Get the funds you need fast without hassle. If you need cash assistance that is simple, quick, and reliable, we have it right here! Don't settle for less. Borrow for up to £25,000.
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Whether you're at home, office, or stranded on someplace, you can easily apply for a loan. Using our online platform, you can apply anywhere. You can have the funds you need in just a few clicks.
Select Loan Amount
You can select the amount that you need, exactly what you needed. We offer a range of options that you can choose from. And the best part is, you can have it as fast as two minutes.
The application process is so simple. Just complete an online form and provide your information. Make sure to include your proof of income and employment verification for your loan qualification.
Once you have completed the application process, you can sit back, relax, and watch the funds deposited directly to your account.
As a housewife, there may be projects that you want to do around your home that you’ll need some funds for. The problem is, if you’re staying home all the time and does not have a job, you will likely not have that much money stashed away for undertakings like these.
Taking out a loan from banks or other traditional lenders may not be as promising as well. Providers like these need assurance that their borrowers will have the means to pay the loan back. You being a housewife is definitely not going to make you a good candidate for a loan in their eyes since you may not be able to provide any proof of income.
Unemployed But Want to Apply for A Loan?
However, there are specialist lenders out there these days who may be able to assist you. These are lenders that are willing to look beyond borrowers with bad credit, are unemployed, and those that are likely to be turned down by regular lenders. Their assistance does come with such consequences such as a high borrowing rate, but for those that are in desperate need of cash, they can be such a great resource.
A loan where you will have to offer collateral in order to get approved, this is ideal for people who are unemployed or have a bad credit history. Lenders will less likely to care about the borrower’s credit score when there is security involved. They will base their decision on the value of the collateral. This is where the loan amount is going to be hinged on as well.
High-interest personal loans
This is where a lender will provide you a small personal loan but at a much higher interest rate. Lenders are going to assess your overall risk based on your credit history. They can be quite expensive though. If you decide to take advantage of this particular credit instrument, make it a point to pay it on time. It can have the potential of turning into a bigger financial dilemma if you miss payments and the loan fees add up.
Not all lenders are created equal and each has its own set of criteria. The most difficult is that no one really knows whether they will be accepted or not. However, there are ways on how you can increase your chance of getting approved so if you’re asking yourself “am I likely to be accepted for a loan’, this article might give you an answer.
How To Be Accepted For A Loan?
Know Your Credit Report
Even when you’re not looking for a loan, it’s crucial for you to know your credit standing and make sure that all the details entered are accurate. After all, some borrowers only acquire a credit rating because of a wrong data entered into their account. So, to avoid such things, check your credit report once in a while especially when you’re planning to take out a loan. This way, you’ll know what kind of loan you should be applying for.
Search For The Right Lender
Once you know your credit score, the next is looking for the right lender. If you have a good credit rating, this is not much of an issue since most lenders are likely to accept your loan application; however, if you have a bad credit remark, this can be challenging. Most borrowers with bad credit are rejected automatically, especially by banks and traditional loans. Meanwhile, others have a chance to find a loan but their options are limited, and if they have, they’ll only be offered with a small amount unless they can pledge collateral or bring a guarantor.
Check Your Debt-To-Income Ratio
Your debt-to-income ratio (DTI ratio) is important to most lenders. This is the ratio of your outstanding loans, credit card accounts, and other debts over your total monthly income. If your debts are higher than the amount you receive a month, it might mean financial troubles, and this can affect your loan application. Therefore, before you apply for a new account, be sure to manage all your debts first.