Do you own your own home? If you are a homeowner, it couldn’t be easier to apply for one of our loans!
Secured Loans for people with good or bad credit – where your home is used as security against the loan – are suitable for:
• When you are trying to raise a large amount for home improvements.
• Are having difficulty getting an unsecured loan;
• Or have a poor credit history.
Secured Loans are one of the most effective ways to improve your credit score. Here, you can obtain immediate debt relief from one of our personal, friendly financial consultants. Lenders advise that keeping a high debt to income ratio will adversely affect your credit rating. You should lower your debt ratio to below 45%, with debt adjustment to improve your credit rating. That is, reduce your balance on all revolving credit accounts to below 45% of the available credit limits.
Our Secured Loans are for people with good or bad credit, and are worth considering if you need extra money to spend on a new car, home improvements, or that dream holiday of a lifetime.
Benefits of Secured Loans include lower monthly repayments than unsecured loans and the ability to borrow more money over a longer period of time. Our specialists are experts in their field and understand the options available. As well as finding you the most suitable loan at some of the most competitive rates, we have access to many unique products.
There is no charge for our service even if you take up Secured Loans through us.
All you have to do is complete our short form and we will come back with one of the best buys for you, with no obligation. Written quotations are available on request.
Many people know that if your credit isn’t very good, it can be extremely difficult to get ahold of a mobile phone on pay monthly contract.
Companies like AffordableMobiles.co.uk exist to assist with this issue.
A UK bank account is still required of course, but is an excellent way to get a contract mobile phone with poor credit score. The phones may not always be the very latest and shiniest versions, but tariffs are very comparable with most of the big phone networks out there right now.
If you happen to be in the interesting situation of having bad credit, but still possessing a credit card, it may be worth the time to apply for a cell phone the regular way. Yes, excessive inquiries can potentially lower your credit rating, but for the most part, the worst thing that can happen is that they turn you down.
We suggest trying Affordable Mobiles first if you choose this route, We’ve seen a number of instances where people with poor credit ended up getting a contract phone through this site, so it’s definitely worth your time.
If you still can’t get a phone, then you’re in the uneviable position of having someone try to apply and get the phone for you. You can always transfer the bank payment to come out of your account instead to avoid inconveniencing the friend/relative who is kind enough to do this for you. Of course, the only issue with this is, if you don’t pay the bill, it affects their financial standing and credit, so make sure you can follow through before exploring this option.
If you’re lucky enough to get a contract phone, hang onto it. It will allows you perks, a pretty much set rate, and the ability to upgrade down the road without having to pay too much, sometimes just by asking for an upgrade.
We hope this has been a useful read for you, and that it proves just because your credit is bad, doesn’t mean you can’t get a contract phone and reap all the benefits it has to offer.
Want a contract mobile phone and have poor credit?
