Whether it’s a late payment on an old credit card or a default on a loan, few of us have a blemish-free credit history. One or two bad decisions in our past can often come back to haunt us, and poor credit can be a huge obstacle to securing financial assistance.

So, if you’ve been turned down by your bank or building society and you need some funds in a hurry, you may be considering bad credit loans.


What Is Bad Credit?

At one time or another we’ve all struggled with our finances, and if you’ve ever missed a mortgage payment or had to deal with a collection agency, it’s likely you have a poor credit rating or ‘bad credit’. Bad credit simply means you have a low credit score, and, in most cases, this indicates a less than perfect credit history. As a consequence, you may have been turned down for credit cards, loans, even an overdraft extension from your own bank or building society.

But don’t fret; here, at Now Loans, we work with a select panel of lenders to help you find a fast, effective solution to your money worries. You don’t need a perfect credit score to apply, and our lenders’ flexible repayment terms are designed to fit even the tightest budget.

And that’s not all:

  • With our quick, straightforward application process, you could have the money in your bank account the very next day.
  • By entering just a few simple details you’ll be able to compare and contrast a wide range of different loan options and select the right deal for you.
  • And, by making regular payments on your loan you could improve your overall credit score.

So, if you don’t have the best credit history and you’re after a fast, hassle-free alternative to your high street bank, look no further. Our service is quick and convenient, and, if you’ve ever considered poor credit loans we might just have the answer to your financial troubles.

  • Borrow up to £25,000

  • Money in your account within 24 hours

  • Non-homeowners welcome

  • Free, no obligation service
  • Quick and easy application process

  • Poor credit ratings welcome

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Why Do I Have Bad Credit?

Our credit scores are based on our credit history – a record of our ability to make regular, timely repayments over a period of months and years. So, if you’ve ever missed a mortgage payment, if you’re new to the UK, or if you’re simply too young to have built up a decent credit record, it can all add up to bad credit.

Whatever the reason, a poor credit rating can often be a huge impediment to securing a loan, and, as a result, you may see very bad credit loans as your only real option. But there are alternatives.

Here, at Now Loans, we can help you find quality, long-term financial solutions, whatever your circumstances.

  • With our trusted panel of lenders, you’ll have the peace of mind that your finances are in good hands.
  • Guarantor loans allow customers with a poor credit rating to borrow up to £15,000.
  • And, with our fast, free, no obligation service, you can check your eligibility at the touch of a button.

What Are Bad Credit Loans?

Bad credit loans or poor credit loans have had a bad press over recent years, and it’s easy to see why. They’re often associated with less-than-reputable companies targeting individuals who have nowhere else to turn, offering short-term financial solutions at wildly inflated fees.

Here, at Now Loans, we do things differently. We offer a range of realistic, medium to long-term options through our highly-reputable third-party lenders, and, with their strict affordability checks, you’ll have the peace of mind that you’ll never borrow more than you can afford to repay.

Our service is safe and secure, and, even with a poor credit rating, you may still qualify.

Can I Get a Loan From Now Loans?

Whether you’re looking to consolidate an outstanding debt into a more manageable sum, or you’ve just been hit with an unexpected bill that you can’t afford to repay; whatever your situation, Now Loans is here to help.

You don’t need a spotless credit history to apply, the process is quick and easy, and you could have the money in your bank account the very next day.

So what are you waiting for? Just fill in a few personal details, and our online enquiry service will do the rest.

Can I Get a Loan With Bad Credit?

If you’ve ever been refused a credit card, a phone contract, or even had trouble getting an overdraft extension from your bank, chances are you have a poor credit rating, and, when you need cash in an emergency, it can be a frustrating process. Banks and building societies rarely approve loans for people with bad credit and you may be left tearing your hair out, wondering what to do next.

But don’t worry, because here, at Now Loans, we’ll do our very best to help:

  • Our free, impartial service is designed specifically to assist those with a poor credit rating.
  • Our select panel of lenders is dedicated to finding you a great financial solution, whatever your needs.
  • And, our lenders will work closely with you to find an affordable repayment plan that won’t break the bank.

So, if you’re at your wit’s end trying to figure out how to get a loan with bad credit, our free, no obligation service might just be the answer.

What Is a Credit Score?

Your credit score is based on your credit history and ultimately determines whether or not you can qualify for anything from a current account to a mortgage. So, if you’ve ever had any financial difficulties, such as unpaid bills, late payment fees or CCJs, it’s highly likely you have a low credit score.

Here, at Now Loans, our lenders specialise in providing financial assistance to those who need it most, so, even if you have a poor credit history and you’ve been turned down for loans or credit cards in the past, it’s always worth checking your eligibility.

Our application process is quick and easy, and we’ll usually have a decision for you in principle within a matter of minutes. At Now Loans, we’re dedicated to helping you find a long-term solution to your financial worries, and, if you’re looking for a 12-month to five-year loan, whether you have bad credit or not, our trusted third-party lenders will do everything they can to provide you with the ideal fit.

How Do I Find My Credit Score?

By law, we’re all entitled to see our own credit file, and, if you’ve ever been refused loans or credit cards in the past, it’s always a good idea to find out why. Credit reference agencies, such as Experian and Equifax, allow you to check your credit score online, but, while some offer their services free of charge, you may still have to subscribe to their website to get the information you need.

Alternatively, for a small fee, you can obtain your Statutory Credit Report. This contains all the info that lenders use when they’re assessing your eligibility for various financial products and services.

If you’re still unsure whether or not you can qualify for a loan, you can check your eligibility with our free, independent service. It only takes a few clicks of the mouse, and we could have a decision for you in principle in just a couple of minutes.

© 2019 Now Loans. Rights reserved.

Correspondence Address: PO Box 414, Reigate, Surrey, RH2 2DN.

Now Loans is a licensed credit broker and not a lender. Nothing on this website constitutes financial advice. If you need financial advice you should speak to a qualified financial advisor. This website provides information only. The choice of product is yours and your alone. As a broker we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to affordability. We may receive a commission if you use our website to obtain credit. Find out how nowloans.co.uk works.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Missing payments on a loan will have severe consequences and may make obtaining credit more difficult in the future.

Now Loans is a trading style of Affiniti Digital Media Ltd. Registered Office: Chart House, 2 Effingham Road, Reigate, Surrey, RH2 7JN. Registered in England & Wales, number 05180470. Authorised and regulated by the Financial Conduct Authority (FRN 726074). Registered with the Information Commissioner’s Office – Z8703415.

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