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What are the benefits of adverse loans?

There are many benefits to adverse credit loans if you are looking for money easily and quickly. This is because they have been designed to help people with poor credit scores still get fair and competitive access to short-term and long-term loans when they are required.

Sometimes referred to as adverse loans, these loans have been specifically created to help people who would otherwise likely struggle to be approved for loans quickly. As such, if you are worried about your credit score preventing you from being approved, you are still able to look and see what may be offered to you. This can be made even more encouraging thanks to our Eligibility Checking feature that enables you to also see if a lender is likely to approve your application before you apply. Not only does this have very valuable benefits in terms of protecting and growing your credit score, but it may also put to bed very quickly any fears you may have had about your score not being good enough.

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How small can adverse loans be?

Loans now come in a variety of shapes and sizes, one being adverse small loans. These loans enable people with bad credit ratings to borrow small amounts of money, often being repaid over a relatively small number of months. As these short-term loans are designed to only provide small amounts of cash, lenders will often offer loans ranging from just £100 to under £2,500.

These loans are therefore great for sudden emergencies, such as an urgent car repair. Therefore, an adverse credit loan can be a great solution to an unexpected problem. What’s more, because these loans can be taken out for small amounts, you can repay them quickly. This means you will not be tied down to a long-term loan if you do not want to be.

Of course, if you require an adverse loan for a larger amount, we can also help you. Whilst these may require a longer repayment period, with most lenders trying to be as flexible as possible, you stand a great chance of getting a loan that matches your requirements.

Do all money lenders offer adverse loans?

No, not all direct lenders offer adverse loans. In particular, more traditional-style money lenders, such as banks and building societies, still shy away from offering loans to people with bad credit. However, as a credit broker aiming to help people with poor credit ratings get fair access to loans, we have created a panel featuring many lenders that provide loans to people with bad credit.

What’s more, because such short-term loans are now becoming much more common, we have a range of more than 50 lenders featured in our database. In addition, because all these lenders are fully authorised and regulated by The Financial Conduct Authority, the loans being offered to you are constantly monitored to ensure that they fall within the regulations.

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