Bad Credit Loans
If you have been refused a loan or credit because of a bad credit history, or are worried about previous poor credit such as arrears or missed payments on loans, credit cards or mortgages, then worry no more. We can help even with:-
- CCJ's
- Mortgage arrears
- Defaults
- Missed loan or credit card payments
- A discharged bankruptcy
- Bad credit is no problem to us
Make the most of our low interest rates!
- Rates from 7.9% APR!
- Terms from 5 to 25 years
- Loans from £3,000 to £150,000
- Fixed monthly repayments available
Simply complete the FREE Quote Application. It only takes a minute
Sit back and relax whilst we search for the best rate loan available for you. We have access to all the major UK Lenders.
Win a FREE DVD Recorder
Every loan application is automatically entered into our monthly prize draw**
Please complete this short form:
Prism Finance is proud to support the childrens charity Rainbow Trust
We have compiled a list of the most frequently asked questions and listed them here for you. Click on the question you wish to find the answer for and you will be taken to that section.
HOW MUCH CAN I BORROW AND FOR HOW LONG?
I HAVE LITTLE OR NO EQUITY IN MY PROPERTY. CAN I STILL APPLY FOR
A LOAN?
IS THERE ANY BENEFIT HAVING AN UNSECURED LOAN RATHER THAN A SECURED LOAN?
ARE THERE ANY RESTRICTIONS FOR WHAT THE
LOAN CAN BE USED FOR?
HOW MUCH WILL MY LOAN
COST?
WHAT INTEREST RATE WILL I BE CHARGED?
WILL IT COST ME ANYTHING TO APPLY FOR A LOAN?
WILL MY APPLICATION BE TREATED IN CONFIDENCE?
WILL YOU CONTACT MY EMPLOYER?
I'VE I'VE HAD FINANCIAL PROBLEMS IN THE PAST. CAN YOU STILL
HELP?
I'M WORRIED ABOUT BECOMING ILL OR BEING
MADE REDUNDANT?
CAN I BORROW AGAIN IN THE
FUTURE?
CAN I USE THE LOAN TO PAY OFF EXISTING LOANS AND CREDIT CARD DEBTS?
I'M SELF-EMPLOYED. AM I STILL ELIGIBLE?
WHAT IF I MOVE HOUSE?
I AM A
STUDENT. CAN I STILL APPLY?
I LIVE AT HOME WITH MY
PARENTS. DOES THAT PROHIBIT ME FROM ANYTHING?
HOW
LONG WILL THE LOAN TAKE TO ARRANGE?
Prism Finance is a licensed credit broker registered with the
Office of Fair Trading Licence Number: 561551
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT
Special plans on different terms for clients with CCJ's arrears, and for the self employed without income proof. (fees may apply but only on problem cases - max 10% - no deal, no fee) Written quotations available on request. Other terms and amounts available. All finance subject to status in the United Kingdom to home owners aged 18 and over and may incur a second charge on your property.
*Only applies to certain loan products. It is not offered by all lenders and is a deferred payment product subject to status. Interest is charged from the date of completion, with payments spread over the length of the term, less 5 payments i.e.: 180 months term, interest payments will be spread across 175 months.
**As a 'Thank You' to our customers, every application automatically enters you into our monthly draw (starting in Dec 2004) where you can win a DVD Recorder. The draw will take place on the last day of each month and the winner will receive their prize, delivered to them free of charge, as soon as possible after this date. Applicants must be over 18 years old. No purchase is necessary. A list of winners will be available by writing to us at Dixcart House, Sir William Place, St Peter Port, Guernsey, Channel Islands. GY1 1GX