Loans Direct Lenders Bad Credit are available to apply for here online. Read on to find out more about getting direct lender loans with all credit types.

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There are so many different factors that come into play when it’s time to apply for loans with all credit types that most people feel overwhelmed halfway through the application process and decide not to move any further.

Hopefully that hasn’t happened to you.

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Representative 277.5% APR - Representative Example: Amount of credit: £750 for 12 months at £119.21 per month. Total repayment of £1430.52. Interest: £680.52. Interest rate: 140% pa (fixed). 277.5% APR Representative.

But even if it happens, you’re going to be able to streamline the process of applying for loans with direct lenders (even if you have all credit types) and simplifying things significantly if you better understand the “Four C’s of Credit” before you dive right in.

Loans Direct Lenders Bad Credit

Loans Direct Lenders Bad Credit

The Four C’s of Credit:


Your character is (at least as far as direct lenders are concerned) going to be a major factor in whether or not you can be trusted with a loan, especially if you have less than picture-perfect credit.

There are a lot of different ways that lenders are going to try and measure your character and some of them might want to interview you personally over the phone to get a feel for who you are, what you bring to the table and whether or not you’re going to be able to be trusted.


Your capacity is going to have everything to do with the amount of debt that you’ll be able to take with loans direct lenders all credit types as well as your ability to repay that debt back in a timely manner.

Too terribly many people with all credit types try to reach a lot further than they should when it’s time to apply for loans, asking for amounts that would far outstrip their capacity to repay and shooting themselves in the foot in the process.

Make sure that you aren’t making that same mistake.

Credit History

Your credit history is obviously going to have a tremendous impact on whether or not you’re able to get loans direct lenders all credit types.

Luckily, your credit history in the last two years is a lot more important than your lifetime credit history.

If you’ve been able to clean things up a bit and show your direct lenders that you have, they’re going to be much more likely to give you the kind of money that you are looking for.


The collateral that you’re able to bring to the table to better help you secure your loan is going to be a big boost when it’s time to work with direct lenders.

You aren’t going to come across too many direct lenders out there that are willing to offer unsecured loans to people with all credit types, so the more collateral you’re able to scrape together, the better off you’re going to be.