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Frequently Asked Questions

What is bad credit?
Bad credit is when the credit file of an individual reveals past defaults, County Court Judgements, Individual Voluntary Arrangements, bankruptcy, etc. The presence of these in the credit file is deemed to depict low credibility.

What are credit reference agencies?
Credit reference agencies are Experian, Equifax and Transunion. These record instances of credit deformities. When a lender requires a report about the individual, the credit reference agencies oblige by passing the credit report.

What will be the APR that I will get?
The APR largely varies with the amount of risk posed by an individual borrower. The amount of loan, number of credit deformities, collateral etc. will decide the APR that borrower will receive.

Do I need to keep collateral?
Borrowers need not keep collateral for getting a personal loan. We can arrange several loan deals which are available without the requirement of collateral.

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
A fee between 0% and 10% of the loan may be charged on some plans depending on credit history and ability to prove income.
Example: Loan of £15,000: 120 monthly repayments of £204.66, 10.4%APR variable. Loans secured on residential property.

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