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Refused Credit

If you have experienced problems with obtaining a loan, mortgage, credit card or bank account in the past, we can help you. We have teamed up with the some of the best loan, mortgage and credit card companies who have a vast amount of experience of obtaining loans, mortgages and credit cards for people who have been previously refused credit, and at preferential rates to our clients. Compare the options available to you below, then either apply for your chosen product or simply request a free no obligation quote.

Loans

We have listed below loans that are especially tailored for people who have previously experienced credit problems. If you are unsure if you qualify for these loans we can provide a free no obligation loan quote. Your details are secure and no credit check will be preformed.

Provider	APR	Minimum	Maximum
Wentworth Direct	15.2%	£1,000	£15,000
Yes Loans	48.0%	£250	£25,000
Provident	272.2%	£50	£500

Car Finance

Below we have listed some best selling car finance loans. In the majority of cases your car loan is secured against your new car. Car finance is very dependent on your individual circumstances and we can provide a free no obligation car finance quote. Your details are secure and no credit check will be preformed.

Provider	APR	Minimum	Maximum	Details
Wentworth Direct	15.2%	£1,000	£15,000
Yes Loans	48.0%	£250	£25,000

Payday and Short Term Loans

Payday loans can help bridge the gap until your next pay cheque arrives. You can often get the cash paid into your bank account on the same day that you apply online and there are no credit checks involved.

Provider	APR	Minimum	Maximum
Pay Day Bank	1355%	£80	£750
Purple Pay Day	1355%	£100	£750
Borro	Short term loans from £100-£100,000 secured by jewellery, watches, diamonds, fine art, luxury cars and any other assets of value.

Free Credit Report

Lenders use your Experian credit report when deciding whether to make you an offer and what interest to charge you. Checking your Experian credit report could save you money when applying for a loan, mortgage or credit card. Credit Expert helps you manage what’s on your credit report, making sure information it contains is up to date and accurately reflects your situation. Click here for your free 30 day trial and to access your credit report.

Mortgages

If you have experienced financial difficulty in the past, our financial team will almost certainly be able to find a lender suitable for your needs and provide a no obligation mortgage quote. The mortgage industry has a huge array of products aimed at individuals that may have some adverse criteria. Don't let bad credit stop you from finding a mortgage or remortgage.

Credit Cards

Having trouble finding a credit card? We have listed below credit cards that are specifically designed for people who have a bad credit rating.

Credit Card	Typical APR	Details
Capital One Classic Card	34.9%
Aqua Credit Card	35.9%
The Vanquis Visa Card	39.9%

Current Accounts

If you have experienced previous credit problems obtaining a bank account can be difficult. Below are current accounts that are especially designed for people who have had these problems.

Provider	Account	AER	Min. Balance	Overdraft Rate	Overdraft Buffer	More Details
Think Banking	Basic Account	0.00%	£1	N/A	N/A
CardOneBanking	Basic Account	0.00%	£1	N/A	N/A

IVA

An IVA or Individual Voluntary Arrangement allows you to avoid the trauma of bankruptcy. An IVA is an official debt repayment plan and in most cases will involve a freezing of interest that you are charged and a reduction in the amount owed. It's worth asking for a few quotations to make sure you are getting the best service. Below are some of the leading UK companies dealing with IVA's.

Provider	Offer	Details
IVA Advice online	60% - 70% debt written off

Debt Consolidation

Debt Consolidation is a way of merging all your debts into one simple monthly payment. We can provide a no obligation debt consolidation loan quote which will spread the loan over a longer period. The interest rate may be less than you are paying at present and you could receive a cheque in days.