Several factors influence the interest rate you can secure, including your credit score, financial history, loan amount, and market conditions. Rapid Finance has a large lending panel with specialist lenders who consider various situations, including bad credit, to find the most suitable loan rate for you. If there are issues on your credit file, either preventing you from getting approved or limiting your loan options, we can work with you to help clean up your credit file and improve your credit score, so that better loan options are available to you.