Loan Situation
Need a loan? At 1st4 (UK) Loans we understand that everyone has a different credit situation. We like to think of ourselves as the alternative loan lender. If you have been refused a credit loan due to a bad credit history, poor credit rating or maybe just because you are self employed, we can help. You can borrow from £5,000 to £100,000 for any purpose including
debt consolidation.
Click here to apply for a
homeowner loan online or here
for a non-homeowner or unsecured loan - see below for further information.
ALL 1st4 BROKERS GIVE UPFRONT
INFORMATION REGARDING YOUR LOAN AND PROVIDE THE FOLLOWING
GUARANTEE:
A decision in principle will be
sent to you by email or telephone (your choice) within 1 to 24
hours (excludes weekends & bank holidays) outlining:
- the APR
- the monthly
payment you will make
- the total you
will pay over the full period of the loan
- the total
interest you will pay
- FULL
instructions for finalising your loan agreement
You will also be given the option
to include payment protection. Although this might increase your
monthly payment, 1st4 strongly recommends you take out payment
protection insurance.
Bad credit history
If you have a bad credit history, you may have experienced difficulty borrowing from traditional lenders. At
1st4 (UK) Loans we will treat you as an individual and will search over 100 different loan plans to find the best loan rates for you. Apply online now.
CCJ's or Mortgage arrears
If you have CCJ's or mortgage arrears you may wish to get a loan with
1st4 (UK) Loans and reduce your monthly repayments by consolidating your debt. Maybe you have control of your finances, but high street banks won't lend to you with a CCJ or mortgage arrear, then contact us and let us search over 100 different loan plans and find the best loan to meet your needs.
Apply online now.
Poor credit rating
Whatever the reason is for your poor credit rating we will search over 100 different loan plans to try and find the best loan that meets your needs. We are the loan provider that will not judge you, so
click here and apply for a loan online.
No Equity or Negative equity
You can take advantage of a loan from 1st4 (UK) Loans Loans even if you have little or no equity in your home. Many of our plans allow you to borrow up to 110%, 115% or even 125% of your property value and still take advantage of some of the very best rates available. Apply online now.
Self employed
If you're self employed and need a loan, you have probably found it difficult to get credit in the past - but don't worry, we are different. We started as a small business ourselves, so completely understand the issues you may be facing. You can
apply for a loan online now and we will find the best deal for you from over 100 different loan plans.
Self certification
If you are self employed we can normally accept a self declaration of your income subject to information to support that you are actively in self employment such as an invoice, a VAT certificate or tax assessment - even if the profits show a lower figure than you are currently earning.
Apply online now.
No proof of income
We understand that there is no legal requirement to prepare accounts for the majority of small businesses and few go to the expense of having accounts prepared by a chartered accountant. However, most have an accountant for tax advice and you can simply ask your accountant to write to us to confirm your income in our prescribed form and this will be perfectly acceptable to us.
You may work in industries where work is seasonal or cyclical, or work for a company on a temporary or contract basis.
If you are employed we can normally accept hand written payslips, agency payslips, bank statements or an income reference from your employer.
You can borrow from £5,000 to £100,000. So if you want to clear your existing debts and make a fresh start with your finances,
apply for a loan online and you could have the money in 14 days!
