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So you cant get a loan?,It still can be incredibly tough to get a loan from banks and established loans companies.,Cheap loans are especially hard to find which is ironic given how low the Bank of England base rate is at the moment.,So what do you do if youre refused a loan? Dont despair we have some alternatives for you to explore.,Remember, when getting a loan you should explore all the options.,The company itself makes money by charging lenders and borrowers a fee. Borrowers pay a variable transaction fee of up to £420 per loan, while lenders pay a small annual service fee.,However, despite their credit-checking system, they have a more sensible approach than some banks (who judge you not just in terms of your credit reliability, but also your potential in making them money).



Zopa is only interested in your reliability, and takes into account a variety of factors (including your credit history, existing loans, current cost of living, affordability of the loan, and so on).,As well as savings and loans, many credit unions also offer current accounts (allowing members to manage their money through services such as ATM machines and Direct Debit). You need to be an established member of a credit union before you can get a loan from them.,The three main aims of a credit union are: to encourage its members to save regularly, to provide loans to members at very low rates of interest, and to provide assistance to members in need of financial help and advice.,Many credit unions charge you 1% a month on the reducing balance of the loan (an APR of 12.7%).
Some charge less, others more (though by law they cant charge more than 2% a month an APR of 26.8%). The size of the maximum loan also varies from union to union.,Find out what sort of loans and interest rates are available from your local credit union by contacting them via the credit union search tool.


Most credit unions tend to be flexible over the frequency of your repayments, offering you the opportunity to pay back your loan on a weekly, fortnightly or monthly basis.,You can work out a rough estimate of how much a typical 1% credit union loan will cost you by using a loan calculator.,There are no hidden charges with credit union loans and no penalties for repaying the loan early.
Life insurance is also built in at no extra cost so if you were to die before repaying the loan, insurance would cover the cost for you.,Pawnbrokers offer short term loans guaranteed by personal possessions and are one of the very few ways of securing a loan without enduring a credit check. You can pawn many items such as jewellery, antiques, watches or even cars.,Pawnbroking is a relatively old fashioned way of borrowing money, the slogan ‘Lend yourself money’ is often used. This means you hand over a watch or a gold ring to the pawnbrokers and they lend you usually half the agreed value of the goods.

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The item can then be purchased back from the pawnbrokers for the amount of the loan plus an agreed amount of interest. The value of the goods is determined by the pawnbroker, so take care in choosing an item to pawn, sentimental value doesn’t count and it is possible that you’ll lose it!,Take time to understand the full terms of the loan before accepting an offer.
Many include a maximum six month repayment period, whereby items not collected are deemed to belong to the pawnbroker. The amount of time and interest the loan carries is governed by the pawnbroker. If the loan is not repaid or extended the pawned item will then be offered for sale.,They will provide short and quick loans on all items of value with the exception of electricals including, jewellery, watches, diamonds, gold, art and antiques and luxury cars (with a value of around £50,000).,The problem with payday loans is that the full amount is repaid all in one go, placing you in a similar position the following month. This type of loan is more likely put you further into debt and should be used only as a last resort or emergency.,Ideally, if you can avoid taking out a loan, do.


After all, why pay interest if you can avoid it?,Have you taken a loan without using a bank?
Share your experiences in the comments section below.,I am refused everywhere for a loan. Could anyone let me know what are the other ways of getting loans please? I am in need of cash urgently. I am working full time but I need some additional money.,hi, i am looking for a loan for my wedding .. can someone help ?,Hi Darltito i really need a loan , how can I apply with your lenders?,Hey Tobias, if youre still looking for a loan let me know.



I am currently working with lenders that have more relaxed criteria,hi, i am looking for a loan for my wedding .. can someone help ?,I had no idea that pawnbrokers actually offer loans. The fact that you can get a loan from them without a credit check is pretty nice though.
I thought they were just there to sell old possessions to, but now that I know they can act as creditors of a sort, Im interested to see what else my local pawn shops can do.


Thanks for sharing!,Yes, certainly traditional pawnbrokers are there specifically to give short-term, high interest loans. They dont really need to be as high interest as they charge because they have the item you have given them to fall back on.
Its not the sort of place to go to for a big, long-term loan as the rates are too high, but for some people its handy for the quick cash that they know they can pay back later.,If you have bad credit score, you will face much difficulty in acquiring a conventional loan. The most common alternatives are payday or title loans.
These loans come at a higher interest rate than most loans but they are readily accessible for everyone.,i got a 3k loan from Zopa. no hassle, just needed to scan and email a bank statement and proof of address. so much eaiser than fro the bank, which probably would have turned me down, their loss! you can also increase the monthly payments at any time or pay it off in one hit.,Sign up to receive our weekly newsletter, full of money making and money saving ideas, plus exclusive deals.


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