Where can I find a loan for person with poor credit scored?

Answer 1

if you have a poor credit score you shouldn't really be borrowing as you will be given a much higher interest rate, if your allowed top borrow at all.

Answer 2

Hi,
I work in the finance industry and there is no such thing as a poor credit score! Companies only work with different criteria.
I'll start by explaining a credit search - this is where any companies you have had credit with record your payment history. Each loan, car hire, mortgage even mobile phone is listed, it does not however show the companies name. The credit file lists each months on time payment with a '0' a missed payment with a '1' a second missed payment with a '2' etc. A high street banks criteria with want all '0' showing on their file whilst door to door credit facilities like Provident, Welcome, London Scottish will accept several missed payments.
Common reasons why people get turned down for credit even if they have never missed payments is that they apply to too many companies at once. All companies record that they have done a credit search on you (It does not record whether they have offered/you have accepted credit or if credit was declined) and lenders only like a maximum of 3 credit searches in the last 6 months. So if you get a new mobile phone and sign 2 of those mail order catalogue requests that people in the street pester you to sign then apply for a credit card you will be declined through too many searches. It is that easy!
The best place to apply for credit if you think you will get turned down is your own bank. They will only look at the conduct of your account and your average wage and won't do a credit search on you. If you find you are turned down by them go to a loan broker, there are lots listed in the yellow pages. this helps you by them doing 1 credit search on you and then placing you with someone who will offer you credit instead of you searching and clocking up too many searches.
Hope you find a company that will help :-)

Answer 3

You could always go to companies that give out unsecured loans. Or to loan sharks. But I would very strongly advise against it. Loan sharks are not called such for nothing. Both the companies and the loan sharks charge impossible rates. They do it on purpose. And you end up in a much worse predicament than when you started with them.

Talk to any creditors and try to get them to allow payment by installments. Stick it out for a while and start saving a little every week or month. Scrimp on or cut out unnecessary items. Things are never as bad as they seem.
.

Answer 4

Apply online at www.surefirefinance.co.uk they can get the best rates for good credit and supply loans for people with a very poor credit history.

Answer 5

most now advertise on tv for people with low credit rating so give them a call see what they say but remember what ever company you do use if they refuse you then im affraid it is counted againt you on your credit referance history file with companies like equifax or experian etc maybe it would be worht sending off for a copy of your credit history file first and find out why you have a low rating .if you can resolve the rating with theses companies then you may be able to resolve the low rating your given .that in turn will allow you better ratings when applying for further credit .

Answer 6

hi mate,
go to checkmyfile.com, after that go to FREE CREDIT SCORE & CREDIT RATING at the left hand side, press GO and then enter your details, but have in mind that it is absolutelly of great importance for you to enter your details correctly (without lying) in order to achieve a honest checking for your current situation. after you enter your details you'll see how bad or good your credit record is, and further down the page you'll see a list of companies who most probably will agree to issue credit cards, mortgages, loans, etc.... with your current credit score........Hope this will help you..

Answer 7

Welcome Financial Services. As long as you are working full time, have proof of income and a drivers licence or passport they will look at an application for you and specialise in those with poor credit ratings or those who have had credit problems in the past. Contact your local branch.

Answer 8

I have a really crap credit score too, MoneySupermarket.com is the best for this type of thing.....they scan loads of loan companies even if you have bad credit they find you a loan....
gud luk.

Answer 9

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Answer 10

Any company you find, the interest rate will be mega high and you will end up paying triple the amount back as would be classed as a high risk customer. Why dont they get another job and save up.