What are Bad Credit Loans?

Bad credit loans are the financial products that are given to the borrowers, who have a low credit rating. Due to the overwhelming credit utilisation ratio, a person loses his creditworthiness. With mainstream lending seems strict on them, the online lenders follow a flexible approach to bring financial benefits for them.

A poor credit score is no more a decisive factor in the loan approval, but still, it has importance in the process. An improved financial profile is still required to win the trust of the lending marketplace. Thus, the bad credit loans from direct lenders like us allow you to enhance credit ratings through easy-to-follow repayment schedule. It helps the borrowers to make timely repayments on their next payday and achieve a promising boost in their credit ratings.

Bad Credit Loans

Will Bad Credit Rating Affect Instant Loan Decision?

No! If you are among those whose bad credit ratings are making their financial crisis severe, then availing a financial solution will be the wisest thing to do. Your inclination for the long-established banking system is faultless, but being a bad credit borrower, you may be acting over-ambitious. Your credit score will affect your loan application. The legal obligations of the conventional lenders will not entertain your meritless financial records. But you have an alternative too!

Supplemented with the futuristic approach, the emerging direct lending market in the UK opens its doors to serve bad credit loans on instant decision. Your income status and repayment capacity can bring an assured acceptance on to your loan application. We do not have any issue of your blemished credit report until you ensure us for proper repayments.

With no significant effect of poor credit rating, it is very simple to apply for same day loans for bad credit people. The whole procedure is paperless, transparent and online. Follow the steps mentioned below and the things will be done in just a few clicks.

  • Visit the site www.easypolicyloans.com
  • Click ‘Apply Now’ option to proceed further
  • Fill the required details like age, residence, bank account and income status
  • Mention the amount to borrow
  • Press on to ‘Submit’ button
Bad Credit Rating Score

Benefits of Loans for People with Bad Credit Score

We are determined for the complete financial assistance for our prospective borrowers. When it comes to loans, the benefits also reach towards those people in the UK, who are looking for bad credit loans on guaranteed approval. We take care of individual circumstances and bring out a suitable loan deal that can match accordingly.

Here are the loan benefits that you can obtain from us:

Can I avail loans for bad credit with no guarantor?

People who have low credit scores often find troubles in arranging a guarantor. It has become very common and has generated a need for bad credit loans with no guarantor is made mandatory. As a responsible private lender, we have taken the initiative, and prepared exclusive loan offers with no need to approach a person to take your loan guarantee.

You have following advantages after opting for this deal, such as:


You don’t have to waste time

Finding a guarantor that should have a good credit score takes time, which your financial urgency does not allow. With choosing our no guarantor option, you can save precious time and spend it on the loan process.


You become more responsible

There might be a chance you become careless as you have a guarantor in case you default. With no guarantor, you become more responsible for repaying the amount on time.


You don’t have to reveal financial situation to anyone

Sometimes, you feel embarrassed to share your financial condition to anyone; even he is your close friend. You can neglect that scenario by selecting bad credit loans with no guarantor through online method.

Can I Borrow Even If I Have Very Bad Credit Score?

The poor credit score becomes difficult to manage, but a very poor credit score become even more challenging to seek the loan approval. Indeed a tricky situation that you need to handle carefully. The situations like too many pending bills, County Court Judgement (CCJ), bank default and many more cause the adverse credit score of the individual.

The very bad credit loans from direct lenders in the UK have emerged as the financial lifeline where the loan approval chances are high despite not-so-good credit history. However, we usually consider the following pointers while dealing with their loan applications:

Once you decide the borrowed amount and the loan term, you can easily apply for very bad credit loans with no guarantor and no broker interference. We are the direct lender with a vast online presence in almost every city of the UK. Approaching a broker will cost you more and takes time as well.

You can reach to us directly and save money as well as time both. We are available 24/7 to serve your financial interests and providing the best of direct lending as we are offering to the bad credit people.

Loans for Bad Credit People Loans for Very Bad Credit People
Amount borrow from £1000 to £10000 Borrow amount limit £1000 - £7000
No guarantor is needed Apply for very bad credit loans alone with no co-signer or guarantor
Competitive interest rates Slightly higher interest rates but reasonable to your pocket
The real chances of improving credit profile Best chance to get over CCJ and improve overall finances

Can I Get Bad Credit Loans with No Credit Check?

Flexibility becomes a noticeable feature when you are pursuing the financial assistance of a direct lender. The no credit check factor is the best example of it. With Easypolicy Loans, you have double benefits, i.e. bad credit loans with no guarantor and no credit check.

We always believe that Credit check is good for judging borrowers’ financial profile. At the same time, it should not halt your chances of the loan approval. Therefore, we have opted of no credit check policy that has benefited many people living in the UK. It brings many points into your favour, such as:

  • Better chance of making credit score amendment
  • Approval becomes more accessible than before
  • Ideal for first-time borrowers with no credit history

Easypolicy Loans always remains positive while helping people with various loan products. The short term loans for bad credit people can stable your finances and strengthen your grip more. Don’t wait, apply now...

Bad Credit Loans with No Credit Check Facility

Bad Credit Loans FAQs

How Do I Apply A Loan With Bad Credit and No Fees?

To avail the online funds under bad credit score, you have to apply for the undersigned loan called bad credit loan. The lender presents the borrowing with flexible features, which includes no fees to reduce the burden while applying. Therefore, by following the criterion of offering a good source of income and filling the small application form, you can get the disbursal if approved.

Will I qualify for a bad credit loan?

Yes you can qualify for bad credit loan by presenting the documents related to:

  • Income
  • Bank statements
  • Residential proof
  • Residential proof
  • Plus income from a rental property is also considered if going for a larger amount

Can I apply for a loan without affecting my credit score?

It is vital to get your credit profile check first, but do not worry. There will be no impact on the credit score. Only you can have access to search on your file. If you have plans to borrow the amount from lending sources, then you can take a step forward to get an idea of whether how much money you can avail of depending on credit score.

What are the alternatives to taking out a loan if I have bad credit?

First, you can avail bad credit loan from online direct lenders. However, if you are still searching for alternatives, you can consider taking drafts, payday loans, or other short-term online borrowings as per the need of the situation.

Will I qualify for very bad credit loans with no guarantor and no broker?

Yes, you can qualify for very bad credit loans with no guarantor feature. The lender accepts the applicant with a flexible income approach. You can apply via income from:

  • Savings
  • Business profits
  • Rental property
  • Part-time work

Is getting Low APR on bad credit loans possible, and if yes, then how?

It depends on the financial record you carry on every loaded purchase. The lender can consider the previous history of your financial performance. Based on your current income, you can get a low APR.

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