• We do not credit score
Unlike most lenders who assess you application using a black and white credit scoring system, here at Loans4, your application will be individually assessed by one of our qualified underwriters and will be matched to the most suitable lender available to help you from our range of lenders.
In most cases we are able to arrange a low rate loan for you even if you have failed credit scores in the past.

• Refused Finance ? We can help you !!
No matter when or how many times you have been turned down for credit in the past, here at Loans4, we have a carefully selected panel of lenders who can help with difficult or not so straightforward cases.
You still may be eligible for a low rate homeowner loan as low as 7.7%, even if you have had credit problems in the past, depending on how long ago in the past you had the credit problem.
Regardless though of when you may have experienced credit problems in the past, we are confident we can help you and get the best rate available to you.

• No false promises
Unlike many other loan companies and brokers, we do not offer you a loan at 7.7% APR if you don’t qualify for one, leaving you disappointed and fed up after finding out half way through the application process.
What we will do is offer you the best loan rate available from our range of lenders, for loans which you qualify for.
We want to help you, and do everything possible to ensure your loan is accepted. The process is as fast and hassle free as possible.
If we can’t help you, we will let you know straight away. We think it is unfair to leave you waiting for a decision.

• Nothing to pay for 5 months
Yes! On a selection of our loan products available to you there are no repayments to make for the first 5 months, which means that you can start enjoying whatever you are using your money for without having to make repayments straight away.

• No equity = No problem
Even if you have no equity in your property, you may still qualify for a low cost homeowner loan. We have special loan products, which means we can use up to 110% of the value of your property in order for you to have the loan you want.

Example based on 100% of property value
House Value = £115,000, Mortgage Balance = £110,000 = £5,000 equity available.

Example based on 110% of property value
House Value = £115,000 x 110% = £126,500 Mortgage Balance = £110,000 = £16,500 equity available

• Self-Employed with no accounts or proof of income ?
We can Help ! If you haven’t got any accounts, perhaps because your business is new, or you are self-employed and have no easily available proof of your earnings, we know it can sometimes be difficult to prove your income, so we have special loan products available to you. Our loan qualifier will tell you which loan you qualify for, the interest rate, and the monthly repayment.

• Fixed Interest Rates
1, 3, or 5 year fixed rate loans are available to you depending on your credit profile. These help you budget and plan more easily knowing that your loan interest rate / repayment will not increase over this period.

• Over payments allowed
Most lenders do not like you over paying / paying more than your contractual payment each month to clear your loan quickly, as this means less interest and less profit for them !
Here at Loans4 our most popular lender allows you to make overpayments on your loan each month (up to a specified maximum amount each month), so you can clear your loan quicker without incurring a penalty for doing so.
This means you are in control of how long it takes you to clear your loan, and the amount you pay back in interest.

• Poor credit history OK
Yes ! We appreciate many people have had financial difficulties at some stage over the last 10yrs. You may have lost your job, had an unexpected family problem, become overcommitted financially. There are many different reasons that could have resulted in you having a bad credit history.
Here at Loans4 we listen to your reasons, and take this into account when assessing your loan application.
Depending on the nature of the credit problems you have had in the past, and your current credit profile, we will select the best loan plans available to you from our range of lenders.

• Quick Qualifier
No more nasty surprises! We want you to know exactly what you are applying for before you apply. So no applying for a loan rate of 7.7% APR if you don’t qualify for that rate loan.
Our quick qualifier allows you to see which loan APR and monthly repayment you qualify for based on criteria such as your income, your previous credit history, and the amount of available equity in your property.

• Apply On-line
Making your application on-line is quick and easy, you can apply at your convenience
24hrs a day

• Quick decision
Within our normal opening hours we will contact you within 1 hour of receiving your loan application. So you won't be hanging about wondering if we can help you or not.

• Loans for any purpose
We are able to help you finance a wide variety of purchases, and help repay any existing loans, shop finance, car finance, and credit cards that you may have.
A consolidation loan will give you more flexibility to do what you want.
Clearing all your credit into one easily manageable, easily affordable repayment each month means you can replace higher APR rate credit with a low rate homeowner loan, and have more money to spare each month which will help stop the need for you to use credit cards in the future.

• Loans from £3000 to £100,000
We can help up to a maximum loan amount of £100,000

•Low APR from 7.7%
Our rates start as low as 7.7% APR for loans of £25,000 and above.
Use our ‘Do you Qualify ?’ feature to find out what APR loan you qualify for by answering 10 simple questions. The quote will be tailored to match your credit status …. before you apply !

View Repayment Examples

• Repayments 3 - 30yrs to fit your budget
It is important that your loan repayment fits your budget and you are comfortable with the repayment you have chosen.
We offer terms of between 3 and 30yrs to match your budget.

• Fast decision within 1 hour
Yes! No more waiting days for a decision on your loan applications.
Our service standard is to contact you within 1 hour of you submitting your application to us.

• We specialise helping people who have already been declined by main high street lenders
Main banks and high street lenders have strict lending criteria which you must meet in order for your loan application to be accepted.
Here at Loans4, we have a range of lenders who specialise in helping people who have been declined elsewhere for whatever reason.
Many of our lenders are connected to main banks, however interest rates may be slightly higher depending on how many CCJ’s, Defaults, and Missed Mortgage payments you may have registered against you, and the equity available in your property.