At CUJ Loans, our partner specialises in finding quick loans online for people with bad credit. The lenders they work with all have the same thing in common, they want to help customers who have may have experienced some credit issues. Lenders will now take into account your employment status, income and amount of your outgoings, rather than just your credit score. Bank and Building Societies are unlikely to help customers who don’t have good credit but rest assured, they can help find you a lender even if you have a very bad credit.

We understand that credit scores are no longer a true reflection of a person’s financial status. Therefore, they have selected lenders that specifically provide quick cash loans for people who would perhaps struggle to be approved in the past. Their ‘soft search’ technology means that they can search the market for you without damaging your credit score and to see how likely you are to be accepted. This means that when you apply for a loan via CUJ Loans, there is no impact on your credit rating and the only time a full credit check will be completed is after you have accepted the loan offer that they find you for your quick loan.

Knowing which lender to apply to is a daunting prospect. There are lots of lenders that offer quick small loans saying they are the best around. These lenders will all have slightly different criteria for who they will accept. At CUJ Loans, our partner has built a large panel of lenders to make sure our customers have access to some of the best quick money loans on the market. Lenders will offer different loan amounts, repayment terms and acceptance criteria so we have made everything easy for you. By completing one application they can search the market to find you the most suitable loan, getting you an instant decision in the process. In a matter of seconds, they will search their market-wide panel of quick loans direct lenders to get you the quick cash that you are looking for.

When looking for a loan, you can often be bombarded by lenders with claims of the best loan, no credit check, quick loans and guaranteed loans. Whilst such messages are of course attractive, when you look deeper you will often realise that such claims can be at the very least misleading, and more often than not, simply not true. Understanding the confusion and problems such false claims can cause, we and our partner strive to offer complete transparency at every stage of the process.

How good your credit score is will determine the type of lender that will accept your application for a quick loan. Many lenders now specialise in providing loans to all types of people with all credit histories. As explained, our partner can find the right loan for you in a few short minutes. The lower your credit score the more difficult it is to be approved for a loan, but don’t worry, they work with dozens of direct lenders who want to help you find your quick loan for bad credit.

From small loans of just hundreds of pounds or less, right up to larger loans that run into the thousands, our partner’s panel of lenders is designed to give you the widest access to the largest selection of short-term loans, payday loans or bad credit loans. Everything we do is completely free of charge, meaning there are no hidden costs or fees waiting for you. This ensures you repay the least amount of money possible, and not waste anything on finders fees or application fees.

You can apply for loans between £100 and £5,000 at CUJ Loans, the application process is the same, quick and easy with an instant decision. You can also spread the repayments over a period of 3 to 36 months. This gives you great flexibility and ensures that you can find a repayment plan to suit your budget. Lenders will allow you to borrow money for virtually any purpose, so if you need emergency cash or you need to consolidate debt or make a large purchase, there will be a suitable product for you from quick cash online direct lenders.

The short answer to this question is, it is very important. There are many reasons for this, the first of which is how the length of your repayment plan affects the amount you ultimately pay back. It will come as no surprise to learn that the longer you borrow money for, the more you eventually pay back. As such, the obvious reaction to this is to try and make a loan as short-term as possible. Of course, this means that your monthly repayments will be much higher. One problem with this is that it can lead to further financial issues each month as you struggle to repay the loan whilst keeping up with all your other normal expenses.

We strongly recommend that you always realistically budget for what you can afford to repay back each month. To help with this, our partner’s panel of lenders provide incredible freedom in relation to how long loans can be repaid over. As such, you can get easy access to quick cash, for anything from less than one hundred pounds right up to thousands of pounds, and across any time period, everything from 3 months to 36 months. What this means is that you can more accurately get a loan that best suits your cash requirements at that time, as well as what you can afford to repay each month moving forward.

For many, the prospect of applying for a loan with no credit check is very appealing. Scared of being declined or worried their past bad credit rating will prevent them from lending money, people often look to lenders that promise no credit check loans. Whilst this, of course, sounds attractive, sadly the truth is very different. All lenders have to be authorised and regulated by The Financial Conduct Authority which requires all lenders to perform a credit check on every application. This legal requirement means all authorised lenders must perform checks.

At CUJ Loans, our partner has a ‘soft search’ facility with all of the lenders on their panel. This means that they can search for your loan without affecting your credit file, giving you the peace of mind that they have found you the best deal. Allowing them to search the whole market for the best deal, this soft search gives you the assurance that your credit rating is protected, as multiple hard searches can reduce a customers credit score.

If you are struggling to meet the monthly repayments on your credit commitments, you should act quickly. Reducing your monthly outgoings with a consolidation loan is a preferred way for many people to manage their financial situation if they have multiple creditors. If you are unable to get a debt consolidation loan, admitting that there may be a problem is the first step to dealing with it. The first thing you should do if you are unable to make a repayment is to speak to the company before you miss the payment. This will enable them to possibly defer the payment and it could help you avoid any charges. All lenders have a duty of care to try to help customers who may be experiencing financial difficulty, and a deferred payment may improve your situation.

If your situation is more serious, and your outgoings have become larger than your income, it is essential that you seek free debt advice. Please use the links below

stepchange.org
nationaldebtline.org