Does anyone know of a legal route to finding a loan if your credit rating is shot to bits?

Answer 1

www.surefirefinance.co.uk apply online, as long as your not bankrupt, can supply proof of 3 years address and employment history they will be able to help you.

When you apply they will get back to you with how much they can offer and you can decide if you want to take the loan or not....easy!!!

Answer 2

Why is your credit rating shot to bits?

I would never consider a loan, if i can't afford something i don't have it.
If i want something, i cut back and save up til i can afford it!

this (i find) also give you pride and helps you appreciate things a lot more!

Answer 3

The best places to ask are the sharks advertising on TV, they go for the high risk people because they have enormous interest charges to back it up.
Because I have a good rating I can apply for credit with 5% apr and often get it, you'd be lucky to get lower than 25% I'm afraid.

Answer 4

There will always be someone who is willing to lend you money, however they are probably the people who will send round nasty people to collect the money. In my sensible mode I'd say, sort your current debts out by speaking to the companies involved and then save for the things you'd like. Then after 6 years all CCJ's and bad credit rating falls off your name.

Answer 5

There are loan companies that specialise in that kind of stuff. Provident I think are one. There are also credit card companies, such a Vanquis that give them to people with bad credit.

Do a google search on "Loan bad credit" or something!

Answer 6

Well, considering that you are clearly, utterly useless with financial matters, do you really think a loan is a wise move for you?