Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Apply to Borrow form
100 to 25,0000*

  • Apply for 50-1,000
  • Fast Payout
  • No Fees
  • Secure Application
  • Available 24/7
  • Bad Credit

Secure Process

Your data stays secure no matter what. Our platform ensures that your personal information is safe from prying eyes. And since it is online, you can do it anywhere you want, anytime you need. It is available 24/7.

Read more….

Paid Into Your Account

Don’t have to wait days to get the funds you need. In just a few minutes, your money goes directly to your checking account. No fuss. no hassle. Quick and convenient service guaranteed.

Read more….

Credit Problems

Got bad credit? Having poor or bad credit doesn’t prevent you from applying for a loan. Our creditors do no credit checks. As long as you can pay the loan on time, everything is going to be fine. Your credit problem will never be a problem with us.

Read more….

Need Cash Assistance?

Got your eyes on a brand new car? Thinking about starting a family? For that, you’re going to need funds.
If you’re planning on getting financial assistance, we provide you with the best options that you’ll never find elsewhere. Even with bad credit, you are still eligible to apply for a loan.
The application process is amazingly simple and fast. In as quick as two minutes, you can have the results of your application right in front of you.

Why Unsecured Loans?

If you’re stuck in a difficult situation. Without cash, things could go from bad to worse. Going broke during emergency situations can be extremely aggravating.

If you don’t have anyone to turn to, it would be difficult to get out of that situation. Still, there are things that you can do to alleviate your circumstances. The best option would be to apply for an unsecured loan.

  • What Are Payday Loans?

    Payday loans are extremely useful during emergency cases. It’s relatively easy to acquire and does not need complicated requirements. You can pay back the loan on your next paycheck.

  • What Are Guarantor Loans?

    This type of loan requires a guarantor to co-sign the loan agreement. The guarantor takes the borrower’s place if in case they fail to pay back the loan or defaults.

  • What Are Logbook Loans?

    Logbook loans allow the borrowers to pledge their vehicles as a security deposit. The borrower hands over the ownership of the vehicle to the lender until the debt is paid.

If you have come to the point where you have borrowed so much money from so many lenders that paying them back is becoming hard to do, it might be worth your while to consider debt consolidation. This is where you take out a personal loan that covers the total of all the money you owe, you pay all your existing debts back, and you are left with only one single debt to pay back every month.

Combining Your Debts

Technically, you are not getting rid of your debt. What you’re doing is combining them altogether into one single debt so instead of having to make different payments to different lenders every month, you’ll one have to make a single payment. This gets rid of the interest rates attached to each debt as well so, there is a very good chance that you’ll save considerably in the process. With only a single debt to tackle head on, you’ll only have to deal with a single interest rate as well.

Aside from potential savings, debt consolidations make it easier to manage your finances. You’ll have one due date and one payment to make every month. Staying up to date with your financial obligations will be easier.

Getting Approved for a Consolidation Loan

If you want to take out a personal loan to consolidate your debt, know that qualifying for one is not always easy. Generally, lenders will want to work with borrowers that have a good credit score. Considering how you have reached the point where you have borrowed beyond your means and are now having a hard time paying it back, your credit score will definitely have suffered. Getting approved for a consolidation loan and getting one with good interest rates attached will be tough.

You can offer security when taking out a consolidation loan so lenders will look at you at a more forgiving light. They may be willing to assist you if you can provide them with a means to recover their money back if you ever have a hard time keeping up with the payments in the future.

Although unsecured loan, a guarantor loan will require security against the loan but instead of collateral, it will be another person who will guarantee the loan. This means that the “guarantor” will handle the loan on your behalf in case you stopped repaying for it.

Basically, the guarantor acts as a sponsor and backs up the loan in a sense that he/she will pay the loan back (plus the fees accumulated) if the principal borrower can’t. Therefore, it’s necessary for the lender to determine the creditworthiness of the guarantor, too, before approving the loan. While the borrower may have poor credit, it’s crucial for the guarantor to have an excellent credit remark to be approved.

Does Guarantor Loan Works Like A Joint Loan?

While a guarantor obviously shares the liability for repaying the loan, it’s different from a joint loan. As long as the borrower is consistent with the repayments, the loan provider will not contact the guarantor. However, if the debtor has skipped more than one or two repayments, it will be considered as a default and the lender will reach the guarantor for the loan repayments.

In case the guarantor fails to repay the debt himself, his credit remark may drastically decrease, too. In some cases, he/she can even have a court order against him/her. Therefore, before accepting this responsibility, the loan borrower and the guarantor should know how the loan works and the risks associated with their roles.

Why Do You Need  A Guarantor?

When you’re struggling to get an advance, perhaps because of a poor credit rating or no credit history at all, a guarantor can help you. Guarantor loans are flexible and you can use it on almost anything. It can be offered on a small or large amount and can be settled over a short or long repayment term. The best part is: it is more affordable compared to other unsecured accounts.