Available Loans up to £5000

  • Instant quote with a soft credit check and no fees.

  • Small loans can be sent the same day

  • No obligation quotes processed for free

How much do you need?

Check out our 4092 reviews
01

Soft Credit

Instant quote with a soft credit check and no fees..

02

Small Loans

Small loans can be sent the same day

03

No Obligation

No obligation quotes processed for free

prioritising your debt

Whether you have a good credit score or have experienced problems in the past, our brokers unsecured loan lenders are here to help.

Unsecured loans are just like any other type of loan. They let you borrow a selected amount of money over a predefined period. Payments are usually calculated in advance using a fixed rate of interest. The repayments are typically made monthly and stay the same for the duration of the loan.

They are referred to as unsecured loans because they don’t require any security or guarantees, as is the case with most smaller loans. A lender will typically use your credit rating to gauge how much of a risk you are.

The lower the risk, the better the interest rates usually are. This is one of the reasons people with bad credit will typically be charged a higher APR.

Any money borrowed from a lender without a guarantor or some form of collateral is an unsecured loan. This type of loan can be for varying amounts and paid back over any period, whether a large amount paid back over several years or just a short-term loan from a direct lender.

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

01

Apply Online

Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash

02
02

Check Your Offer

Once you have your offer from the lender, you can review the offer and get your cash

03

Get Your Money

Once accepted, your money can often be paid into your account the same day.

How to prioritise your debts

These are debts that aren’t immediately going to cause you significant loss, such as losing your home or car but still require attention. You can contact the companies to arrange a small payment or to freeze the debt while you pay your priority debts. You can then focus on clearing the non-priority debts, usually starting with the one that’s charging you the highest interest rate first.

Non-priority debts include unsecured loans, credit cards, overdrafts, store cards, benefit overpayments, student loans, friends and family, or an HP agreement where the item isn’t essential.

If you communicate well, most lenders will be patient as long as you stick to what you say you’re going to do.

Priority debts are those that will impact your life in a big way. They can include obligations that could lead to having your home repossessed, losing your gas or electricity supply, being made bankrupt, or being taken to court. These debts are crucial, and if you start having difficulty with them, you should seek help immediately. You can contact the companies you owe money to and arrange a payment schedule you can manage.

Priority debts can include a wide range of debt types, such as:

Housing debts

Your mortgage or rent should always be the highest priority. Avoiding repossession or eviction is crucial for you and your family.

Housing debts

Your mortgage or rent should always be the highest priority. Avoiding repossession or eviction is crucial for you and your family.

Utility debts

Once your house is secure, it’s essential to ensure your family can stay warm and safe. Clearing gas and electricity arrears will make life easier.

Secured loans

A secured loan is usually secured against a specific asset, such as a car is when you have an HP agreement. Avoiding repossession can be vital if it affects your ability to keep earning money.

Council tax

Most local councils will help you by creating a payment schedule you can manage.

Child maintenance arrears

This debt can see you end up in court if you don’t arrange to deal with it.

HMRC

If you owe income tax, national insurance or VAT, speak to HMRC to arrange a repayment schedule you can cope with.

Urgent debts will include those that are taking court action against you because you can’t make any of your repayments. Urgent debts in this category usually require further assistance. Contact The Money Advice Service for additional information and help in dealing with these debts.

Begin by writing down all your debts, including everything you owe out, even personal borrowing with friends and family that you don’t need to pay immediately. This will allow you to categorise them by priority quickly. Urgent debts, priority debts, and non-priority debts.