Bad Credit Loans
There are plenty of good reasons to turn to Bad Credit Loans if you have a very poor credit score. Having a poor credit rating can be an obstacle to obtaining a loan but, at Bad Credit Loans, we’ll do our best to find you a loan that suits your personal circumstances.
Cheapest Short Term Loan Options
There are plenty of good reasons to turn to Bad Credit Loans if you have found yourself with a very poor credit score. Firstly, our friendly and professional team will be able to find the right sort of financing for you, no matter what your credit history might be. Having a poor credit rating can be an obstacle to obtaining a loan but, at Cockle Finance, we’ll do our best to find you a loan that suits your personal circumstances.
Having been established for several decades, we have the necessary know-how and experience in today’s financial world to be able to come up with a loan that is affordable and which will clearly lay out your responsibilities as the borrower. Whether you have a very poor credit history or a patchy one, our effective team will be able to find a lender who is willing to provide you with the funds you need.
What are Bad Credit Loans?
People get poor or even very poor credit histories for a number of different reasons. It could be that you defaulted on a personal loan in the past or got into mortgage arrears. There again, you might be paying off a credit card bill or simply lived in the same accommodation for a time as someone with a poor credit rating in the past. All of these things can affect your credit score.
Obtaining a loan with a poor credit history will often mean turning to a specialist lender. At Bad Credit Loans, we have all the necessary expertise to match you with an appropriate lender. Some will specialise in putting loan proposals together for people with poor credit ratings as they are often more accommodating than many high street lenders.
Let us find a deal for you that reflects the sum you want to borrow and the level of weekly or monthly repayments you can afford. If you don’t like the no-obligation proposal our team of experts put together for you, then you do not have to proceed. So, what have you got to lose by asking us to find out how much you might be able to borrow even if you have a poor credit history?
Consider before applying
We’ll always take the time to provide you with the necessary advice and guidance before you sign for any loan, however there are certainly a few considerations to make before applying or accepting a loan of any kind.
- Interest Rate – make sure you’re getting the best deal and are fully aware of the interest rate you’ll be accepting.
- Monthly Repayments – are you completely aware of the monthly repayments? Are you happy with what you’re agreeing to pay back each and every month for the full term of the loan?
- Total Amount – are you aware that with interest, you’ll be paying back more than you’re actually borrowing?
- Budgeting – are you able to continue these payments should you lose a portion of your income? Are you able to pay additional charges for late payments or even missed payments and early terminations?
FAQs
With Bad Credit Loans, you could borrow up to £5,000—even with a poor credit history. The exact amount depends on your circumstances and the lender’s criteria.
Yes, it is. Many lenders now consider your overall affordability, not just your credit score, which means you may still qualify even with past financial difficulties.
Bad credit typically refers to a low credit score, which may be caused by missed payments, County Court Judgments (CCJs), defaults, or a lack of credit history.
Bad credit loans can be used for a variety of purposes, including car repairs, home improvements, unexpected bills, holidays, or other essential expenses.
Applying is simple. Just complete our online form and we’ll match you with a lender who is likely to approve your application, even with a low credit score.
In many cases, yes. Making your repayments on time can show lenders that you’re managing your finances responsibly, which can help improve your credit rating over time.
We Are Experienced Professionals in the Credit Industry
We have years of experience in connecting people with bad credit to online loans. We work closely with you to find a loan that fits your situation, providing tailored loan solutions that are manageable and less risky than alternatives.
Bad credit can result from missed payments, defaults, or high debt levels. We collaborate with lenders who consider your entire financial situation, increasing approval chances and securing suitable loans.
So don’t let bad credit stop you from getting the financial support you need. Contact us today to explore your options for online loans with bad credit. Apply now and take the first step toward financial stability.
Take the first step toward financial stability
Authorised and regulated by the Financial Conduct Authority. Authorisation Number: 804740
Companies House Registration Number: 11249493