Bad Credit
A term used to describe a poor credit rating from the
credit reporting agencies (i.e. Experian or Equifax).
Common practices that can damage a credit rating include
making late payments, missing payments, exceeding card
limits, entering into an IVA or declaring bankruptcy.
"Bad Credit" can result in being denied credit.
Quick Policies may be able to help if you have bad credit,
so get in touch.
CCJ
A CCJ or County Court Judgement is a judgement in the
county court for the repayment of an outstanding debt.
This debt does not appear in the credit register if
this debt is settled within 30 days of the date of the
judgement. Very few lenders are willing to offer loans
to anyone with an outstanding or unsettled judgement,
however .Quick Policies can often help in many cases,
so get in touch with us and we will see what we can
do.
Debt Consolidation
The combining and repayment of several debts by borrowing
the amount owed through one new debt. It is often possible
to reduce interest charges or monthly outgoings by doing
this. Often savings are made by converting unsecured
debts to secured debts. This however puts the asset
used as security at risk if payments are not maintained
in full. Interest rates on secured loans are often lower
than for unsecured loans because there is a lower risk
of non-payment to the lender.
Debt Management
An informal process of negotiation with unsecured creditors
to obtain a reduction in the contractual repayment and
/ or a reduction in the interest / charges being levied
by the creditor. The negotiation process involves providing
proof to the creditor that the individual has insufficient
income to meet all their contractual liabilities.
Secured bad credit loan
Just because you have a bad credit record, it doesn't
necessarily follow that you are not eligible for a loan.
In fact, if you're a homeowner you're unlikely to have
any problems in getting a bad credit secured personal
loan through us, whereby your home serves as collateral.
Your credit standing is considered bad if:
You have a county court ruling against you. You have
defaults or arrears against your name. You do not have
a statement to prove your income. You are self employed
with no accounting record of your business. You were
adjudged to be an insolvent by the law.
However, the good news is that there are several bad
credit personal loans on offer to meet your financial
needs at regular market rates without any additional
charge and you can even improve your credit history.
Firstly, find out what shape your credit rating is
in? Then apply for a bad credit personal loan at low
interest rates through us. No matter what your past
is, don't let it affect your future. Our panel of financial
experts will offer you advice in choosing the right
personal loan for people with bad credit. The rates
offered are amongst the most competitive in the UK and
a flexible repayment plan that makes repaying the loan
a tension free experience.
Bad credit secured loans
If you have a home but sport a bad credit history,
then your problems have an easy end. We offer bad credit
secured loans. All you need to do to get a secured loan
is offer your home as collateral. CCJs, arrears, defaults……nothing
need worry you any longer, for our secured personal
loans are designed to solve these problems. Our secured
loans are cheap, quick and easy to avail. Now you can
take a chance to fulfill your “to-do” list,
because we extend ourselves to satisfy your needs.
Unsecured bad credit loan
Just because you have a bad credit record, it doesn't
necessarily follow that you are not eligible for a loan.
In fact, if you're a homeowner you're unlikely to have
any problems in getting a bad credit secured personal
loan through us, whereby your home serves as collateral
but if you do not own property or do not wish to provide
any property as collateral, you can apply for a bad
credit unsecured loan. The loan however will be provided
at a rate slightly higher than that for a bad credit
secured loan.
Your credit standing is considered bad if:
You have a county court ruling against you. You have
defaults or arrears against your name. You do not have
a statement to prove your income. You are self employed
with no accounting record of your business. You were
adjudged to be an insolvent by the law.
There are several bad credit personal loans on offer
to meet your financial needs at regular market rates
without any additional charge and you can even improve
your credit history.
Firstly, find out what shape your credit rating is
in? Then apply for a bad credit unsecured personal loan
at low interest rates through us. No matter what your
past is, don't let it affect your future. Our panel
of financial experts will offer you advice in choosing
the right personal loan for people with bad credit.
The rates offered are amongst the most competitive in
the UK and a flexible repayment plan that makes repaying
the loan a tension free experience.
Personal Loans
Get your finances arranged through our personal loans
and use them for any purpose! You can use the personal
loans to buy a car, for an improved kitchen, to buy
a new house, for home improvements, a holiday.
We arrange loans for any purpose you can come up with.
If you have a number of outstanding bills like credit
card and store card bills, you can repay them with one
of our personal loans and then just have one monthly
payment for the same.
Distinguished features of a Personal Loan:
• Personal loans are available from £1,000
up to £25,000
• Rates which you can easily afford
• Spread your monthly payments of your personal
loans over a period of one to seven years
• Your monthly repayments will be made known to
you before hand, which makes your budgeting a lot easier
for you.
• There will be no concealed fees that you might
have to worry about when you take a Personal Loan from
us.
• Simple and quick loan application
Are you worried that you might not get a Personal Loan
from us just because you have a bad credit history?
If yes, then stop worrying. Our advice to you is that
we might be able to help you with a Personal Loan even
if you have a bad credit history. A bad credit history
won't prove to be a stumbling block in your way to procure
a Personal Loan. You get the cash you need irrespective
of your credit rating.
The quality of services for the personal loans that
we offer is at par with excellence. You will not get
any other plan for the loans that are as economical
as ours. Both in terms of the repayment plan and the
rate of interest, our personal loans are superior to
others.
Secured home loans
Buying a home can be an exciting experience; we are
aware of the fact and to help you live the experience
to the fullest we are offering you attractive home loan
schemes. You can procure a secured home loan against
the collateral of your existing home (if you are a home
owner) or against a property held by you.
There is a package designed for everyone because everyone
dreams of buying a home; that is why even for people
with a bad credit history we have a wholesome package
of bad credit home loans to finance your new home.
Our package of home loan includes:
• Refinance home loan
• Capital home loan
• Bad credit home loan
• Home owner loans
• Home loans for non home owners
These home loan schemes come cheap because the rates
of interest are among the most competitive in the whole
of UK. You can even jointly apply for a home loan. Our
financial experts will guide you from the time they
receive your application till the time you repay your
loan.
Secured loan
Nothing is more comforting than the security of your
home. It is a guarantee that even if there is some uncertainty
in your life, your home remains a safe harbour. And
this fact need not change when you are in need of a
large amount of cash…fast..! Your home is a security
for such dire circumstances.
So, what do you do when you need money urgently? Simple.
Just use your home (or property) as collateral and reap
the benefits. You can get an approval for a secured
loan very easily if you have a property to use as security.
Secured loans offer many advantages over unsecured
loan such as:
• Easy approval
• Negotiable terms
• Lower interest rate
• Longer pay-back tenure
Bad credit histories full of arrears, defaults, CCJs,
bankruptcy or if you are self-employed but find it difficult
to show proof of your income…relax!!! We offer
you one of the best online secured loans at low interest
rates in an easy and hassle free manner.
Tenant Loans
Usually, Tenant Loans should come within the purview
of Unsecured Loans. As with the latter, an absence of
collateral is what makes it synonymous with the Tenant
Loans. The Tenant Loans have been devised by Quick Policies
for the people sans home or any property. Assurance
can however, be given for granting of the same irrespective
of the adverse credit histories, CCJs or even the arrears.
Normally, the Tenant Loans accrue the higher interest
rates due to the non-availability of any property against
the same. Quick Policies ensures the credibility of
its name by entailing alongwith Tenant Loans, the expert
suggestions of our experienced panel. These prove to
be immensely beneficial for the people like you, who
are forever in the need of good counsel. An online application
form fulfills your obligations by opening the door of
opportunities for you.
Unsecured personal loans
Consider taking an unsecured personal loan if:
You do not own any property to provide as collateral;
you do not wish to provide your property as collateral;
and don't mind paying interest at a rate slightly higher
than that for secured personal loan?
The unsecured personal loans that we offer include
low interest personal loans that won't cost you a fortune.
A personal loan can be used to meet any of your financial
necessities like expenses for the improvement of your
home, buying a home appliance, funding your child's
education or any other purpose depending upon your need.
These loans come with a flexible repayment plan and
will not be a burden on your savings.
People with CCJs, arrears or defaults against their
name in the past will find a UK bad credit personal
loan with low interest that caters to their needs.
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