David Allan

Loans for people who have been refused credit


If you have recently been refused for credit or a loan then we may be able to help. We know how frustrating it can be when you have gone to the trouble to make an application then only to be refused the loan you were hoping to get.

Lending Expert are independent loan brokers, this means we have access to a huge range of different lenders within the loans market. This enables us to go to any lender we wish to find you a suitable loan. If you have been refused a loan due to a low credit score, a bad credit history or CCJ’s, bankrupcy then we may find a solution with another more suitable lender.

We have a panel of approved lenders who lend money to those who have been refused a loan or credit elsewhere. After taking some initial application details we can then match your requirements to a suitable lender who we feel confident will accept your loan application.

If you are unsure of your options or if you have questions then please call us and we’ll be happy to explain everything and answer any questions you may have.

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Further information

secured loans

We can provide loans for both the short and long term loans – from 3 – 25 years. Our brokers are able to provide you with quotes over different terms and can quickly compare all the loans on offer side-by-side. This means at a glance we can see which lenders are offering the best deals that meet your needs. Loans are available from £5,000 all the way to £500,000 plus.

We can provide loans for all types of reasons. Loans to consolidate existing debts, loans to make improvements to your home and loans for people who wish to use the money to buy a new car, pay for a wedding or any other type of expense.

We can provide loans for self employed people, those on benefits or those who are pensioners. We can also help those who struggle to prove their income or who are not in full time employment and have a regular income or salary.

Why have you been refused credit?

If you have been refused credit then the most likely cause is that you fall below the lenders criteria for the loan. This may be that your credit file shows a low score, missed payments or even CCJ’s – county court judgements from previous loans and credit. If may be deemed as to “high risk” for the lender who you applied to as some lenders will not lend to those who have a poor or adverse credit score.

It may also be that you have been unable to provide adequate documentation as part of the process or you are deemed not to be able to afford the repayments based upon your income and expenses.

Secured loans for people who are self employed

Pre qualification and credit check

When you apply for a loan with us we will request your permission to perform a credit check. This will enable our brokers to understand your credit score and apply to suitable lenders who are appropriate to your credit status. This gives us a high rate of success when it comes to ensuring your application for a loan is accepted. We also go through loan affordability to ensure that you are able to comfortably meet the loan repayments and qualify to meet the lenders criteria.

We only ever apply to lenders who we are confident will accept your loan application. We will tell you if we feel you are not suitable for the loan you require and will be able to advise you on any alternative borrowing options or lenders. Our advice and quotes are free and we only charge a fee upon the successful completion of your loan.

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