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We are proud members of FISA, the Finance Industry Standards Association. We are also members of the Association of Finance Brokers.

By asking for a quote, you are under no obligation to take out a loan. Also, we do not charge for this service.

Bad Credit Loans
At allaboutloans.co.uk, we appreciate that whilst not everyone has the same credit rating, and that different people have different circumstances, the fact that you wish to raise finance remains the same. Having a bad credit history may have meant that you have been refused credit in the past. 

We specialise in helping UK residents with a bad credit history, or have been refused credit elsewhere, to get finance. Whatever your circumstances, we will search the market and find a loan to suit your circumstances. 

As a leading online Finance Company we have access to all the main UK lenders.  This means that we can search through all these lenders and compare all of their available loans in order to get the very best rate loans for our customers, whatever their credit history.  

• CCJ’s, Arrears, Defaults, IVA’s all ok
• Free individually tailored quote
• Missed repayments ok
• Get the best rate
• 100% confidential and secure
• No obligation
• No upfront fees

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Debt Consolidation Loans
Simply by refinancing your expensive loans and credit cards into one low monthly repayment, you could save hundreds of pounds each month and release you from the burden of spiralling debts and repayments.  We can help you find a debt consolidation loan, even if you have a bad credit history and have been refused credit or finance elsewhere.

Simply by reducing the APR (Annual Percentage Rate) i.e. the interest that you pay in a year by just 1% or 2%, it can have a staggering effect on what you pay in interest.  Reducing your APR from 10% to 8% is not a 2% reduction as many people think, it is actually a 20% reduction in the interest that you pay. Let's put some numbers to that.  The interest paid in a year on £10,000 at 10% APR is £1,000. However, the interest paid in a year on £10,000 at 8% APR is £800. The reduction in interest payable drops from £1,000 to £800, which is £200. £200 is a fifth of £1,000 ie 20%. 

So the conclusion here is that even a small percentage rate saving on the APR can have a huge effect on what you pay in interest. Going the other way, the increase from 8% to 10%APR  is actually an increase of 25%!.  Now have a look at what you are paying on your credit cards. Be prepared for a shock! 16% down to 8% APR halves the interest payable in a year!

• Save money on high interest credit card rates
• Low rates
• Quick decision in under 1 hour
• Homeowners can borrow up to 125% property value
• Friendly and courteous service
• Bad credit history is no problem
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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Secured Loans
As suggested by the name, a secured loan is secured against collateral, normally property. When a loan is secured, the Lender is more likely to approve the loan, even if you have a history of bad credit. This means that a secured loan is quite often an attractive alternative to a bank loan or unsecured loan as there is more chance of being approved for the loan.

We only deal with reputable lenders, usually owned by major banks. This gives us the ability to compare all the available loans and get you the best secured loan rate available.

Despite all the attractive unsecured rates advertised, secured personal loans normally attract a better interest rate than unsecured loans, because there is less risk to the lender.

• Low rates of interest
• Quick decision in under 1 hour
• Borrow up to 125% property value
• Terms from 5 to 25 years
• Friendly and courteous service
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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Self Cert Loans
Being self-employed, or unable to prove your income, can often present problems when it comes to trying to obtain finance. Most lenders require 2 or 3 years full accounts from self employed people.  For a lot of people, this can pose a problem.

However, at allaboutloans.co.uk, we have loan plans available which do not require any proof of income.  You can self certify your income up to a maximum of £50,000.  Incomes above this may need a letter from an accountant stating affordability.

To qualify for this type of loan, you need to be a mortgage paying homeowner, have been self employed for a minimum of 12 months and have a relatively good credit history.

• No proof of income require
• True self certification
• Low rates of interest
• Quick decision in under 1 hour
• Borrow up to 100% property value
• Friendly and courteous service
• Borrow from £5,000 to £75,000
• No upfront fees
• No obligation

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Homeowner Loans
These are loans that are available to people who own their own homes (mortgage payers), as opposed to tenants that pay rent for their home.  It does not mean that you have to own the home outright.  In fact, due to the strange credit laws in the UK, it is impossible to get a secured loan under £25,000 on your property if you own it outright.

Homeowners quite often stand a better chance of getting a loan as the lender has a certain amount of security knowing that the borrower is not as likely to up sticks and leave as someone on a weekly rental basis.  Also, the loan may be secured against the property, making it an even safer bet for the lender.

• Low rates of interest
• Quick decision in under 1 hour
• Borrow up to 125% property value
• Terms from 5 to 25 years
• Friendly and courteous service
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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Personal Loans
If you are looking for a personal loan, allaboutloans.co.uk can provide you with the quickest and easiest way of getting your loan approved.  Just by spending 30 seconds filling in the short form, we will find you the cheapest loan available to suit your circumstances.

We will compare all the personal loans available on your behalf to get you the best rate. No endless hours of searching, one application will do it all.  We will find the lowest rate and then contact you to discuss the next stage in the process.  This means that we can get your loan paid out in the shortest possible time.

• Low cost loans
• Quick decision in under 1 hour
• Homeowners can borrow up to 125% property value
• Terms from 5 to 25 years
• Friendly and courteous service
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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Low Rate Loans
With the ability to search and compare over 350 different loan plans available from the major UK lenders, it comes as no surprise that we will be able to find you the lowest rate loan that suits your particular requirements. 

We will compare all the loans that fit your particular circumstances in order to find you the loan with the lowest rate.  Our ability to get loans at the most competitive rate means that we help hundreds of people each month find the low cost loan they are looking for at the rate they want.

• Low apr loans
• Quick decision in under 1 hour
• Terms from 5 to 25 years
• Homeowners can borrow up to 125% property value
• Friendly and courteous service
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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Cheap Loans
If you are looking for a cheap loan, then look no further.  Once we receive your completed application form, we will search the UK loans market to find the lender that will offer you the cheapest loan rate.

If you are looking to consolidate credit cards and other high interest debts, as long as the APR of your new loan is lower than what you are currently paying, you will have a cheap loan.  However, we will not only get you a cheap loan, we will get you the lowest rate available to suit your particular circumstances. In other words, the cheapest loan!

• Low apr loans
• Quick decision in under 1 hour
• Terms from 5 to 25 years
• Homeowners can borrow up to 125% property value
• Friendly and courteous service
• Borrow from £3,000 to £150,000
• Bad credit no problem
• No upfront fees
• No obligation

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