No Guarantor Loans

If you have been declined finance in the past or know you suffer from an adverse credit rating then one option is a guarantor loan, but there there are other options available. You may have looked at guarantor loans, but could not find a suitable person or perhaps you were offered a guarantor loan but the amount was too low. First Choice Finance are a leading finance broker with 25 years experience who can help you find finance from our range of secured loans as well as giving you access to a selection of personal loans developed to help people with bad credit find finance. In some instances we are able to find people no guarantor loans, for more information please feel free to call and speak to one of our in house finance team who are available to discuss your needs and requirements, dial 0800 298 3000 or 0333 003 1505 alternatively complete our short form on line enquiry form to get the ball rolling.

Secured Loans With Bad Credit

First Choice Finance are a leading UK finance broker who give you access to homeowner loan plans tailored for people with a less than perfect credit profile, so if you have CCJ`s, mortgage arrears, overdue bills or missed payments on existing finance, we could still help with a secured loan. Enquire online and receive a no obligation free quote.

Bad Credit Personal Loans

Over the last few years many people have found it incredibly difficult getting accepted for a personal loan from the banks, here at First Choice Finance we have recognised this and have managed to help many people find unsecured loans through a selection of lenders who offer personal loans for people with an adverse credit rating. For both bad credit secured loans and adverse credit personal loans please call us free phone and speak to one of our loan finance experts who can answer questions you may have an help you decide the best approach for you, alternatively please complete our short online enquiry form, for one of our expert underwriter to starth there search for the best loan options.

Guarantor Loans vs No Guarantor loans

In some circumstances additional finance is unavailable, although we will do our best to find you a no guarantor loan through our lenders or associate companies, we are on some occasions unable to. We do have access to guarantor loan lenders and first and second charge mortgage lenders. We will try to look at different options to help you. All quotes are free and you will be kept informed throughout, you will be under no obligation to proceed with any finance offers made through our lenders.

Debt Consolidation Loans Bad Credit

A common reason for rejection is issues with existing credit / debts - especially if you have late or missed payments, here at First Choice Finance we can help you consolidate all your existing debt as well as sometimes allowing you borrow an additional amount. It is important that you borrow within your means and we can help you structure your monthly payments by choosing the best loan term for your circumstances, by entering the length of the loan you will reduce your monthly outgoing but increase the total amount payable, visit our loan repayment calculator or call one of our loan underwriter who will be happy to give you a free quote and answer any questions you may have

Homeowner Secured Loans 9.8% APRC. Representative example: Borrow £50,000 over 180 months. 60 months at 8.1%, £497.83 pcm fixed at 60% LTV. Then 120 months at 10.1%, £539.89 pcm variable. Total payable £94,656.60. Total cost of credit £44,656.60 (including: £795 lender fee, £985 broker fee & £42,876.60 interest). First Choice are tied to certain loan providers.

Mortgages & Remortgages 8.4% APRC. Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)

Unsecured Personal Loans REPRESENTATIVE 49.9% APR (VARIABLE) First Choice are tied to certain unsecured lenders.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Security is required on immovable property.

Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.