How We Work

Offering Loans for People with Bad Credit History

You may, at some time; have to face the problem of making a late payment and a default on a loan obligation. A result of which though, may leave you having to face another problem; that of securing your poor credit rating! Yet having had credit related problems in the past, doesn’t necessarily mean that you will not be able to get a loan. So if you have had any experience with the above and had difficulty in acquiring a loan or do not fulfil the pre-requisites of the loan product; then the poor or bad credit categories of loans, may be the optimal choice for you.

However, there are a number of choices and alternatives that we offer our clients. Some of the most common product choices and the issues which pertain to them: include the following information.

Why do you need a Bad Credit Loan?

Bad credit loans are mostly opted for, by people with a bad credit history. However, it cannot be restricted to only one category of people. This type of loan may be suitable for all of the following:

  • Those who have been rejected for loans  by other financial institutions
  • People  who have made late payments on their agreement obligation arrears or a legal record of default history
  • People  who have gone bankrupt
  • Have a  poor or bad credit score
  • No credit track record
  • Not having a permanent job
  • No supporting accounting documentation
  • No income proving documents
  • Self-employed
  • Only Part time job only

If you fall within any one or more of the above mentioned categories, you will most likely be declined for a loan by any other type of financial institution. This is because you must have defaulted on a payment or made late payments or were just unable to prove your trustworthiness to the bank!

Types of Loans we offer

At we strive to serve your financial needs in the best way possible. For this reason we offer a wide range of bad credit loan facilities. The two major categories of loan include the following:

  • Secured Loans
  • Unsecured Loans

For secured bad credit loans you need to offer some kind of collateral or security against the amount that you will borrow. This will reduce the risk involved with the loan and bring down the interest rate a little. In the case of unsecured bad credit, there is no security or collateral involved. However you will need to offer the guarantee of another, who will co-sign your loan documents. This person must have a good or satisfactory credit history. This is often also known as a Guarantor Loan. We at also offer a wide range of loans, using the Guarantor loan facility.

Both types of bad credit loan categories described above are further divided into sub categories.

All you need to do is select the one that is most suited to your needs and fill in the online application form provided on our website. We will ensure quick processing and timely approval. Our reliable service will meet your bad credit loan needs in just 24 hours. So do not hesitate because of a bad credit history. Your bad history. Just go ahead, apply now and save time with our simple service.