A Poor Credit Rating Doesn’t have to Stop you getting a Personal Loan
You can Get the cash you need within 30 minutes* and repay between 1 and 12 months**
If you have a poor Credit Rating you will already know how hard it can be obtaining any form of Credit. A personal loan is no different.
There are Loan companies who will consider Affordability and will not base their entire decision on your Credit History. Credit4everyone doesn’t lend money direct, however, we do work with real Lenders, and we will never ask you to pay us any kind of Broker fees.
Affordability checks and Credit Checks will be completed when you apply, however, the companies we work with will not make their decision purely on your Credit History.
If you are not sure what your Credit rating is like, check it out with a free trial today.
Credit Checks and Affordability Checks
All of the loan companies we work with are fully Licensed lenders, this means that when you apply, they will carry out a Credit Check and Affordability checks.
Each lender will have different rules which will be clearly listed before you apply, such as Employment Status.
The law recently changed to include Affordability checks –
This is a legal requirement. Applicants have to be over 18 and in employment to qualify for a loan. Loans are Subject to Status
Our Loan partners will ask you for some information, usually your name, address, time at address, employment details and bank details.
Please ensure you answer all questions honestly for the best possible chance of success.
Lying on your application is illegal and could result in your details being added to a Fraud register (CIFAS). If you know you cannot afford a loan, please do not continue.
Late payments will result in further fee’s being added and possible legal action being taken, this could result make it harder to obtain credit in the future.
Remember, your account conduct will be reported to Credit Reference Agencies and will be available for potential lenders to see for up to 6 years.