Loans for people with bad credit
If you suffer from a lack of, or a bad credit history, it can be extremely difficult to secure a loan from many lenders.
Perhaps you have never had credit, have missed repayments in the past, or have had numerous failed applications for credit. Unfortunately, these reasons can contribute to a vicious circle, damaging your credit score further as the more applications you make in a short space of time, the worse it gets.
Some lenders require a guarantor who would be responsible for paying back your loan should you not be able to.
Please be aware that loans offered to those with bad credit scores are usually offered at a higher interest rate.
Can I apply for a loan with Firth Finance if I have bad credit history?
Firth Finance considers all applications, even if you have a history of poor credit. Once we receive your details, we will run both a credit check and an affordability assessment. We consider your incomings and outgoings to make sure your loan is both manageable and affordable.
We make it easy to apply online, via your local Firth Finance Representative, or contact us by phone or email, with a straightforward application process and a decision available in as little as 24 hours.
How much does an unsecured loan for people with bad credit history cost?
Firth Finance has been a leading lender for people with bad credit in Northern Ireland since 1971. If you are a new customer with a low credit score, you can apply to borrow between £100 – £200. Existing customers can borrow up to £1200.
Our loans have various terms, which are based on the amount you want to borrow. Your payment amounts are fixed and your paperwork will clearly show you how much your loan will cost.
As a responsible lender with easy repayment options and no hidden fees or charges, we are proud to be a leading provider of competitive loans in Northern Ireland in the form of cash, or pre-paid debit MasterCard.
Don’t let a bad credit score put you off getting the loan you need.