PLEASE HELP!! I need an UNsecured Personal Loan - but have Bad Credit!!
MSE Official Insert:
For the latest loans best buys read our Cheap Personal Loans guide.
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Hi Guys
Can anybody please advise a reputable loan company in the UK that will consider offering an UNsecured personal loan for approx £12,000, even though I have a bad credit history?
I understand that the interest rate repayable will very likely be much higher than usual, but an desperate for the loan and need suggestions as to a decent lender please, who will lend, regardless of my credit history.
Thanks guys! Please help me:)
For the latest loans best buys read our Cheap Personal Loans guide.
----
Hi Guys
Can anybody please advise a reputable loan company in the UK that will consider offering an UNsecured personal loan for approx £12,000, even though I have a bad credit history?
I understand that the interest rate repayable will very likely be much higher than usual, but an desperate for the loan and need suggestions as to a decent lender please, who will lend, regardless of my credit history.
Thanks guys! Please help me:)
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Comments
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Nobody will lend that sort of money unsecured regardless of your credit history.
Can you give some more information as to what you mean by a bad credit history (are you talking about a few late payments or CCJs and defaults) and what you need the money for and people might be able to suggest other options.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Hi Tixy, thanks for your reply. I very urgently need the money for mostly a trip to see an ill relative soon who lives overseas.
I have had a couple of defaults, with just one left outstanding and lots of late payments on credit cards. Also a couple of late mortgage payments. I've received CCJ letters before, but I have always agreed a payment arrangement and never had to go to Court etc.0 -
To add to this, I work, but my salary is very low and I currently have none spare.0
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Are Yes Loans or Wentworth Direct reputable Lenders, would anybody recommend them or to steer clear of them, even in emergency? Please advise, thanks!0
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Apologies for not being very clear. I would repay a loan out of my salary, monthly over a number of years (I have worked out an amount I could repay monthly). But I don't currently have enough spare to pay for the entire trip etc, is how I meant.0
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12 grand to fly overseas? i knew fare's had went up but by that much?If you dont like me remember its mind over matter, I dont mind and you dont matter0
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Are Yes Loans or Wentworth Direct reputable LendersHi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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I really can't see anyone lending that kind of money given your history, sorry You will find sites that will promise you that they will find a lender and most likely ask for a small fee for this. Then they will come back with (IF) any that have stupid terms, such as needing a guarantor and willing to lend £1000 with stupid amounts to repay. I know as we fell for this about 9 years ago! Maybe things have changed?
12k to travel abroad is such a lot of money, we can do a holiday abroad for a family of 4 for 2 weeks for under 2k. Are you sure you need that much?0 -
People don't learnCan I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
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