The reasons for loan and finance applications being unsuccessful are many, however, the end result is always the same  -  you are turned down or refused a loan.

Every loan application received by our Lender is treated as an individual case and is looked at on its own merit.  Even applicants who have been refused credit or turned down for an unsecured personal loan in the past will be considered.

To obtain a copy of your credit file see Credit Reference Agencies  -  it is always worth a check every once in a while to ensure no unscrupulous characters are using your identity ...

If you are one of the 1 in 4 people that have a bad credit rating, the last thing you want is to be stuck with a high rate of interest for the term of your loan  -  apply online now for a competitive quotation.

Perhaps you have a County Court Judgement (CCJ) registered against your name.  You could get a CCJ for something as trivial as missing a payment on a book, for example.  Obviously, a CCJ for a missed mortgage payment is far more serious but it is by no means the end of the World.

The reason for the above two scenario's could be a one off problem that is unlikely to happen again, caused by redundancy, going through a divorce or simply lost temporary control of your finances.  This does not mean that you are going to default again.

With this information in mind, your application will be treated with understanding and care.