Poor credit can result for lots of reasons . Your will be less credit worthy for example if you are not on the electoral roll lor have not had previous credit. The more credit you obtain and repay on time the more your credit rating will improve. We can offer poor credit unsecured loans. Even if you have missed payments we have a number of Uk lenders who can help.

We even have a unique product which is a no credit search loan and also does not require income verification. So if you are self employed or have difficulty in providing your income we have a product that may be help. Often we can help people who have been turned down elsewhere as they do not have the products we have to offer. Many poor credit loans offer really high rates of interest as they are high risk we have a pension loan you may be eligible for which offers high street lending rates.

We have helped lots of people with all sorts of different reasons for obtaining a loan. It could be for home improvements,debt consolidation,new car ,holiday,getting married the list is endless but we aim to help you get the best loan for you.

The Ftse ended up closing at 5322 on friday. Its about this time of year many institutions,fund managers etc all start giving their predictions for the stock market performance for next year. A lot of people are talking about a double dip in the economy and house prices, but this mat not necessarily mean a fall in the stock markets. However if we look at previous slumps none of them have had quick recoveries ie. less than 2 years so if history tells us anything we are at best half way through .I personally think we will see unemployment reach 3.5 million and that will lead to increased repossessions and falling house prices. Anyway enough of the pessimism – its almost xmas. This is a great time of year to get your finances in order so you can start 2010 feeling great and in control of your credit position. Many people have let credit card bills mount up that can easily be consolidated into one much cheaper loan massively reducing what you pay back and giving you more cash flow on a monthly basis. This is a great time of year to benefit from a cash injection to pay for the extra expenses of the festive period. Not to mention for smart people having cash available for the sales to buy big ticket items cheap will save you loads of money!!! We can help you apply here for your consolidation loan.

Unsecured loans are becoming much harder to obtain, with refusal rates up by 34% from 2008. Applying for loans can actually damage your credit score as, when companies vet your application,  they carry out a credit reference search with one of the credit reference agencies – usually Equifax or Experian. This search will leave a footprint on you credit file and too many of these will reduce your ability to gain credit, as lenders will suspect that you are applying for multiple credit lines and being turned down. We can introduce you to a no credit score loan, for which you may be eligible, and  that has no effect on your credit files. apply here.

Annual percentage  rates for loans for unsecured loans with credit scores have also increased dramatically across the board.This is despite falling interest rates. One would normally expect  lending rates to reduce more or less in line with interest rates obviously with a floor so that lenders still have a  margin for profit. From what we can see interest rates have gone some 5 % and unsecured lending rates have gone up some 2%. It just goes to demonstrate how much lenders have had to increase their margins to compensate for the increased cost of their own capital raising and the large number of defaults. The amount of defaults lenders are  witnessing is staggering it seems they are only going to continue rising into 2010. There are so many people aware of IVA,debt management plans and the new 1 year bankruptcy ruling that the stigma with entering into any of these arrangements is far less. When borrowers follow these courses of action it means the lender will only get a fraction or even none of their expected returns all of which ultimately will lead for higher unsecured lending rates. Fortunately we have some great news as we can introduce you to a lender with an APR from 5% or we can help if you need debt advice.