Mr A K (Dundee) Quality service – Excellent Quality Doc’s – Excellent Quality of advice – Beyond excellent, top class How often kept waiting on the phone - Never Would you recommend us to a friend – Definitely
Mr D F T (Essex) Quality service – Excellent Quality Doc’s – Excellent Quality of advice – Excellent Helpfulness of staff – Excellent How often kept waiting on the phone – Some calls Would you recommend us to a friend – Yes “Smooth from start to finish, first time used Essential Loans and will definitely use them again.”
Mrs F M (Notts) Quality service – Excellent Quality Doc’s - Good Helpfulness of staff – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Yes “Very helpful, always kept me well informed.”
Mr D T (Essex) "Very quick, accurate, very efficient, can’t complain, no problems what so ever. Would recommend and use again."
Mr D M (Cumbria) Quality service – Good Quality Doc’s – Good Quality of advice – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Already have (brother).
Mr D R (Surrey) "I was very pleased with the service I received. You were very helpful and understanding and very efficient."
Mr P C (Shropshire) "Very efficient and very helpful, we got everything we needed with no problems at all."
Miss K H M (Aberdeen) Quality service – Excellent Quality Doc’s – Good Quality of advice – Good Helpfulness of staff – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Definitely “Really good questions always answered. Whoever I spoke with was always more than willing to help.”
Mr B M (Wiltshire) "Warm friendly service, got to the point very quickly and stayed with it to a successful conclusion."
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If you have arrears, defaults or CCJ's and are finding that your credit applications are being rejected, Essential Loans may be able to help. We have a wide panel of lenders available to us, many of which may approve your Secured Loan application.
An any purpose Homeowner Loan will generally allow you to borrow between £5,000 and £150,000 over a period from 5 to 30 years.
Bad Credit Loan Checklist
All circumstances considered - All credit circumstances sympathetically considered when applying for a Secured Loan - regardless of credit problems in the past.
Loans for any purpose - Consolidation Loan, new car, family holiday etc.
Self-employed Bad Credit Homeowner Loan requests, with or without accounts are welcome.
Bad credit loans for those with a poor credit history - CCJ's, arrears, bankruptcy or poor credit scores.
Our service is free and without obligation so why not apply online today and see exactly what we can offer you!
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A bad credit loan means that you are taking out a loan that may depend on your credit history. Your credit history includes County Court Judgements (CCJ's) and defaults on repayments of previous loans or financial transactions. To High Street Banks and many other lenders, this may mean that giving you a loan could be a risk, because according to your history you are more likely to have late or defaulted repayments.
Having a bad credit rating doesn't mean you are a financial disaster but missing payments on other loans against you can cause real damage, making it difficult to obtain credit in the future. Other unexpected events such as divorce or redundancies could also have a negative effect. But even the most unlikely person could have a bad credit rating. You might be too young, or just may not have had any from of credit before.
A bad credit loan may be a good idea if you find yourself in any of the following situations:
A bad credit loan can be a secured or unsecured. A Secured Loan uses the equity in your home to secure the loan, making your application less of a risk to the lender. Lenders are more likely to lend larger amounts with much lower interest rates to those applying for a Homeowner Loan.
An unsecured loan is not secured against something of significant value, so it is much riskier to the lender. This type of loan usually comes with higher interest rates and smaller loan amounts.
In either case, the bad credit loan packages available to you will depend on your personal circumstances. Although there are now many specialist lenders that will approve applicants with a poor credit history, it is likely that they will charge a much higher interest rate for the Homeowner Loan.
You may increase the chances of getting approved by applying for a Secured Loan or by reducing your loan amount. Your credit history will be checked when you apply for a loan so lenders can access your credit rating. This is one of the most important factors for them to consider when deciding whether to offer you finance.
Like any other loan, there are many reasons why you might want to seek a bad credit loan. For example, you may be having trouble keeping up with payments of existing loans or credit cards and wish to take out a Consolidation Loan, or perhaps you want to take a holiday abroad or make those home improvements you've been talking about.
Whatever your need, why not complete a No Obligation Application with Essential Loans today. Our friendly staff are here to help, finding a Secured Loan tailored to your personal circumstances.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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