Do you have a bad credit history but Need Credit? Our loan advisors at Need Credit specialise in helping those who, for a variety of reasons, are suffering from a poor credit history.
Please do not worry if you have a poor credit history, mortgage arrears or CCJs, Need Credit have access to a variety of lenders and specialise in finding loans for those who have been turned down in the past or suffering from a poor credit rating.
Unlike other lenders, we will not discriminate because you are self-employed, have bad credit or cannot prove your income.
You can use your Bad Credit Loan for any purpose. In the past our clients have used their bad credit loan to purchase a new car, afford that dream holiday or make home improvements.
However, a Bad Credit Loan is most commonly used to consolidate any existing unsecured debts, such as personal loans, catalogue debts, overdrafts or credit cards. This will leave you with one more affordable payment, which might help ease any financial stress.
Our secured loans start from just 14.5% APR Variable, and we offer a large range of lending terms.
To see if we can find you a loan, please call us today on freephone 0800 048 1774.
LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. 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.
For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.
Need Credit is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd. Ask Finance Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.