If a higher street bank has turned you straight down within the past, this won’t indicate you can’t get that loan with a negative credit rating – or locate a direct loan provider that’s shopping for you.

Dot Dot Loans is certainly not an agent and then we’re not just a middleman. Connect with us so we’ll end up being the only individuals you cope with. And there are yet more reasons to turn to us if you are searching for a credit loan that is bad

• We are reasonable: No penalty charges and no included interest. You are going to just ever pay off the quantity we agree at the start. All things considered, no body likes surprises that are nasty
• We are versatile: brief or term that is long you are able to pick a payment period you like – from 3 to 48 months
• We are friendly: We are constantly very happy to assist us, our UK-based customer service team are easy to get hold of with any queries you may have if you need to contact
• We are fast: often, you simply can not manage to loaf around. Our fast loans for the credit that is bad could possibly be to you in an hour or so to be authorized
• We are completely managed: We are completely controlled by the Financial Conduct Authority (FCA) – and now we just provide bad credit loans to customers who is able to realistically afford them

We are pleased with that which we do, and now we’re aimed at assisting all our clients. But why simply take our term because of it? Realise why we are ranked ‘Excellent’ centered on our separate Trustpilot reviews.

Which are the great things about loans for bad credit?

Are you experiencing a credit history that is less-than-perfect? That loan for bad credit from direct loan providers like Dot Dot Loans could possibly be the ideal option. Here is why:

• Easy and quick: From a simple online application to getting a short choice immediately, our fast loans for bad credit are a proper assistance – perhaps not minimum if the income’s required in a crisis.
• Dealing with you as a person: we will never ever determine a software on your own credit rating alone. We have a look at your own personal circumstances, including earnings or earnings, to be sure that loan is suitable for you.

Do you know the possible drawbacks?

As with any types of credit, you will find dangers to be familiar with whenever trying to get bad credit loans from direct loan providers or agents. The 2 big items to look out for are:

• Greater rates: Loans for those who have a credit that is bad frequently have greater interest levels. The bigger the attention price, the higher the general price of borrowing will likely be.
• Payment concerns: sticking with your repayments is vital. By lacking a repayment, you can do further injury to your credit rating. But we are able to assist if you’re focused on falling behind or lacking a payment. Speak to us to see just what your choices are.

Why might I have ‛bad credit’?

Bad credit may be the unofficial term for having a less-than-spotless credit score. It may be you don’t have any reputation for utilizing credit after all. A number of the good reasons for having credit that is bad:

• Building a payment late (or not making one at all)
• Trying to get credit way too many times in a little while
• Getting a specific voluntary arrangement (IVA) or being made bankrupt
• Being a new adult without any past personal credit record
• Going towards the British – you cannot bring a credit score from offshore

Also things you might maybe maybe perhaps not think of can hurt your credit rating. You might never be registered to vote or there might be errors in your file. But this does not suggest you are stuck. Dot Dot Loans is here now to obtain that loan with a credit that is bad – even though other direct loan providers are saying “no”.