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Poor Credit Loans

Poor Credit Loans make sense if you are in the unfortunate position of having run up mortgage arrears or have defaulted on payments for other loans or debts. Your credit history is gathered centrally at one or more of three credit references companies (Experian, Equifax, Call Credit). Any problems you have had with credit extended to you are recorded and available to other lenders to see – you can think of this as your credit history.


So, if you have a poor credit history you will struggle to get a loan in future unless it is a poor credit loan. However, with the recent credit crunch and the economic recession poor credit loans have become very hard to get, and high street lenders are not interested at all. So, what can you do?


Our guarantor loans are a brand new form of poor credit loans. They solve the problem of having a poor credit history by not needing to refer to your poor credit history when making the lending decision. How does this happen?


With a poor credit loan you provide a guarantor who will back up your application. Because they would guarantee to pay off the loan should you default there is no lending risk and so no need to look at your credit file – if your guarantor is prepared to back you then so are we with a poor credit loan. Problem solved!


Features of these Poor Credit Loans

  • You are not credit scored so your credit history is irrelevant.

  • They are unsecured loans – no security needs to be provided; no assets are put at risk.

  • There are short terms loans of £50 to £500 and longer term loans of £500 to £12,000.

  • They are fully flexible meaning there are no early repayment charges so that you can repay more quickly to reduce the cost of the loan.

  • Successful repayment means you can improve your credit rating for future credit.

  • Use your social network to allow you to avoid being credit scored – the Facebook of poor credit loans.


To get one of these poor credit loans all you need to do is make a simple online enquiry and you’ll be sent loan offers by one or more lenders. Once you have completed the loan documentation the lender will aim to get the unsecured loan to you as fast as possible – small loans within 2 hours and larger loans within 24 hours.

Get up to
£12,000 within 24 Hours


Our 100% online fast track service means you can get an instant decision and payout within 24 hours of acceptance.


First Name:



Mobile Number:

Loan Amount:

£500 to £12,000:

44.9% APR Representative*
See example


£50 to £500:

842% APR Representative*
See example

apply now

Free Broking Service

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. Interim Permission Reference Number 558724. Registered with the Information Commissioner's Office - Z8703415. Solution Loans acts as an introducer to guarantor loans lenders.