Compare Adverse Credit Loans
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Our loan experts will contact you with loan deals tailored to your circumstances.
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Adverse credit loans, or bad credit loans, are available to people with a poor credit history. Your credit rating may be affected because you have CCJs or have defaulted on repayment of finance such as credit cards or mortgages in the past.
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CreditChoices.co.uk was launched in 2005 and offers comprehensive and impartial advice on credit cards, mortgages, loans, savings and current accounts.
Creditchoices.co.uk is part of the Consumerchoices.co.uk (www.consumerchoices.co.uk) group of websites which provide informative guides, pricing information and advice to support customers’ decision-making.
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What are adverse credit loans?
Adverse credit loans are designed for homeowners that are struggling to be accepted for a standard loan. If you have an adverse credit rating due to county court judgements, defaulting on loan payments, mortgage arrears or a previous bankruptcy, then this loan is for you.
What are the benefits of adverse credit loans?
Adverse credit loans do not discriminate against applicants with poor credit histories who are trying to turn their credit file around. The loan can be used for a variety of reasons, including debt consolidation, a new car, a holiday or home improvements. An adverse credit loan can improve your credit rating provided that you faultlessly keep up with repayments.
What else should I know about adverse credit loans?
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The rate of interest on this type of loan can be exorbitant, although an adverse credit loan may be the only option for those with a poor credit rating.
- Don’t over stretch your budget on a steep repayment schedule for your loan, and don’t be tempted to take a higher loan than you need.
- Should you consistently default on loan repayments then the lender has the right to repossess your property as payment in full of the loan amount.
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