Please help me! I want to apply for a loan of just £1,000-£1,500 payable for 1 year. I am asking for help since I have problems with my details. I got here in the country in October 2008 for the work I applied for and I am contracted for 2 years. Ive been with my employer for nearly 9 months now. My profile belongs to needs improvement or poor credit because when I got here in UK, I stayed in a house which I rented for 6 months, then I moved here in my flat May of this year. Also, I've been with my bank since Nov 2008 since I need a bank account for work. But I am full-time employed and no bad credits since I dont have any credit cards and other loans. This is actually my first time. So please help me find one who will approve my loan application. Thanks!

Your first stop should be with your bank as you have built a relationship with them and they can see that you pay in your salary. You should also feel safer about applying for the loan.

You will probably have to take some identification, and you may need to take the offer letter for your job (or contract) showing your employment details.

You can look at the money tab on this site and look at entering your information in but as you don't have 3 years of address history, and no other forms of credit this is more difficult.

Do you have a mobile phone contract? These are a credit agreement.

You need to make sure that you are registered on the electoral roll at your addresses as these need to be on your credit record.

Good luck

Sparky.

Thanks, Sparky! Yes, it is kinda difficult. Actually, I do have a mobile phone contract, as well as a mobile broadband contract. I guess I should contact my bank then first if they can work out something. Thanks for your suggestion. Will keep posting whatever happens next. Thanks so much!

Sad to say, my bank was not able to apply me for one because i have a different account type which is not eligible for loan applications. any other alternative, guys? please help me.