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

How Much Cash Do You Want?

Borrowing £18,000
Interest £700
Total To Repay £18,700

Immediate Cash Assistance

What We Provide
Is your credit line not good enough to qualify for a loan from the bank? Do you need cash assistance without complicated paperwork and fast? Great news! We have options that would greatly work for you!
  • Online decision
  • Responsible lenders
  • Apply to borrow up to £3000*
  • Rates From 278% APR – 1576% APR*
  • 3-12 month repayment

What Are Unsecured Loans?

This type of loan is granted based on the borrower's creditworthiness. An unsecured loan requires no asset to pledge as a collateral. Generally, borrowers with high credit score are eligible to apply to a certain unsecured loan. However, there are plenty of unsecured loans that allows borrowers with poor credit to be eligible. One of which is a payday loan.

How Do The Application Work?

Convenient and Secured

The application process goes online. It is easy and simple. All you need to do is to provide your information on an online form. Complete the form and send it back. No worries, your information is processed through a secure channel to ensure that your data is not compromised.

Lightning Fast

You don’t have to wait hours to be approved for the loan. In just a matter of minutes, you can get the results of your application and get the funds you need. No more waiting long lines or beating traffic. Just sit back, relax, and see the funds go straight to your back. No fuss, no hassle.

No Credit Checks

There’s no need for you to worry about your credit line. As long as you’re good on paying back what you owe, our lenders can’t say no. Our trusted and responsible lenders do not do credit checks. Just make sure to pay on time to prevent any additional charges and fees.

If you have several credit card debts with repayments that you’re finding it harder to keep up, you always have the choice to make things easier, more manageable for you. You have the choice to roll all of your existing debts into a single one. This means paying only one repayment every month, along with a single interest rate.

Applying for Loans To Pay Off Your Credit Card

Taking out a loan is often the most common way to achieve this. You first calculate how much you need to cover all your existing debts. Once the loan gets approved, you use it to pay off the debt. The beauty of debt consolidations loans is that they allow you to combine all your credit card debts into a single, more manageable one. It gets rid of every single interest rate charged on every one of your debts too and replaces it with only one interest rate for the new loan.

A personal loan is often a very popular option that people who wish to consolidate their loans go for. It can be difficult to qualify for one especially if you need a really huge amount. If your credit score is bad, which it could possibly be if you have several debts under your name, then qualifying for one would be truly tough. You may be able to improve your chances though if you will offer some form of collateral.

What To Do If You Have Bad Credit

Lenders will usually be more forgiving of bad credit borrowers when they can present something to secure a loan. If you’re a homeowner or you have a property, you can use this asset as loan collateral. This will help improve your creditworthiness to the lenders’ eyes. You can also use a car to secure the loan. Just be a little cautious though when applying for secured personal loans. You can possibly lose the collateral if you’re unable to pay back. So, see to it first that you can really afford the repayments before pushing through with your plans for consolidating your credit card debts.

Being a housewife is a hard and exhausting job – taking care of your family, making sure that their needs are fulfilled, doing all the chores by yourself and more. But that’s not where it ends, on top of doing all that there are still bills that you need to worry about plus tuitions fees of your kids and other expenses in the house. Although your partner might be bringing in income, sometimes it may seem like it’s not enough.

So what can you do?

Well, you borrow money. Your first option in where you’ll borrow would likely be your friends and family, but like any other person – they have their needs as well and might not guarantee you a loan. You can try and sell something of value, and getting a payday loan is too risky. Why not approach a traditional lender? With the competitive market nowadays, I’m sure there are loan geared towards housewives.

Banks likely won’t provide you with a loan, but a private lender will.

Why a private lender over banks?

  • They are less strict on the requirements compared to a traditional bank. All that a private lender would need from you is a government issued ID, proof of income – be it bi-weekly or monthly.

  • When talking about loan terms, private lenders are more likely to listen to your concerns and offer you solutions that may benefit both parties.

  • Some private lenders don’t focus much on your credit score, but are more focused on your income. But nevertheless, it’s best to have a decent credit score to let lenders know you are responsible with your debts.

  • Private lenders are everywhere. You can easily find an online private lender by a quick search. Applying for a loan and getting approved without leaving your home is a huge plus for housewives whose time and resources are valuable.

Things to take note of when borrowing money.

  • Prepare two government issued ID.

  • Shop around for better rates and terms. It’s never a good thing to rush your application. Finding the right lender can be very important. Compare rates, terms, and see if they are charging fees.

  • A borrower must know this from the start, but not everyone does it. It’s your obligation to repay what you borrowed, but if you fail to do so, it’s best to contact your lender and let them know that you’re having a hard time coming up with your payments. That is where finding a good lender comes in. A good lender will help you come up with a plan so you can manage your loans and debts properly if you’re having a hard time.

  • Have all the documentations ready before even applying for a loan. This way, you’ll speed up the process.

  • Borrow within your means. Do not take out a loan amount that you’ll have problems repaying down the road. That will cause even more problems.

Yes, you can take out a loan while being a housewife provided that you can provide the proper documentation and meet the lenders requirements – most important being having a steady flow of income.