There’s no getting away from it, your loan options will be limited when your credit rating is very poor. Loans for people with bad credit (like payday loans) often come with very high interest rates, additional fees and charges, and rigid repayment terms. This means what you borrow can end up being very expensive and create a cycle of debt if you find you can’t repay the loan on time. Even if you don’t yet qualify for a Creditspring loan right now, we can still help you until you do become eligible. Simply sign up as a free member to access our members-only space packed with smart credit-boosting tips, exclusive partner offers and personalised scores. You’ll find our clever Benefits Finder tool here too, which could help you unlock benefits, grants and discounts worth £850!