Apply Today to Borrow up to £995
3-12 month repayment
Rates from 278% to 1576%
Apply Today to Borrow up to £25K
3-36 month repayment
Rates from 4.7% to 278%
Representative example of the total cost of the loan, including all applicable fees – Typical loan size of £25,000 over 120 months = £275.82 pm, 4.35% Variable APR – 6% (including £1800 in interest) total repayable £33,098
Maximum Annual Percentage Rate (APR) – approx. 24% (lender starting rate 18%) – Typical Apr will be around 8%
*We are not a lender, we provide a free credit brokering service. We will never charge you a fee for using our application.
Simple Application Process
Safe & Secure
Absolutely No Fees
Fully Legitimate and FCA Registered
Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Loans subject to status. Over 18s only. Minimum loan amount may apply.
Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable
It is our ultimate goal to make your lending experience as easy as possible.
If you have any queries feel free to contact our dedicated team of experts today.
Competitive Examples From Other Companies
Representative Example: Amount of credit: £300.00. Term: 91 days. Interest: £155.35. 3 monthly payments of £152.63.
Total Repayable: £455.35. Interest Rate: 292% pa (fixed) Representative APR: 1264%.
A marriage binds a couple together, through good times and the bad – and this is mostly true. Did you know that your spouse can help you acquire a loan if you have a bad credit or your income is insufficient? With this, why not consider joint loans?
Introducing a joint loan – a loan that is obtained by two or more borrowers. It can be used to purchase a new car or home, fulfill a dream vacation, or start a new business. Most people mistake it as a guarantor loan because it sounds almost the same; however, it works differently. Rather than being just a cosigner, the other person has the right to take part of joint loans. Both will share the responsibility of repaying the loan rather than wait for someone to default. In short, both parties are listed as the primary debtors who will handle the loan from the beginning up to the end.
More importantly, not anyone can qualify for this type of loan, unless they are married or linked financially. In some cases, lenders will not release the fund for engaged couples until they have finally tied the knot. Aside from your lawful husband/wife, you can share the loan with your parents or siblings.
The Essence Of Joint Loans
When your income is barely enough to meet the lender’s criteria, joint loans might be the solution. This means that even if you’re only working on a part-time basis or as a freelancer, your loan application might be approved as long as you can show a qualified co-borrower. For the lender, having two parties mean more income, thus more chance of getting the repayment back. However, this means that you have to handle the settlement together, even under unfortunate scenarios such as divorce.
Finding The Right Joint Loans Lender
Like other types of loan, the right lender always brings a significant difference. Even with a bad credit, there’s a huge chance that you will acquire a low interest. However, do not just focus on the rates as there are many scammers online, tricking borrowers to fall on their trap. Rather than getting the help you need, you may end up with a bigger financial problem or worse, you may become a victim of identity theft. So before dealing with any lender, make sure that they are licensed to operate.
Below are some tips on how you can find the right joint loans provider:
- Ask Yourself: “Do You Need A Loan Broker Or Not?”
Is this your first time to borrow money? Are you having a hard time finding the right lender? Do you end up rejected all the time? If you’re struggling and confused about who to deal with, it’s best to ask the experts – the loan brokers. These licensed, educated professionals reduce the time and effort spent when you do your research alone. Plus, they have the right knowledge so they know how to answer your concerns and assist you all throughout the application process.
If you have a bad credit or your only source of income is through benefits or pension and you’re looking for a particular lender who can accommodate your need, then a loan broker is beneficial. However, it comes with a few downsides such as the costs that come along with it. Basically, they earn through a commission that they acquire from you or the lender: this means that you have to pay them for their service. Otherwise, they will charge the lender instead for every successful loan applicant. The disadvantage of this is that they may only provide you a lender that offers the biggest commission. So before working with them, it’s necessary to do a little background check first. Find out when the company has been established and read feedback. The reviews from their previous clients are worth reading since this can be your basis for the company’s performance. You may also ask referrals from the people you know who have used loan brokers before.
- Decide Which Kind Of Lender You Need
There are a thousand of lenders available online and choosing one is a difficult task. It can be overwhelming especially if you’re clueless about what and who do you need. So before you submit an application form, ask yourself: do you want a more personalized lending experience or are you at cheaper rates?
Working with a smaller company is ideal if you want relaxed credit requirements, flexible repayment terms, and of course, a personalized experience. However, this means higher interest rate. A bigger company, on the other hand, means otherwise.
- Ask For Referrals
You’re not the only person who has borrowed a loan before, so don’t hesitate to ask. Talk to a sibling, friend, or a co-worker
- Ask For Referrals
The first thing you need to remember when asking for a loan is that you’re not the only person who’s done it. There are many people who’ve borrowed money before and chances are, you know some. Ask your sibling, friend, or coworker if they can refer a lender who can accommodate your needs. The reviews from the people you know are valuable if you want to find the right joint loans provider.
- Research On Your Own
Doing a background check on a lender is time-consuming but it is essential. This will save you from a lot of distress if you do a little bit yourself. Look for all the important details such as their rates, policies, and customer service. Furthermore, be sure to study their terms and conditions before you sign up a loan contract. If anything is vague, ask the lender. A reputable joint loans provider is more than willing to assist you with your concerns.
- Call The Designated Departments
To confirm the lender’s legitimacy, talk to right departments and avoid these red flags:
- Unsolicited Phone Calls
Blocked calls? Unknown numbers? These are likely signs of scammers who are not willing to provide their identities. If you can’t trace the number back, it’s best to ignore them.
- A Random Email
It’s not normal to receive a random email from an unknown sender. Chances are, they are third parties who have gathered your details somewhere and to avoid further problems, it’s best to delete the email instead.
3 most recent personal loan reviews
Simply amazing! Quick, professional and understanding. Great agents over the phone. Thanks for helping me again!
Review posted by Shah Azad, Brighton
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The best and more serious loan company, Moneysupermarket without a doubt! Fantastic customer services and great communication , lots of good advice in how to manage your loan and very reasonable rates in accordance to your possibilities. Perfect for that extra pending project without making a big dent to your monthly income. Highly recommended!
Review posted by Maria Bidell, Manchester
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This has proven to be an excellent service. Quick, efficient and trusting.I would definitely recommend Giffgaff loans to friends and family in the future.
Review posted by Donna Blanford, Glasgow
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All Reviews have been acquired from https://uk.trustpilot.com/ to guarantee authenticity.