londonfraggle wrote: »
Hi - I would first try directly with your own bank as they will see you have a bank account with money going into it etc (assuming you do!). You didn't say who had already refused you?
STAY away from people like Yes, Welcome, Wentworth etc. They will charge you extortionate APR%. You should, however, be prepared for a fairly high APR where ever you go (assuming you get accepted) if, as you say, you have bad credit and have been refused elsewhere.
You could try Lombard Direct? I've had a good experience with them and they gave me a decent APR. Although I'm not sure what other people might say about them.
Of course, and I know this is seroiusly obvious, really think about whether you need a loan. If you have bad credit then I assume this is through defaults, late payments etc on other loans/cards? So do you really want to add to this? If you could perhaps ask a family member or friend to help you out that might be better? Sorry - obvious I know but always worth saying!
New plans have just been announced by the Government
DON'T assume your landlord covers you
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