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What about the credit squeeze? Can I still get a secured loan if I've had credit problems?

Update 2010 - Lending criteria has tightened up over the past few months but although it's not as easy to get credit as it was a year ago, there are are still loans available. A secured loan can be much easier to get than an unsecured loan if you've got a bad credit record. Our panel of lenders can also help if you're simply looking for a competitive rate.

Find your secured loan within minutes - enquire now

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There's no obligation, no catches, no charges and our service is 100% confidential. We are registered with the UK Office of Fair Trading and Data Protection Registrar.

Considering a homeowner or secured loan?

Loansite can help you find it. If you are a UK homeowner or are paying a mortgage and are looking for the best deal on a secured loan, mortgage, remortgage or debt consolidation, just complete one simple form to apply to some of Britain's leading lenders.

Why opt for secured?

It can be easier to get a loan on a secured basis if you have a bad credit history. Past problems such as arrears or county court judgements (ccj's) are less of a problem with a secured loan.

When you are looking for finance, it is advisable to compare the interest payments you will be charged (the APR - Annual Percentage Rate) from several lenders as this will help you to determine how competitive they are.

In general, the more you borrow, the lower the interest rate will be.

If you are offered a 'fixed' interest rate, it means your payments will remain the same throughout the term of your secured loan, regardless of any rises or falls in the bank's base interest rate.

Knowing your monthly payments are going to remain the same can help with your budgeting.

If the secured loan has a 'variable' interest rate your monthly payments may alter with any changes to the bank's base interest rate.

Ensure that before you take out any secured loan that you know what your monthly payments will be, for how long , whether they are fixed or variable and how much you will pay back in total.

Use our fast and free service to find the best APR from top UK lenders. Poor credit history, self-employed or self-cert? Our lenders can help you find a secured loan in nearly all cases.

Free Service. Fast, Confidential and no-obligation quotes from top UK lenders.
Poor credit history, CCJ's. Self Cert or Self Employed are welcome to apply. No credit check without your further permission.
Enquire with confidence - We are an established UK based broker registered under the UK Consumer Credit and Data Protection Acts.

Our lenders can find what's right for your needs. Apart from competitive APR's (annual percentage rate), our lenders also have options available which can include:

The option to overpay either regularly or as a lump sum. This can substantially reduce both the term and the total amount you repay.
Self certification - where the lender won't require proof of your income.
Payment holidays where you can take up to a three month break from making your repayments

What is the difference between a secured and an unsecured loan?

When choosing the right finance you need to be aware of the differences between the many options offered, and which will suit your circumstances the best.
Do you need a large or small loan over a short or long repayment period? Which loan suits a houseowner, or somebody with a bad credit history?
The choices become much easier when you know the differences.

Secured Loan

This is secured on your property by the lender. This means that the lender has little risk of losing any money and so can offer a lower APR (Annual Percentage Rate) than would be available with an unsecured loan. In the case of a good credit history, our lenders can often offer secured loans to a higher proportion of the equity available in the property.

It is also easier to get a loan on a secured basis if you have an adverse credit history. Past problems such as arrears or county court judgements (ccj's) can be discounted to an extent.

In all cases with secured loans you should be aware that your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

If you've had credit problems in the past or can't prove your income this could be the ideal solution to your loan requirements. Simply fill in the free enquiry form at the top of this page to find out more.

Unsecured Loan

An unsecured loan can cost more in repayments but does not carry the risks of a secured loan. If you don't repay it, the lender can't take your house off you. For this reason, it can be difficult to get unsecured loans if you've had problems in the past with late or missed repayments on loans or credit cards.

BUT! - We specialise in helping users who may have experienced credit problems in the past so don't worry about asking us about an unsecured loan - our sympathetic lenders can often help where others may fail! Apply now and you can receive a cheque within 24 - 48 hours!

enquire now

Secured loan phone help Loansite is one of the longest established online brokers in the UK - we've helped thousands of people find loans and remortgages so why not let our lenders do the shopping around for you?

Don't worry if you've had past credit or money problems - our panel of lenders offer competitive rates, so fill in the fast enquiry form below or talk to a friendly advisor on 0800 043 7474 and find out how we can help you get the loan you want. There's no obligation, no charges and no credit check without your permission.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Our typical APR is 21.9% Variable. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

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