If, like many other people in the UK, you have experienced problems with repaying credit in the past, it is likely that you will find it difficult to find a personal loan on the high street because you may have missed payments on credit cards and other personal loans. This is where a type of secured loan sometimes known as a bad credit loan can come in handy.

And Searchandapply.co.uk can help. If you have missed payments, default balances, county court judgements (CCJs) or even mortgage arrears, we may be able to help you find the right bad credit loan for you, and get you back on track to repaying your debts.

Before applying for a bad credit loan, it may be useful to obtain a copy of your credit file from one of the main credit reference agencies such as Equifax. By doing so, you will clearly see your track record of making payments/paying off credit and by using this information in conjunction with our Typical APR Calculator you will be able to gauge what type of secured loan deals are available to you and the likely interest rates the bad credit loan lenders will charge.