Have you been declined for credit?

Don't worry in most instances there will still be many solutions available to you. If you would like to speak to someone and see what options are available, simply fill in the details below and Aspire Money, a trusted partner of Moneysupermarket.com will contact you. Aspire Money specialise in finding both lending and non lending solutions for customers who may have been declined for credit in the past or who are struggling to service their existing debt. Your personal information is safe and secure with us and we guarantee that we will only pass the details to approved partners.

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Best Sellers

  are selection of products that you can apply for through moneysupermarket. We will not charge you a fee for this service and we are not tied to any one lender. To compare all UK Loans use our Search gadget above.

Good Credit Profile

Tell me how to work out my credit profile

Product/Provider Headline rate Payment per month Total charge for credit Total amount repayable
Platinum
Moneysupermarket Exclusive 		6.0%

Homeowner loan borrowing £10,000 over 5 years. Typical APR of 14.5% variable.

Payment per month £192.59 Total charge for credit £1,555 Total amount you repay £11,555 More information >
CHEAPEST Homeowner Loan in the UK for loans from £10,000. Fixed rates available.

Exclusive : UK's CHEAPEST Homeowner Loan, no credit footprint when you ask for a quote. Fixed rates available.
Fluent Money
Moneysupermarket Exclusive 		7.8%

Homeowner loan borrowing £15,000 over 4 years. Typical APR of 14.3% variable.

Payment per month £362.92 Total charge for credit £2,420 Total amount you repay £17,420 More information >
EXCLUSIVE HOMEOWNER LOAN. Loans from £15,000 - £30,000.

Exclusive : Provided by Nemo Personal Finance, part of the Principality Building Society Group.
Norton Finance
 10.7%

Homeowner loan borrowing £25,001 over 5 years. Typical APR of 17.9% variable.

Payment per month £533.77 Total charge for credit £7,025 Total amount you repay £32,026 More information >
Loans for homeowners. Fixed for loan term available.

Norton Finance have loan plans available for all customer circumstances.
Ocean Finance
 9.7%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 13.7% variable.

Payment per month £250.25 Total charge for credit £2,012 Total amount you repay £12,012 More information >
Loans for homeowners. Fixed for loan term available.

FREE quotes, NO obligation. Loans for any reasonable purpose. Variable and Fixed rates available (subject to status).

Fair Credit Profile

Tell me how to work out my credit profile

Product/Provider Headline rate Payment per month Total charge for credit Total amount repayable
Platinum
Moneysupermarket Exclusive 		6.0%

Homeowner loan borrowing £10,000 over 5 years. Typical APR of 14.5% variable.

Payment per month £192.59 Total charge for credit £1,555 Total amount you repay £11,555 More information >
CHEAPEST Homeowner Loan in the UK for loans from £10,000. Fixed rates available.

Exclusive : UK's CHEAPEST Homeowner Loan, no credit footprint when you ask for a quote. Fixed rates available.
Fluent Money
Moneysupermarket Exclusive 		7.8%

Homeowner loan borrowing £15,000 over 4 years. Typical APR of 14.3% variable.

Payment per month £362.92 Total charge for credit £2,420 Total amount you repay £17,420 More information >
EXCLUSIVE HOMEOWNER LOAN. Loans from £15,000 - £30,000.

Exclusive : Provided by Nemo Personal Finance, part of the Principality Building Society Group.
Ocean Finance
 9.7%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 13.7% variable.

Payment per month £250.25 Total charge for credit £2,012 Total amount you repay £12,012 More information >
Loans for homeowners. Fixed for loan term available.

FREE quotes, NO obligation. Loans for any reasonable purpose. Variable and Fixed rates available (subject to status).
Norton Finance
 10.7%

Homeowner loan borrowing £25,001 over 5 years. Typical APR of 17.9% variable.

Payment per month £533.77 Total charge for credit £7,025 Total amount you repay £32,026 More information >
Loans for homeowners. Fixed for loan term available.

Norton Finance have loan plans available for all customer circumstances.
Central Capital
 12.5%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 19.4% variable.

Payment per month £262.54 Total charge for credit £2,602 Total amount you repay £12,602 More information >
Loans for homeowners. Fixed rates available.

No credit footprint when you ask for a quote.
Guarantor Loans Online
 47.9%

Representative example: If you borrow £5,000 over 4 years at a Representative APR of 47.9% fixed and an annual interest rate of 47.9% you would pay:

Payment per month £209.55 Total charge for credit £5,058 Total amount you repay £10,058 More information >
You must have a guarantor who is a homeowner. Loans between £1,000 and £5,000.

You must have a guarantor who is a homeowner. Loans between £1,000 and £5,000.
FLM Loans
www.flmloans.co.uk 		49.9%

Representative example: If you borrow £999 over 2 years at a Representative APR of 49.9% variable and an annual interest rate of 49.9% you would pay:

Payment per month £61.76 Total charge for credit £483 Total amount you repay £1,482 More information >
£500-£5,000. Will accept anyone with friend or family homeowner guarantor.

Guaranteed acceptance for anybody who can provide a suitable friend or family member who is a HOMEOWNER and willing to sign as a Guarantor.
Aspire Money
 62.1%

Representative example: If you borrow £1,000 over 3 years at a Representative APR of 62.1% fixed and an annual interest rate of 62.1% you would pay:

Payment per month £53.68 Total charge for credit £932 Total amount you repay £1,932 More information >
For loan terms of 24 to 60 months.

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Pounds to Pocket
 277.7%

Representative example: If you borrow £2,000 over 1 year at a Representative APR of 277.7% fixed and an annual interest rate of 277.7% you would pay:

Payment per month £318.56 Total charge for credit £1,823 Total amount you repay £3,823 More information >
12 month personal loans of up to £2,000. No early repayment charges are applicable.

For employed UK residents. 5 minute online application, smooth process and great customer service. Apply now and you can get an immediate decision. Enter promo code SUPER20 to save 20% off your first scheduled payment.

Poor Credit Profile

Tell me how to work out my credit profile

Product/Provider Headline rate Payment per month Total charge for credit Total amount repayable
Central Capital
 12.5%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 19.4% variable.

Payment per month £262.54 Total charge for credit £2,602 Total amount you repay £12,602 More information >
Loans for homeowners. Fixed rates available.

No credit footprint when you ask for a quote.
Norton Finance
 15.9%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 17.9% variable.

Payment per month £277.53 Total charge for credit £3,321 Total amount you repay £13,321 More information >
Loans for homeowners. Fixed for loan term available.

Norton Finance have loan plans available for all customer circumstances.
Ocean Finance
 19.8%

Homeowner loan borrowing £10,000 over 4 years. Typical APR of 23.6% variable.

Payment per month £294.81 Total charge for credit £4,151 Total amount you repay £14,151 More information >
Loans for homeowners. Fixed for loan term available.

FREE quotes, NO obligation. Loans for any reasonable purpose. Variable and Fixed rates available (subject to status).
Guarantor Loans Online
 47.9%

Representative example: If you borrow £5,000 over 4 years at a Representative APR of 47.9% fixed and an annual interest rate of 47.9% you would pay:

Payment per month £209.55 Total charge for credit £5,058 Total amount you repay £10,058 More information >
You must have a guarantor who is a homeowner. Loans between £1,000 and £5,000.

You must have a guarantor who is a homeowner. Loans between £1,000 and £5,000.
FLM Loans
www.flmloans.co.uk 		49.9%

Representative example: If you borrow £999 over 2 years at a Representative APR of 49.9% variable and an annual interest rate of 49.9% you would pay:

Payment per month £61.76 Total charge for credit £483 Total amount you repay £1,482 More information >
£500-£5,000. Will accept anyone with friend or family homeowner guarantor.

Guaranteed acceptance for anybody who can provide a suitable friend or family member who is a HOMEOWNER and willing to sign as a Guarantor.
Aspire Money
 62.1%

Representative example: If you borrow £1,000 over 3 years at a Representative APR of 62.1% fixed and an annual interest rate of 62.1% you would pay:

Payment per month £53.68 Total charge for credit £932 Total amount you repay £1,932 More information >
For loan terms of 24 to 60 months.

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Provident
 272.2%

Representative example: If you borrow £500 over 1 year at a Representative APR of 272.2% fixed and an annual interest rate of 272.2% you would pay:

Payment per month £79.13 Total charge for credit £450 Total amount you repay £950 More information >
£50 - £500. 52 weekly repayments collected from your home. All figures shown are approximate.

Weekly repayments collected from your home.
Pounds to Pocket
 277.7%

Representative example: If you borrow £2,000 over 1 year at a Representative APR of 277.7% fixed and an annual interest rate of 277.7% you would pay:

Payment per month £318.56 Total charge for credit £1,823 Total amount you repay £3,823 More information >
12 month personal loans of up to £2,000. No early repayment charges are applicable.

For employed UK residents. 5 minute online application, smooth process and great customer service. Apply now and you can get an immediate decision. Enter promo code SUPER20 to save 20% off your first scheduled payment.
Greenwood Personal Credit Cash Loan
 433.4%

Representative example: If you borrow £500 over 1 year at a Representative APR of 433.4% fixed and an annual interest rate of 433.4% you would pay:

Payment per month £92.13 Total charge for credit £606 Total amount you repay £1,106 More information >
£50 - £500. 52 weekly repayments collected from your home. All figures shown are approximate.

Weekly repayments collected from your home.


Homeowner Loans: The actual rate available will depend upon your circumstances.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Contact moneysupermarket.com at Moneysupermarket House, St David's Park, Ewloe, Flintshire, CH5 3UZ.

Discover other loan comparisons and related features

Compare secured loans (homeowners only)
Compare secured loans (homeowners only)

Provided you are a homeowner, your chances of being accepted for a secured loan are far greater as the acceptance criteria is nowhere near as strict as that for personal loans.

Payday loans
Payday loans

Can’t wait till payday? Our selection of payday loans could bridge the gap until your next pay cheque arrives. Find out more about how to make an application for short-term finance then compare fees and loan periods online.

Find Car Finance
Find Car Finance

Use our car finance calculator to find a car finance product designed for people with a bad credit rating.

Find a remortgage or a mortgage
Find a remortgage or a mortgage

If you have experienced financial difficulty in the past, our financial team will almost certainly be able to find a lender suitable for your needs. The mortgage industry has a huge array of products aimed at individuals that may have some adverse criteria. Don’t let bad credit stop you from finding a mortgage or remortgage.

Find a Credit Card
Find a Credit Card

Having trouble finding a credit card? We have a product specifically designed for people who have a bad credit rating.

Be the first to save with email alerts

Sign Up for Rate Alert Our weekly Rate Alert email keeps you up-to-date with all the latest news and loans available.

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Missing payments will have severe consequences and may make obtaining credit more difficult in the future.

Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700.

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