Legitimate lenders never "guarantee" or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.

If you apply for a real estate loan, it is accepted and common practice for lenders to request payment for a credit report or appraisal. However, legitimate lenders never ask you to pay for processing your application.

All loan applications are subject to credit scoring using experian or equifax. In the case of secured loan applications where we are looking at negative equity loans (i.e. loans to 125% of property value, searches will be carried out on these loan applications using both agencies.

Many of the facts on loan applications can be verified on the loan searches please ensure when filling out loan applications that all facts are correct - particularly with regard to adverse credit history relating to previous or existing loans/mortgages.

Although we can place your loan with over 400 loan providers in the UK only one search is carried out regarding your loan application - please do not submit multiple loan applications to other lenders this may reduce your credit score, and our ability to provide loan.

When completing your loan application if you feel there are relevant factors which should be mentioned regarding your credit history or your ability to repay the loan please provide details in space provided on our online loan application form.