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The Answer To Your Cash Needs

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.

The Great Things About KnightFinance

Super Fast Process

You could get money directly into your account after just a 15 minutes application.

Affordable Finance

Get the cash you need without the usual high costs, because of our wide range of lenders.

Low Interest Rates

Compare lenders to make sure that you get the lowest possible rates.

Unsecured loans

There’s no need to put any collateral against your credit, all our loans are unsecured.

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Loan amount
£200 - £1,100
Loan term
1 - 4 Months
CUSTOMERSCORES
Fast services
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Loan amount
£100 - £2,000
Loan term
1 -12 Months
CUSTOMERSCORES
Excellent
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Direct Lending Solutions for Desperate Times

Money isn’t easy to come by for anybody in this day and age, regardless of the type of job one has. It’s become so bad that regular folks who used to be able to persist on an average-paying nine-to-five job would not need two jobs and the possibility of weekend overtime if one expects to have enough cash left over after payday to enjoy some simple comforts. Because of these reasons, more and more people are now forced to rely on lending companies to find the necessary leverage to tide by and make sure all the bills are paid.

The problem with many lending groups is that they keep tabs on their customers. Any self-respecting lending company will have a record of their customers’ details, credit history, and financial status. This keen recordkeeping ensures that they know which customers have the means enough to pay loans and which ones haven’t been paying on time. This creates a clear demarcation between individuals with ‘good’ credit history and individuals with ‘bad’ credit history. While the former are favoured and allotted certain privileges, the latter are ostracised and sometimes even banned outright from getting loans.

Ultimately, it’s just good business, but the segregation of ‘good’ debtors versus ‘bad’ debtors creates a ripe market for clandestine lending groups or individuals who offer monetary assistance completely out of the books. It may be seen as a good thing, especially by people who desperately need financial backing, but it actually cultivates a ripe breeding ground for the proliferation of debt, and the possible perpetuation of unseen criminal elements.

It is an undeniable fact of life that people need money, and in times of great desperation, people will do anything in their power to obtain it. Conventional lending firms who are more profit-oriented typically care about the promise of eventual returns – this is why credit history screening matters so strongly for them. Any typical lending company would like to know that the debtor will be able to pay back that loan in a timely manner, and in a way that will likewise accrue the lender some profits.

Desperate for Money ? Apply for Online Loans

Altruistic Lending – An Innovative Approach

While regular lending companies still stick to their tried-and-tested methods and protocols, more and more individuals are realising that catering to people that conventional lenders do not entertain can likewise generate a profit. In a world where there are more people with bad credit scores and less than ideal credit histories, the sheer amount of profit that can be generated from providing direct lending solutions is staggering.
This creates a market that address two very important issues – the first being that people who desperately need financial assistance can obtain it without the hassle of having to have a stellar credit record; the second being that it helps to combat the rise of shady underground lending groups that not only charge exorbitant interest rates, but also have erratic collection schemes that leave debtors far poorer than they actually started out.

Altruistic lending, often in the form of direct lending or secured collateral loans, do away with the time-honoured need to check an individual’s credit history and repayment capacity and instead offers short-term loans of a small to moderate sum, to be repaid in full or staggered payments for a predetermined period of time. This is an advantageous solution for individuals who for one reason or another cannot meet the demands of conventional lending firms, or for people who only need a small, insignificant loan of very little value, simply to get a project done or a debt quickly reimbursed. Not only does it ultimately help individuals in need solve their financial issues, it creates a sort of easily-accessible safety net for individuals who cannot afford to always have some extra cash stashed away, or who, for some reason or other, are simply struggling to make ends meet.

Obtaining Direct Loans – Made Easier On the Web

Traditional lending firms have a systematic approach to lending: they first conduct a thorough research on any potential borrowers. After obtaining their credit history and other pertinent details, the amount that the customer wishes to borrow, along with the projected reimbursement plan, is mapped out, followed by a lengthy wait until the loan is approved and the granted, and the funds given out. Individuals with bad credit history don’t even make it past the screening part before being rejected.

Thankfully, lending companies that specifically cater to this specific niche of potential borrowers do not screen as rigorously as your stereotypical lending firm. Rather, they offer the convenience of being able to apply for a loan using online forms found on many a website that proffers direct lending services. All that one needs to do is to fill up the online form with the same details as one would a typical lending firm, wait for a quick assessment and approval waiting time (no longer than a few hours to a day), and get the loan they need.

The shorter waiting period and the fact that one can apply for a loan at the comfort of their own home are all wonderful reasons to opt for direct lending, especially in situations where a quick and accessible means to finances is required. It must be noted however, that since short-term direct lending firms do not have the same stringent standards as regular lending companies, they cannot provide substantial loans, but veer more towards smaller loans and petty cash loans. If one is in need of more substantial amounts of money, the option of conventional lenders, co-maker loans, or secured collateral loans may be opted for. The former requires a stellar credit history, although the latter two many allow you to take on a loan without the need for a good credit history, provided that you have collateral or a co-maker to represent you.

Direct Lender Loans – Quick Solutions to Your Problems

Whether you’re in need of some extra money to address an unpaid bill, or some cash to fix something trifling that cannot wait, direct lender loans provide the much-needed solution to any small-time financial dilemma

Desperate for Money ? Grab That Online Loan Offer

 

5 most recent personal loan reviews

Review of Colonial Second Charge Loans

I love CSC loans I have been with them nearly three years, need a top up as my son is getting married. They where brilliant as usual, no problems, done so quick - they were my life savers when needed most, thank you.

Review posted by Mary Hartnoll, Canterbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Together

As guarantor for my daughters, loan the service we got was quick and efficient, did checks, asked questions and all was sorted very quickly, would definitely recommend Together loans to all.

Review posted by Susan Mills, Darlington

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Shawbrook Bank

Brilliant service. The application process was a doddle, the Shawbrook representative who called me was polite, understanding and cheerful. The whole thing (from starting the application process to receiving the money) took around 3 or 4 hours. Very quick and efficient and no long or silly forms to fill out. Just what was necessary. Am very pleased I chose Shawbrook.

Review posted by John Marcus, Surrey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from the UK Trust Pilot to certify authenticity.

Representative 277.5% APR

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances

Non-payment could have a negative impact on your credit rating and have increased charges and interest rates.