Longer term poor/bad credit history unsecured loans

Wentworth Direct Finance Unsecured Loans provide Unsecured loans for tenants and homeowners. Borrow £1,000 to £15,000 for any purpose. They can accept those who have: Been refused elsewhere, Problem cases, bad credit history,Judgements and defaults, Been blacklisted.

Loanfinder searches through over 200 lenders to find the best loan option for each individual customer and their personal circumstances. There are no upfront fees and the service can be fully completed online.

Credit Cards

Vanquis Visa Card   The Vanquis credit card is is a subsidiary of Provident Financial plc. The card is is designed for those with a poor credit history and can be used to help re-build a poor credit history. If you have a history of bad credit, a credit card could seem beyond your reach. In today’s world a credit card is a convenient and secure way of buying; allowing you to buy online, over the phone and spread the cost of everyday purchases. This Visa Card is designed for people with no credit history or who have previously had bad debt.     Further information on the Vanquis Credit Card can be found here

Payday Loans

Payday loans   Payday Loans are a short term solution for those with a poor credit history who need an emergency loan in a hurry. The loans are normally for amounts of less than £750 and for a period of less than 30 days. More information on payday loans here

logbook Loans for car owners

Another form of borrowing for those with a bad credit history or bad credit rating is through logbook loans. These loans are normally available to those who own a car which is clear or nearly clear of finance. Logbook Loans provide any purpose, no credit check cash loans secured on the value of the applicant’s vehicle. Loans are available from £500-£50,000 depending on the value of the car. This product is a good alternative to a payday loan if the customer is looking for a larger loan and a lower APR rate - payday loan APRs can be 1500% plus whereas Logbook Loans’ is 437%. Further information on logbook loans can be found here

Free Credit Report

If you have ever wanted to see what is actually on your credit report currently there is a great opportinity to see you experian credit report for free here, Further information here.

Pre-Paid Cards

These cards are great if for keeping spending and budgetting under control. A couple of options are The Bread Card - Prepaid Card The BREAD Prepaid Maestro® card. It's not a credit card - it works like a pay-as-you-go mobile: you top it up with cash. It's the best thing since sliced bread APS Group Cash Plus Pre-Paid This is a Pre-Paid mastercard with the advantage that you automatically receive the gold card.