Not so bad loans for people with bad credit

Tinuel

All,

Due to emergency circumnstances that I would not like to disclose here, I need around £3000.
For someone with poor credit rating, no CCJ's, and not a homeowner, is there any company you could recommend?
I know that most of them are day time pirates, but which ones are the not so bad?
I just want £3000 max, not one of those big loans. If someone could point me in the right direction without being judgmental I would be grateful.

Many thanks.

pa49

Tinuel wrote: »

All,

Due to emergency circumnstances that I would not like to disclose here, I need around £3000.
For someone with poor credit rating, no CCJ's, and not a homeowner, is there any company you could recommend?
I know that most of them are day time pirates, but which ones are the not so bad?
I just want £3000 max, not one of those big loans. If someone could point me in the right direction without being judgmental I would be grateful.

Many thanks.

There's nothing wrong with making an application to some of the more lenient lenders. But, don't pay any money upfront (some try and take a first payment on the phone at the time of application) say that your wages aren't paid until two weeks time and wait for the agreement and read it carefully. The rates may be high and there maybe early settlement penalties. So consider all the angles.
You are not committed until you sign and return the form and even then you get a cooling off period.
Remember that any application will result in a credit search and should then be logged on your credit reference report with one or more of the big credit reference agencies. So don't go applying to dozens of lenders!
Don't take this as a recommendation, but, look at yesloans or similar as they will take just about anyone and they quote 95% acceptance!!!!!!!!!!!
They have some dubious aftersales techniques and will also try and sell you health cover. Just say no.
Good luck.