I am unemployed, can I get a loan?
Most lenders, such as your bank will require that you are in employment, with a regular income to approve you for a short term loan. There are some lenders, however, that still consider applications if the customer can prove they are able to afford the repayments. If you are in receipt of regular, guaranteed benefits, or a pension, you may still be able to take out a loan. You can apply for short term loans for unemployed people right here at CUJ Loans and our broker partner will try and find the right loan for you. There are no fees or obligation. However, if you aren’t in receipt of guaranteed, regular benefits it is best to not apply.
If you have a bad credit rating, finding a lender to approve you can be quite difficult. At CUJ Loans, our partner works with a wide variety of direct lenders who specialise in providing bad credit loans. These lenders will look at your ability to repay the loan, not just your credit rating.
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I receive Disability Living Allowance
If you are disabled, and therefore unable to work, you may be in receipt of DLA, or a similar type of benefit. Most lenders will look at this as a permanent income, and consider you for a short term loan. You can apply quickly and easily from your mobile phone, tablet or computer and get an instant decision on your application.