Whilst having a good or excellent credit rating provides you with more options, it isn’t a necessity when applying for fast loans. We take a human approach to lending, so if you have a poor credit history, we may still be able to help you today. You will need to ensure the repayments and loan is affordable for you, and we’ll perform credit and affordability checks to determine this. Even if you have been declined recently or have a history of arrears, CCJs or defaults, we could still approve a loan. If you can demonstrate your financial difficulties are in the past and your current finances can afford the loan you need, we can look to help with affordable options.