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FAQs for £50 to £500 loans

Answers to Frequently Asked Questions

Can you accept applications from people with a bad credit history?

    • It's people with a less-than-perfect credit history that this type of loan is perfect for. Our lenders consider all applicants regardless of their credit history. If you've been refused by high street lenders then you should seriously consider a guarantor loan.

Why is a guarantor required for the loan?

    • A poor credit history and the use of a guarantor means it is possible to lend to you where traditional lenders won't. If you keep to the agreed repayment schedule, your guarantor will not be required to do anything more than sign the initial agreement form. In other words the use of a guarantor means that your credit history can be almost ignored. With smaller loans like these your guarantor can be either a tenant or a homeowner. Guidelines on selecting your guarantor are available.

Do you credit check me?

    • With a guarantor backing you there is only a simple check to ensure that you are who you say you are and not currently bankrupt or on an IVA. This is done by looking at your credit report. If a credit score is done it has much less relevance because you are providing a guarantor.

How much can you lend?

    • The largest initial loan is £500 (though £750 may be available). The exact amount that will be offered to you will be decided on following receipt of your enquiry and will depend on the lenders' assessments of your situation. All our lenders operate responsible lending policies.

You have offered me less than I would like, can you help with a larger amount?

    • All applications are individually considered. The amount that can be offered will be the largest amount that it is felt can be lent to you at this time. Lenders operate responsible lending policies.

Can I make overpayments?

    • You may repay the loan over any period you wish - repay in one lump sum or do what many people do and pay a monthly sum which includes the month's interest and some of the amount borrowed. You can take advantage of the fact that the interest on the loan is calculated on a daily basis. By paying off the loan as fast as you can you reduce the overall cost of borrowing.

What forms of identification do you needed?

    • Your debit card details is all that is required. You are not required to send in any documents. The whole process is online to ensure speedy payout of your cash.

Why do I need a debit card?

    • Our lender uses your debit card details to prove your identity and make repayments.

What documentation do I need to provide with application?

    • The great news is that neither you nor your guarantor need to provide any documents at all - the entire application process is done online. It is so fast that it is quite possible to get the cash you need within 2 hours. Start your application here.

How fast can I get my short term loan?

    • Our lender has worked hard to streamline the application and payout process. By making the entire process an online process it is readily possible to get your cash within 2 hours of making your application. The process does not require any documents from you. Proof of your identity is satisfied by providing your debit card details. Your guarantor provides their contact details to support your application.


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£500 to £12,000:

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£50 to £500:

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Why choose Solution Loans?

  • A No-Fee Service§
  • Avoid Impact of Credit Scoring
  • Exclusive Loans
  • Non-Homeowner Guarantors accepted!
  • Poor Credit Specialists
  • Can be Paid To You within 24 Hours
  • Repay Early with No Penalties
  • No Home Visits
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Solution Loans is a trading style of Affiniti Digital Media Ltd. Registered Office: Moorgate House, 7 Station Road West, Oxted, Surrey, RH8 9EE. Registered in England & Wales, number 5180470. Solution Loans is authorised and regulated by the Financial Conduct Authority (FRN 726074). Registered with the Information Commissioner's Office - Z8703415. Solution Loans acts as an introducer to guarantor loans lenders.