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Borrow £500 for 4 Months, Four Monthly Repayments of £215.81 Total repayment £863.24 Interest Rate PA (fixed) 270.10% Representative APR 997%
Loans in the UK: How to Get the Best Deals
Throughout the history of time, individuals and businesses alike have constantly relied on financial services to survive multiple and often varying financial crises. But as the number of both the people and the businesses reliant on loan products and services have steadily increased, so did the number of borrowers who were unable to pay off their loan accounts. In an attempt to address this issue, traditional lending firms and institutions have decided to come up with a system designed to significantly decrease the number of borrowers who are unlikely to pay off the money they owe.
As a result, individuals who either had no means of stable income or had incomes that were deemed unsatisfactory by the lenders were automatically assigned or given poor credit scores. Borrowers who, on the other hand, were either always late in making their payments for their monthly dues, or frequently missed their recurring payments — regardless of whether they were done so intentionally or unintentionally — automatically had their bad payment histories reflected on their records.
As a consequence of this credit scoring in place, individuals who either had poor credit scores and bad payment histories were automatically precluded from securing any more of the loan products and services being offered by the traditional lending firms and institutions. Because of this, borrowers with bad credit were often left with very few — and often downright uncomfortable, implausible or completely impractical — alternatives in times of financial hardships. For many, the first option would be to borrow from friends and members of their families. But while this option always seems reasonable and highly plausible, the truth is, this option is not always available. The reality is that more often than not, friends and family would not hesitate to refuse lending in big amounts — or simply do not have the amounts that the borrowers were asking them to lend.
For others, the only option often left is to secure underground loan agreements from illegally operating lenders. And although procuring these types of loan products and services do offer borrowers the temporary resolution they need in times of urgent financial situations, these often come with generally irreversible long-term repercussions. Because these services are illegal and unregulated by the government, they often come with unjustifiably high interest rates. As a result, borrowers of these types of services often find themselves in perpetuated financial crises.
How to Get the Best Loans in the UK
As the number of borrowers with bad credit continue to pile up, the demand for more flexible financial solutions has also steadily increased — in the process creating an entire new market for borrowers with bad credit. In an attempt to address the needs of this whole new market, lending firms and institutions have decided to come up with a number of different loan solutions especially for borrowers with bad credit. With the emergence of innovative new loan services, borrowers now have access to more flexible, more affordable, and far more secure financial alternatives. And through the continuing innovations in technology and the subsequent evolution of the lending industry, a wide array of financial solutions have now been made easily available in the market.
Applications for most of the conventional loans being offered by traditional lending firms and institutions often entail waiting in long lines for long hours just for their submission, as well as even longer waiting when it comes to their approval and release of funds. Applications for these innovative new financial solutions, on the other hand, allows borrowers the convenience of being able to submit their loan applications even right from the comfort of their own homes. With application forms completely accessible online, borrowers now have the convenience of being able to submit their applications entirely online, anywhere, anytime. And with access to countless promotions now easily available through brokers’ assistance, borrowers can easily get the best deals even while having their transactions done entirely online.
How to Get Loans for Bad Credit
For individuals with poor credit scores and bad payment histories, securing conventional loans from standard lending institutions is no longer an option. But while borrowers had, in the past, very few alternatives, through the recent and continuing innovations in the lending market, borrowers now have immediate access to many different loan alternatives. With these innovative new loan solutions, borrowers can now avail of financial options in far less time compared to that of procuring loan options from traditional lending firms. Because applications for these financial solutions can generally be completed online, applicants are allowed the convenience of being able to apply anytime. With these innovative new financial solutions, applications are processed immediately after their submission, and borrowers can expect for their approval in as early as just mere minutes. And while the release of funds for approved conventional loan applications typically take weeks-long — because innovative loan solutions are completely done online — the release of their funds can be completed in much shorter time.
But while these types of loan solutions are far better compared to the underground loan agreements that are being offered by illegally operating lenders, these options don’t come without disadvantages. Because lenders are taking much higher risks in allowing borrowers with bad credit to avail of their financial services, interest rates associated with these types of loan options are normally significantly higher than that of the conventional loan solutions of standard lending firms.
When to Get Instant Loans
More often than not, problems concerning financial situations require immediate action — a fact that does not sit well with most conventional loan solutions from traditional lending institutions, simply because their processing and approvals often take incredibly long. With instant loan solutions, on the other hand, borrowers are given the convenience to enjoy fast and simple transactions. Because these financial solutions allow borrowers to fill up and submit their application forms online, they can submit their applications from anywhere they want using any device they choose, at any given time. In these type of loan options, borrowers are not asked to submit any more additional requirements, but basic documents are needed in order to allow lenders to establish the borrower’s identity and financial capacity.
Just as the name itself suggests, instant loan services can be easily procured, with the processing of applications done immediately following their submission, and their approvals completed in just a few minutes. The release of approved applications’ funds, on the other hand, can be expected within 24 hours from the time that the application was submitted.
But while these types of financial solutions make excellent resolutions to temporary financial situations, they do not always make the best resolution in every financial condition. Since these financial options are basically small loan solutions in short term payment conditions, they do not make good solutions to problems that require bigger amounts that need to be paid over in longer terms.
These types of loan solutions make good options, however, in urgent situations that require relatively small amounts — such as those that involve emergency car repair, emergency home repair, hospital bills in relatively small amounts, as well as other similar costs that are usually unexpected. These solutions also make good choices in relatively small purchases — such as those of travel expenses, or the purchase of new gadgets such as laptops, cellphones, television sets, and other similar purchases.
Will Getting Loans from Direct Lenders Yield More Savings?
Because of a common belief that procuring loan solutions from direct lenders would yield far better results, and consequently, more savings — borrowers are often more inclined to secure financial services directly from the lenders themselves. Many of these borrowers believe that by avoiding having to pay for the fees for loan brokers’ services, they are actually saving. But what is unknown to many borrowers is the fact that — although they do save a minimal amount when they borrow from the lenders directly — they miss out on the chance of being able to find better deals through the loan brokers’ services.
Since loan brokers bank on their network of lenders across many different regions, they have extensive access to numerous different deals and promotions that many different lenders offer across many of their different loan services. Without enlisting the help of loan brokers, borrowers miss out on the access to all these deals and promotions, leaving them vulnerable to whatever they are told to take by the direct lenders. And because loan brokers often give borrowers expert assistance in securing loan solutions that best fit their budget given their financial circumstances — borrowers have more chances of getting more savings out of loan brokers’ assistance than they have in borrowing from the lenders directly.
Guarantor Loans: When to Get Them
Guarantor loans are loans solutions which borrowers can only procure with the help of a guarantor. Guarantors can either be individuals or firms and/or institution who exhibit good credit standing and are willing enough to pay off the borrowers’ loan accounts in case they fail to repay them for any given reason. Guarantors can not be the borrower’s spouses, and must meet all the criteria that the lenders have set before they are even considered to take on these roles. But while procuring loan services through the help of guarantors sounds complicated, there are numerous benefits that borrowers can receive from these types of loan solutions. These benefits include, among others, those being enjoyed by borrowers of conventional loan services from traditional lending firms — such as lower interest rates, lower recurring payment increments, and much longer payment term conditions. Under these types of financial services, borrowers can address much more complicated financial situations without having to endure the disadvantages of higher interest rates and often unaffordable payment increments of short term financial solutions. But while these types of loan options provide borrowers numerous advantages — the sheer difficulty involved in finding individuals with good credit scores who are willing enough to pay off the borrowers’ loans often makes them implausible and unfavorable financial resolutions.
How to Get No Guarantor Loans
Because guarantor loans are often extremely hard for borrowers to procure, many lending firms have decided to come up with much simpler financial resolutions. Among these resolutions are no guarantor loan services — which are basically financial services that do not require the help of guarantors to be approved. Through these types of financial options, borrowers have the convenience of fast and simple applications that do not require the submission of any additional requirements. Applications for these financial solutions can be completed entirely online — which means borrowers can fill up their application forms, attach pertinent basic documents for submission, and submit their completed applications without even having to leave the comfort of their own homes. And because these applications can be done online, borrowers have the advantage of being able to submit their applications using any device anywhere at any given time.
Application procedures for these loan services often differ and vary depending on the lender and the policies that they have in place — but these applications are typically completed in just three easy steps:
1. Filling up application forms. In filling up application forms, borrowers are strongly encouraged to make sure that all the information required are provided, and that all the information provided are correct and accurate.
2. Attachment of pertinent documents. Although these types of financial services do not necessitate any more additional requirements, borrowers are still required to submit basic documents. These documents help lenders establish not only the borrower’s identity, but also his or her financial capacity. Among the basic documents usually required in loan applications are identification cards or proof of identity, latest statement of account or proof of income, social security, residential number, email address, and a working phone number.
3. Submission of application. In submitting their application forms, borrowers are urged to take extra measures to ensure that their application forms are not only duly filled up, but that the information that they provided in the forms are verified correct and complete; and that the documents required to be submitted are verified authentic as well as complete.
5 most recent personal loan reviews
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
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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
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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
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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.