huckster: The problem is the lack of a credit record.
It is a bit silly, but until you borrow money and then have a track record of repayment, some prospective creditors won't be interested in advancing a loan.
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If you google 'how to build a credit record' you will be able to read what she needs to do to help he credit record/rating.
The starting point may be to apply for a credit card and for her to spend a little, repaying the full balance each month.
Make sure she is on the electoral role and that she is registered as living at the address with the local authority. If you currently receive the single occupancy discount, that will be affected.
Huckster has it right on the nose. The fact that your GF has no credit means that she is an unknown risk and rather than take an unknow risk all lenders would rather decline that risk.
If your GF is not on the electoral role and has never had credit and has no credit profile then she is extremely unlikely to get any kind of credit anywhere including high risk loan accounts and high interest credit cards.
The advice that Huckster gave about the credit card would normally be what I would suggest too but if there is absolutely no credit profile at all then even credit card companies will decline.
I think the first step for you is to bite the bullet and accept that you are not going to be able to get the finance in the short term and need to do some groundwork before you will get a loan for it.
On top of getting onto the electoral roll as Huckster suggested it might be an idea to switch a couple of the household bills into her name (If your GF is living with you). You can still use the same bank accounts and payment methods you currently have in place but it mean the payment record will be in her name and will reflect on her credit record. She may want to switch to a contract mobile phone that pays by direct debit as this will also strengthen her record. if you can do this for a couple of months it will start to give her credit profile a bit of confidence, the longer this goes on (assuming all bills are paid) the stronger it will get. After a few months you may then be able to apply for a high interest rate credit card (normally designed for people with poor credit and low scores). With this card I would suggest that you keep a small credit limit and only put on bare essentails and as Huckster said. Clear the balance every month. Once you have been able to do this for a few months you could appl;y for a regular credit card or she may even be able to approach her bank at this point, or if it is for car finance then a few lenders may be available now.
I would strongly suggest that you do not apply to any more companies until her record has been built up a bit. It will only end in a decline and consiostant applications for credit will keep her score at rock bottom even when she is trying tio build it up. While I know she wants the money now, I would strongly recommend that she be paitient and work on making sure that when she does eventually apply for the credit that she has the best possible chance of being accepted and decline after decline will only lead to more declines.
Follow Hucksters sugggestions and pick out any of mine too and within a few months (6-12) you should be able to gain credit. But make sure that you use the credit wisely, don't just pay minimums if you can pay more (on credit cards) and this will help you if you need more credit in the future such as credit cards, loans, car finance and even a mortgage.
If you follow none of the advice above then please follow this last bit. DO NOT try and apply for personal loans through loan brokers. They will mainly try the companies you have already approached and each broker you approach will also charge you an upfront fee of anywhere from £50 - £100 just to look for the loan with no guarantees of getting a loan. Althought most of the fee is refundable it is hard and complicated to get it back and most brokerages rely on this part alone to make their money. This forum is littered with people who have had problems and who feel they have been mislead by brokerages who "promise" them loans. The people who apply through them are often desperate for the money and will do anything to get accepted and the loan brokers advertise in this fashion to draw the business but they make far more money from the broker fees than they do from any commission paid on any loans they do actually set up.the same applies to any and all payday loan companies.1425% APR. Avoid, Avoid, Avoid!!!
Please just be patient and do it the tried and tested way. It will cost you far far less
Good Luck.
*** And no I do not deal with small personal loans, i am a mortgage broker
