Poor Credit History

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In what circumstances should I consider taking out a personal loan?: You can get a personal loan for any reason you want.
Can I take the payment protection off/on throughout my loan?: The answer to this question depends on what type of insurance you have.
What is the maximum value of the secured loans I can have in relation to the value of my property (LTV ratio)?: The industry average for the LTV ratio (Loan to Value Ratio) is 75%. This means that if your property is valued at £100,000 – you will be able to borrow £75,000 against it. It may be possible to get more than that – for example 85% or 90% - however you will need an excellent credit history and must in general be considered a ‘no risk’ customer by the loan provider.
I live at home with my parents, can I still apply for a loan?: If you live at home you are still eligible for a tenant loan – this is basically an unsecured loan in which you have no property to provide as security against the debt.
Over what length of time can I spread my repayments with a debt consolidation loan?: You will be able to spread your repayments over whatever term you need to in order to meet your repayments.

If you have a poor credit history then it is often described in official terms as 'adverse credit'. To obtain a poor credit history you will have built up mortgage arrears, paid late on credit cards, or been issued with County Court Judgements (CCJ's) - any of which could damage your chances of getting future credit. But all hope is not lost! You can still request a loan quotation through this website, because we have access to plenty of lenders that will offer loans to those with CCJ's, defaults, arrears and missed payments. Request a loan quotation now to be contacted by a loans adviser with a range of competitive quotes.

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