Adverse Credit and Finance

Hot Topics

What if I want to pay my Loan off early ?: Before agreeing to your loan, read the terms and conditions of the agreement. Some loans allow you to pay your loan off early without any penalties, however, some don't.
What if my loan application is not accepted?: Sometimes a lender may not wish to give you a loan. This may be for a number of reasons, however the lender is not obliged to tell you exactly why the loan been refused.
Why would my Loan application be turned down?: If a lender decides that you are a bad risk for a loan, they will reject your application.
Can I defer payment?: This depends entirely on the specific agreement you have made with the loan company – and you must read your terms and conditions carefully to see if you are entitled to defer your payments at any point.
What happens if I can't meet the loan repayments?: If you are having problems repaying the loan, you will need to talk to your lender straight away to discuss the problem.

There are a number of ways in which you could have gained adverse credit or finance. Basically, if you have had problems with paying off secured loans, unsecured/personal loans, credit cards, store cards or car finances and you have been unable to fully comply with the terms of your credit agreement, your credit record will be marked. It doesn't mean you can't get any more credit, but it does mean you won't get the lowest interest rates as these are only available to those with a good credit history.

You will also have adverse credit if you have, or have recently had, an outstanding Country Court Judgement.

If you have had credit problems, don't hesitate to request a loan quotation from us because our partners have competitive deals for everyone, whatever their credit history.