CCJ Loans - Getting a Loan when you have CCJs or arrearsMany people now have CCJs, county court judgements, arrears or even IVAs and bankruptcy, however these do not necessarily mean you will not be able to get a loan. Many lenders are willing to lend to people with CCJS, defaults and arrears, as they understand that many people get into debt through unforseen circumstances and that previous mistakes should not exclude them from getting the credit they need now. If you have CCJ's and need a loan, then you have two options, you can either apply for a loan where you do not need to be credit checked or you can apply to a lender who specialises in helping people with previous credit problems. Loans available to people with CCJS - no credit checksMany loans do not require a credit check, so depending on how much money you need to borrow and over what sort of time scale then one of these lenders should be able to get you the money you require.Payday Loans If you are employed and need cash quickly for a short period - one or two months at the most then this may be the option for you.
Doorstep Loans Doorstep Loans are available regardless of CCJs and previous credit history. Doorstep loan companies specialise in providing small cash loans to people regardless of their credit history. You can receive up to £500 delivered direct to your door
Unsecured Loans of up to £3000 - no credit checks No credit check unsecured loans are available of up to £3000, to anyone with a regular income over £100 a month. These loans require you to provide a guarantor who is between the ages of 23 and 69, is a UK homeowner and who has an income over £800 a month. A friend or relative may be willing to stand as guarantor for you.
Loan Finders If you need a loan which is not already listed here it may be worth considering a specialist loan finding service. These services use a panel of lenders who specialise in funding people in adverse circumstances, and can often find you a loan even if you have been turned down elsewhere.
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