No upfront fees to help you find a loan*

 

No Upfront Fee Bad Credit Loan Applications

  • Loans For People with Good or Bad Credit
  • Homeowner loans and Tenant loans
  • Loans from £500 to £25,000
  • Good and Bad Credit loan decision subject to your circumstances
  • Unlike Some Loan Companies we do not charge upfront Fees

 

 
   

Unsecured Loans

Representative
14.2% APR
Variable

ccta

Secured Loans (Homeowner)

Typical 13.5%APR Variable
(many people may receive a lower rate than this)
Rates from just 7.9% to 22.0% APR

Loans For People With Bad Credit

Access a wide range of loans for people with bad credit to suit a wide range of people with poor credit ratings by default circumstances. Apply for your easy loans application for bad credit today.


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Bad Credit Loans No Upfront Fee

Personal bad credit rating for loans is caused by defaults & CCJs, We could help you source loans for people with bad credit - poor credit loans available from £1000 to £25,000. Apply for a bad credit loan with poor credit history.

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No Upfront Fee Poor Credit Loans

Poor Credit loans may also be available, including people with poor history who do not own their home or those who have experienced credit problems. Rates may vary based on circumstances.

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**Unsecured Loan Representative example: If you borrow £9,000 over 4 years at a representative 14.2% APR and an annual interest rate of 14.2% (fixed) you would pay £246.84 per month. Total charge for credit will be £2,848.42. Total amount repayable is £11,848.42



Please think carefully before securing loans and other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Security maybe required. All loans are subject to an assessment and credit approval. All rates vary subject to loan amount, loan type and status. Repaying your debt over a longer period of time may increase the amount you pay. WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

Applying for Loans at Easy Loans Company


We are here at Easy Loans to provide you with the assistance you need with applications to obtain the loan you want. We work with lenders who consider most circumstances, this can include people with bad credit.

If you're one of the millions of UK consumers being declined for a loan because of poor credit history, it’s most likely because of your bad credit rating. Your rating will affect your ability to be approved for a loan, especially if you have bad credit.

High street lenders will often only lend to consumers that have a good credit standing, i.e no bad credit history, therefore applying for a loan with them may not get you the finance you are looking for. If anything being declined may only worsen your credit rating.

What is your credit rating good or bad?


Your rating is a score that displays to potential lenders how likely you are to repay any monies they lend to you. Your score is one that is built up through previous borrowing, therefore if you have no previous borrowing history, your score may be lower than others.

More importantly if you have hit trouble with credit repayments in the past and may have missed loan, credit card or bill repayments then this will have had a negative impact on your credit rating. Likewise any CCJ’s or defaults have a huge impact. This may lead you to look for what’s commonly known as a bad credit loan.

One of the things to remember about your credit score is that you can repair it, but in order to do so it helps to make sure that all of your future repayments are paid on time, with time this will improve your rating and give you more options when it comes to seeking finance.

Loan options for those with bad credit


Given the above, there is a market for those with bad credit seeking bad credit loans for people with bad credit history. There are also lenders who specialise in lending to those with bad credit. These loans are often at higher interest rate than that of funds offered by your high street lender, however these lenders are willing to accept more bad credit than your high street lender. Because these lenders will consider bad credit their loans are referred to by many as bad credit loans. Sometimes these lenders will allow so much bad credit they are sometimes even be referred to as no credit check loans.

It is important to remember that the higher interest rates on these types of loan often mean you repay significantly more than you borrow. In a bid to do this and still make sure the loan is affordable some lenders allow you to repay over a longer period of time. It should always be remembered that repay debt over a longer period means that interest will accrue for longer meaning the total amount payable will be higher.

Bad credit loans or no credit check loans do allow people to obtain the finance they need can in the right circumstances be a good option, it is however important to ensure you fully understand both the monthly cost of repayments and the total amount repayable and ensure that any commitment you make to repayments is manageable and sustainable.

Loans for Homeowners and Tenants. Good or bad credit applications welcome.
We do not charge upfront Fees



Please think carefully before securing loans and other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Security maybe required. All loans are subject to an assessment and credit approval. All rates vary subject to loan amount, loan type and status. Repaying your debt over a longer period of time may increase the amount you pay. WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

Easy Loans Company act as a broker processing the information that you provide to us and pass this on to our panel of trusted third party lenders and brokers. We do not charge a borrowers fee for the use of our brokerage services, however we do receive commission fees from lenders (or other brokers) when borrowers sign into a credit agreement following an introduction through the Easy Loans Company website. In the case of Secured Loans the fee received may be up to 7%. Telephone calls from UK land-lines are usually free, however charges vary from mobile phones so please check with your network provider. Calls may be recorded for training and monitoring purposes. As operator of this website, Easy Loans Company is not an agent or representative of consumers or any lenders and therefore does not endorse the services offered by specific lenders. For further information on how we handle your data please see our privacy policy and for further details about Easy Loans Company please see our terms and conditions. For more information on how we handle your data see our Privacy Policy [ *For further details about Easy Loans Company see our Terms and Conditions

Nationwide Direct Financial Limited trading as Easy Loans company is a licensed credit brokerage business regulated and authorised by the Financial Conduct Authority, which effects introductions between borrowers and lenders as well as other brokers, for the purposes of entering into loan agreements. Company Reg No: 05999918. Registered Office: 84 Princess Street, Manchester House, Manchester M1 6NG. Data Protection Reg No: Z9808421. FCA Reg No: 596464. © Nationwide Direct Financial Ltd 2012. All Rights Reserved

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Unsecured Loans

Representative
14.2% APR
Variable

ccta

Secured Loans (Homeowner)

Typical 13.5%APR Variable
(many people may receive a lower rate than this)
Rates from just 7.9% to 22.0% APR

 

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