to get an approval. Well, those days are over. We have a better way to get cash assistance that is simple, fast, and convenient. Get the funds you need fast without going through these hassles. Apply online and borrow cash in just minutes.

How It Works?

Simplicity At Its Finest

You don’t have to be a rocket scientist to get started. Simply complete a form online. In just minutes, you will get the results of your application. The application process goes online. You can do it anywhere, anytime, no boundaries.

Quick Payment Process

Need the funds soon? No worries. Once you’re approved, the funds are automatically deposited to your checking account on the same day. No need to wait for days. The entire process can be completed within minutes to an hour.

No Credit Check

Afraid to apply because of your credit? Don’t be. Our lenders don’t do credit checks. Regardless of your credit standing, you are automatically eligible to take advantage of our services. As long as you can pay the loan, you’re good to go.

When it comes to borrowing, approval will usually be hinged on your credit report. Lenders need assurance that you are a good borrower and one way for them to assess this is to take a look at the state of your credit score. This is the reason why if you’ve had a history of late payments or worse, defaults, expect that getting approved for a loan is going to be a lot harder. 

Of course, this doesn’t mean that you will never be approved for one. There are still lenders and financing providers out there who may be willing to take a chance on you. Since you’re going to be flat out refused by regular lenders, below are some places that might be willing to lend you some cash.

Lenders Offering Guarantor Loans

These lenders will want you to present a third party, a person you know, who will guarantee the loan. This is one way of ensuring that they will get paid the money you’re borrowing no matter what. Different lenders have different requirements as far as guarantor gets. Generally, they need to not only have a good credit score but to also have a stable job and steady income.

Bank You’ve Been a Long-Time Client With

If you’ve been doing business with your bank for a long time, they may be able to offer you an unsecured personal loan. This will usually work if you happen to have a good income flow as the bank can easily tell that you’ll have the means to pay back what they will let you borrow. However, expect that the interests are going to be higher. 

Lenders Offering Secured Loans

There are lenders who will be willing to overlook your bad credit score, provided that you can offer security for your borrowing. It could be a vehicle, property or equipment- any valuable asset that the loan may be taken against. If you can provide that, then they’d have no issue lending you money. 

CCJ Loan and Your Credit Rating

Getting a loan is easier nowadays; however, this doesn’t mean that your loan application will be granted at all times. In some cases, even if you have a stable source of income or a good credit rating, the lender may reject your application for some reasons.

The question is: does being refused for a CCJ loan hurt your credit rating?

The answer is no. No matter what the reason is, a bad credit score, for instance, your credit rating will not drop any further if your loan application has been rejected. However, having a number of applications is a different thing. In case you were not granted and you’ve inquired for a loan multiple times, it can cause your points to decrease.

The number of points deducted depends on your credit rating. For instance, if you have 600 or lower, your credit remark may from 3 to 25 points. On the other hand, if you have a good or excellent credit history, you might lose up to 5 points per inquiry.

Therefore, avoid asking for another loan if you’ve been rejected rather, think of a backup plan. Also, it’s best if you can check the requirements set by your potential lender first before applying for their loan. Here are some tips you can use to avoid loan rejection:

  • Fix your credit rating. Most lenders will use your credit remark to make a decision so if you have a bad credit history, be sure to increase your rating first before you apply.

  • Check your employment. Majority of the lenders will want their applicants to be regularly employed. If you’re self-employed or unemployed but receiving benefits, it’s best to look for a lender who can cater to your needs.

  • Pay outstanding loans. Loan providers are likely to check if you have other accounts, and this can affect your decision. Thus, before you get a loan, be sure to settle all your debts or create a payment plan to manage your credits.

  • Provide a steady source of income. Whether you’re employed or unemployed, it’s better if you can show the lender a stable source of income. This is an important factor because it proves your capability to repay the loan on time.