Loan Rates

Standard Secured Loans

Loan Advance Criteria
Plan	APR %	Monthly % Rate	Min	Max	Term (Years)	Status	Equity LTV
1	7.9	0.639	25K	75K	10-25	0	85
2	7.9	0.639	20K	75K	10-25	0	125
3	7.9	0.639	20K	100K	10-25	0
4	8.9	0.716	25K	75K	5-25	0	95
5	9.9	0.793	10K	75K	5-25	0	125
6	9.9	0.793	10K	60K	5-25	1	90
7	10.9	0.869	10K	50K	5-25	2	95
8	13.0	0.9875	15K	50K	5-25	4	75
9	13.5	1.0292	15K	50K	5-25	3	80
*10	13.9	1.0940	10K	50K	5-25	0	125

* NB Plan 10 - Only 6 months prime mortgage lender history required even for 1st time buyers !
Most CCJ’s Over 3 years old ignored
Most CCJ’s and defaults under £250 ignored
Some plans all defaults ignored if over 3 years old
Most mortgage arrears over 12 months old ignored

Impaired Credit Secured Loans

Loan Advance Criteria
Plan	APR %	Monthly % Rate	Min	Max	Term (Years)	Status	Equity LTV
A	8.6	0.7167	50K	75K	10-25	0	65
B	10.85	0.905	15K	25K	10-25	1	80
C	10.85	0.905	25K	100K	10-25	0	90
D	11.85	0.987	15K	50K	10-25	4	70
E	18.2	1.2375	10K	100K	10-25	4	75
F	13.4	0.820	30K	250K	10-25	No Limit	70
G	15.2	0.930	5K	250K	5-25	No Limit	70-75
H	20.1	1.470	5K	250K	5-25	No Limit	70-75
I1	15.3	1.062	10K	75K	10-25	2	85
J	16.6	1.1458	10K	60K	10-25	6	80

Most CCJ’s Over 3 years old ignored
Most CCJ’s and defaults under £250 ignored
Some plans all defaults ignored if over 3 years old
Most mortgage arrears over 12 months old ignored

Unsecured loans for tenants, homeowners or living with parents

There are two types of unsecured loan. Those specifically for homeowners and those for tenants. Some lenders will only grant loans to homeowners, others will lend to either. We will search out the best deal we can find.
Most loans can be used for any purpose. Any unsecured loan offer will be made on the basis of credit scoring. Don't worry if you have a poor credit rating as some schemes exist that will ignore the odd default or county court judgement. However, be warned, a really poor credit record is likely to be declined or in the case of a homeowner only offered as a secured loan.
The best bet though, is to apply online now. We'll give you an in principle decision in approximately 2 hours. If declined you will usually be advised confidentially by email.
Loan documents may be posted to you direct, however certain lenders (to speed things up) will require you to visit their local office to verify information, finalise matters and then collect the cheque. You will be under no obligation unless you choose to accept their offer.
As we use more than one lender we do not show repayment tables as this could be misleading - offers made will directly relate to your circumstances. There are no application fees payable when using our services. Loans are available from £500 to £25000 with repayments from 6 months to 7 years.
NB Some lenders may require joint homeowners to apply together. Even though the loan is unsecured, they make it a condition that both parties apply together. This is infact a benefit because if both have income, then the credit score is normally much higher.

unsecured loans for homeowners

Homeowner unsecured loans up to £25,000
No Security needed - Quick "in principle" Decision.
Rates from 7.9% APR.
Repayment terms up to 7 years.
Self Employed and Employed accepted (must have provable income).
Rate is reflective of risk so APR's will vary

loans for tenants and living with parents

Competitive rate.