Cash Loans For People on Benefits

Cash loans for people on benefits are easier to get than most people may think. Just because you’re unemployed doesn’t mean that you’re unable to obtain a cash loan. Regardless of what benefit you are getting you are still classed as having a regular income.

As long as you have some form of regular income from any kind of benefits then you are still able to obtain a cash loan. Cash loans for unemployed people are seen as a high risk and for that reason many of the High Street banks will refuse to lend money to you. But there are lenders who can help you.

Doorstep Loans For People on Benefits

Doorstep loans for people on benefits offer fast cash loans which can help you out of a sticky situation by putting the cash in your hands very quickly. A doorstep lender offers convenience as they will visit you in your home to sort out your application and issue the cash loan there and then. They also call at your home to collect the repayments so you don’t have to worry about direct debits or missing payments.

Credit For People on Benefits

It’s true that credit for people on benefits is more difficult to obtain as finance companies tend to them as a higher risk but the truth is they are generally no more of a risk than someone who is in full or part time employment. Loans for unemployed people on benefits do have a much higher interest rate compared to loans from High Street banks due to this perceived higher risk.

The loans that are available from doorstep lenders tend to be for small amounts such as £80 or £100 and it is common to be offered this amount as your first loan. The good news is that when you have repaid that loan, an as long as you have kept the repayments up to date, then the lender will be able to offer you a loan for a larger amount next time. You could quite easily get a loan of £150 to £250.  It is very important to make sure that you are able to afford the repayments before taking out any kind of loan and to keep up with the repayments as well.

Not many people know that there are bank accounts for discharged bankrupts which can be opened online and that do NOT require a credit check.

In fact, these bank accounts can be opened regardless of your credit rating and current credit status. So even if you are currently bankrupt, a discharged bankrupt, have CCJ’s or defaults, you can open a bank account today, online, and without the need for any credit checks.

Click Here to find out more

Click Here to apply for a payday loan directly from the actual payday loan lender. Get approved within 60 seconds and have the money in your account within a couple of hours at no extra costs to you.

There are many payday loan lenders in the UK but most of these are just loan brokers rather than actual direct lenders.

So, what does this mean for you and I?

Well, if you use a payday loan broker you are giving your personal details to a company who will then contact a number of actual payday lenders for you. While this may sound like a good idea it does have its drawbacks too.

A loan broker can supply your details to as many payday loan lenders that it wants which means all of those lenders can then contact you by phone, text and email. You could end up receiving lots of calls, text messages and emails all offering you a loan.

Why would a loan broker supply your details to so many payday loan lenders?

Answer: Money

Plain and simple. Each time a broker gives your details to a genuine payday loan lender that lender will pay the broker a fee. Therefore, to make money the broker will sell your details to as many genuine lenders as possible. The broker does not care that you may end up being bombarded with sales calls for loans, all they care about is making some money by selling your details.

But it’s not just payday loan lenders that the broker sells your details to. The broker wants to squeeze every penny it can get out of selling your details which is why the broker won’t stop at just selling your details to loan companies. A loan broker knows that if you’re looking for a payday loan then there is a good chance that you have some form of bad credit or maybe you’re in financial difficulty.  Knowing this they they sell on your details to other companies who offer:

• Bad credit car finance
• Bad credit loans
• Debt consolidation
• Bad credit credit cards
• Bad credit mortgages

Each time the broker sells your details to a company they are making more money for themselves while lining you up to receive a large amount of calls from companies all trying to get you to use their services.

But you can avoid all of this hassle and headache…..

Payday Loans from Direct Lenders Only

Instead of apply for a loan from a broker you should apply for payday loans from direct lenders only. When you do this you are giving your details to one company and one company only. They will NOT sell or pass on your details to any other company which means you will avoid being bombarded with sales calls, text messages and emails from companies, that you have never heard of, offering you services that you’re not even interested in.

When it comes to genuine payday loan lenders you have to remember that they all basically offer the same service at the same rates. All payday loans have a very high interest rate and all of the lenders offer to pay the money directly in to your bank the same day.  All payday loans can be applied for online and there is no need to fax any documents. All of these things are now common place with all direct payday lenders.

So why would you want to use a loan broker any more?

Because of all this you have to ask yourself why you would want to use a payday loan broker when you can apply directly to the actual payday loan lender instead. And when it comes to a direct payday loan lender in the UK there is only one which stands head and shoulders above the others. PaydayUK are the most reliable, genuine, honest and fairest UK payday loan companies.

Applying online takes 2 minutes and they can approve your loan within 60 seconds. They can also deposit the cash directly in to your bank account the same day at no extra costs to you.  In fact the cash is often deposited in to your account within a couple of hours thanks to their ‘faster payment service’.

Rebuild your credit rating with a payday loan

Every time you pay off a payday loan from PaydayUK this positive repayment is reported to a credit reference agency. This will help rebuild your credit rating which will help you to be approved for other financial services in the future.

Click Here to apply for a payday loan directly from the actual payday loan lender. Get approved within 60 seconds and have the money in your account within a couple of hours at no extra costs to you.

Catalogues For People With Bad Credit

Home shopping catalogues for people with bad credit are few and far between. Many of the big name catalogues will turn you down for a credit account with them if you have a less than perfect credit rating.

There are a small number of catalogues for people with bad credit though. Although they do not actively advertise the fact that they accept people with bad credit they do have a higher acceptance rate.

If you have been looking for catalogues with no credit check then you will have a hard time finding one as all home shopping catalogues do carry out a credit check.

What makes the difference is that some ‘buy now pay later catalogues’ will accept you if you have a low credit score while other catalogues will only accept you if you have a high credit score (a good credit history).

So stop searching for ‘catalogues with no credit checks’ as you’re just wasting your time. You will have to go through some form of credit check when applying for a home shopping catalogue it’s just a case of know which knowing which on is more likely to  accept you if you have a bad credit rating.

The 24 Studio UK Home Shopping Catalogue

When it comes to home shopping catalogues for people with bad credit then then best one to apply to is the “24StudioUK” home shopping catalogue.


The Studio home shopping catalogue does accept people with a less than perfect credit rating and you will start off with a low credit limit of approximately £100 – £150.

I know from personal experience that if you make the minimum payment on your account each month your credit limit is increased by £50 each time. So, if you maintain your account by making the minimum payment each month, after just 6 months you will have a credit limit of at least £400.

Each month, as long as you make the minimum payment on time you will see your credit limit rise by £50. Now, if you think about this and use it carefully without running up our credit limit to its max, after you had the account for 12 months your credit limit will be at least £700.

This is a very handy thing to have at Christmas time and as the 24StudioUK home shopping catalogue stocks items that make ideal Christmas presents then it will make your life much easier when Christmas time arrives.

Why you should use Payday Lenders instead of Payday Brokers

Click Here for Genuine Payday Lenders – NOT Brokers and get an instant cash loan of up to £750 without a credit check.

There are many reasons why you should use genuine Payday Lenders and not brokers.

A genuine Payday lender is the actual company from who you will be borrowing the money so it makes sense to deal directly with the lender instead of a broker.

Payday loan brokers are ‘middle men’ who stand between you and the actual lender. It is their job to find people, like you, who need a short term cash loan, and then direct you to the actual Payday lender.

For this the broker is paid a fee from the lender when you complete the actual Payday loan or the broker sells your details to the Payday lender.

The broker promotes payday loans via their own website. They will often have a short application form that asks you for your name, date of birth and contact details, as well as how much you wish to borrow.

When you submit that form all of the details are received by the broker who will then contact a number of genuine payday lenders and either sell them your details or offer them on a commission basis. It is important to point out that you have no control which genuine payday lenders the broker will share or offer your details to. This is one of the reasons why it is better for you to apply for a payday loan directly with a genuine payday lender.

The broker may offer your details to a number of real payday loan lenders who are then able to contact you directly via email, via text messages or phone calls. This could become very annoying as they all want your business. You can easily avoid this hassle simply by applying for a Payday loan with a genuine payday lender.

It has to be said that all real payday loan lenders offer the same service and pretty much the same interest/APR rates. They all offer:

• Online Applications
• Instant Decisions
• Money paid directly to your bank account
• Same day cash payment
• No Credit Checks

At this point it is easy to see why you are much better off applying directly to the genuine payday loan lenders and not brokers.

So, where are and who are these real payday lenders?

There are a number of them in the UK and it comes to down to reputation when deciding which one to use. You need to use a payday lender that is trusted, has an excellent reputation, offers competitive interest rates and ticks all of the boxes mentioned above.

For this reason the only real payday loan lender that we’d feel comfortable recommending is Payday UK.

Payday UK are simply one of the most trusted and reputable payday loan companies in the UK with instant loans from £80 to £750.  Their customer support team, who are based in the UK, can be contacted via their website or via their dedicated customer support telephone number.

Payday UK are one of the few payday loan companies which help to rebuild your credit history. By having a loan with Payday UK and repaying the loan on time you will actually rebuild your credit report as they update your credit report with the details of your loan and the repayment.

As you gradually improve your credit rating, you will find that you may be able to borrow larger amounts and apply for other financial products that you may have been refused for in the past.

Visit the Payday UK website by clicking here and apply for a payday loan directly.

What Are Catalogues For Bad Credit Rating ?

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Catalogues For Bad Credit Rating are for anyone who have a less than perfect credit rating due to financial problems in the past.

Home shopping catalogues enable you to buy products and products and then pay for them on a monthly basis. This means that you can purchase the items you need today and pay money for them over a number of months in installments. This is what’s called creating a credit account and due to this almost all home shopping catalogue companies will certainly perform a credit assessment. This does not mean yo are going to be declined should you have a bad credit history.

If you have a low credit rating it is possible to approved for an account however your borrowing limit may at first be set to a lower amount. When you demonstrate that you can actually make the repayments on your account then the home shopping company will certainly raise your current credit limit as time passes. This actually also assists with boosting your credit score and credit rating on the whole.

Catalogues For Bad Credit Rating – Apply For An Account

When it comes to home shopping catalogues for people with bad credit then then best one to apply to is the “24StudioUK” home shopping catalogue.

The 24 Studio UK Home Shopping Catalogue

The Studio home shopping catalogue will accept you for a credit account if you have less than perfect credit rating. They will usually start you off with a low credit limit of approximately £150.

From personal experience I know that if you make the minimum payment on your account each month your credit limit will be increased by £50 each time. So, if you maintain your account by making the minimum payment each month, after just 6 months you will have a credit limit of at least £400.

Make sure that you use your account carefully without running up your credit limit to its limit, after you’ve had the 24 Studio Home Shopping account for 12 months your credit limit will be at least £700.

This is a very handy thing to have at Christmas time and as the 24StudioUK home shopping catalogue stocks items that make ideal Christmas presents then it will make your life much easier when Christmas time arrives.

Defaults are issued by a creditor to whom you owe money to and have missed a certain number of payments under your credit agreement. A default isn’t actually that easy to get and can easily be avoided. A creditor doesn’t really want to issue them and would much rather keep you as a customer. However, sometimes, a credit is not left with any other choice.

The steps to getting a default is by missing payments under any form of credit agreement. The number of payments that you have to miss before you getting a default issued against you is not set in stone. Theoretically, the first time that you miss a payment you have defaulted of that credit agreement but all creditors know that everyone misses a payment every now and again. Even if you miss two or three payments is it unusual for a creditor to issue a default against you.

However, if you ignore the creditor when they contact you by letter or by phone and continue to miss payments then you can expect them to issue you with a default notice. Once the notice has been issued it is then recorded on your credit file which will then be seen by your other creditors as well as any other company who searches your credit file.

Defaults are VERY serious and will remain on your credit file for six years. Even if you repay the full amount owed to the creditor it will remain on your credit file for the full six years. It is for this reason that a default should be avoided at all costs.

Having defaults on your credit file has a very negative impact on your credit rating and you’ll find it much more difficult to obtain finance, loans, credit cards, mobile phone contracts etc. But you can avoid getting to this stage simply by speaking with your creditor at the earliest stages when you find yourself struggling to keep up with the repayments on your credit agreement. Your creditor wants to work with you and will help you if you talk to them. They would rather have you as a customer than a bad debtor.

If you already have defaults on your credit file then one of the most positive steps that you can take is to add good credit to your credit file. This is as simple as making sure you keep up with all of your other financial commitments and repayments on time each month.

It is still possible for you to get accepted for a credit card or loans when you do have bad credit as well. There are credit cards for bad credit and loans for bad credit too. These products are much easier to get accepted for as they are specifically designed for people who have bad credit.

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A CCJ (County Court Judgement) is issued by a County Court in the UK when a creditor sues a debtor for money that is owed to them, usually under a credit agreement.

What this means in plain English is that if you do not keep up with repayments on any form of credit agreement, this includes loans (secured and unsecured), Hire Purchase Agreements, Credit Card Agreements, Mobile Phone Contracts, the last step that a creditor will take against you is suing you for the full amount owed.

A CCJ is the very last stage in a long process of events that a creditor can take to recover monies owed by you. However, because it is a last option it is usually the most serious action.

If you have a CCJ registered against you on your credit file it will become VERY difficult for you to obtain credit and finance in the future. Because of this it is in YOUR best interest to make sure that you avoid a CCJ being issued against you. However, CCJ’s are very common and there are many people in the UK who have a CCJ registered against them.


Once you have a CCJ your options of obtaining credit and finance become limited. For example, if you wanted to apply for a credit card and you have a CCJ on your credit file then you would need to look at credit cards for bad credit. It is similar if you were looking for loans for bad credit as well. There are options available to you if you do have CCJ’s on your credit file but it is best to avoid them at all costs.

How To Open A Basic Bank Account with No Credit Check
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You should NOT be refused a bank account just because of your credit rating, regardless how bad it is, or has been, but many banks will refuse to open a bank account for you if you have CCJ’s, Defaults, have an IVA or are currently Bankrupt.

To be honest, this doesn’t seem fair does it ?

A Basic Bank Account That Has 100% Guaranteed Acceptance

We all know that managing money isn’t as easy and that we all make mistakes from time to time – often we are unable to avoid making these mistakes yet we’re still punished, for many years, when it comes to passing a credit check. And this is what stops many people from being able to open a bank account.

But you don’t have to worry about credit checks and being turned down any more because there is a basic bank account that offers 100% guaranteed acceptance regardless of your credit rating and status.

And The Basic Bank Account is Opened Instantly Online

There are no credit checks to worry about and everything is done online. The bank account is opened instantly an you’ll get your account number and sort code right away.

When you open the account you will automatically be issued with prepaid Mastercard card that has a chip n pin function. This card can be used to withdraw your money via any cash machine here in the UK as well as abroad.

Managing your account is also made easy with a team of account managers who are on hand to offer advice via the telephone. An account manager can give you sound advice on any part of your banking account and if you have bills that require paying they can also set up the standing order and regular payments from your account.

You can also access your account 24 hours a day with our online banking facility. You can log on to your account and check your balance, recent transactions, view your statements, move money from your account to your Mastercard card, set up standing orders, make payments and pay bills.

You can check your account via SMS using your mobile phone thanks to our mobile phone banking option – and we also offer regular telephone banking too.

• It does not matter if you currently have CCJ’s, Defaults, have a current IVA or are currently Bankrupt
• Guaranteed Acceptance within seconds of applying
• There are NO credit checks involved and you can apply online right now
• You’ll have your sort code and bank account number within a matter of minutes
• Your brand new bank account will be set up instantly

Click Here to open a new bank account online with no credit checks

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The Bad Credit Bank Account problem:

It is a fact that 1 in 3 people in the UK have some form of negative information stored on their credit file and this ratio is likely to rise due to the current economic downturn. It is no wonder then that more and more people are finding it hard to open a UK bank account.

Banks use your credit rating as a way of measuring how trustworthy you are with credit because the bank knows it is easy for a customer to go overdrawn if they have a visa debit card that is linked to their current account.

A fear that the bank has is that if a customer did go over drawn on their bank account they may then not be able to repay the money and default on the account. Banks do not like customers who default on accounts which is why they are careful when it comes to issuing debit cards to current account holders.

If you have a poor credit rating then it is most likely that you bank will not issue you with a debit card with your current account. The bank may even refuse to open a bank account at all. And this is becoming an increasingly common problem for more and more people in the UK who have a bad credit and are looking to open a bank account that offers a debit card.

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The Bad Credit Bank Account Solution:

Yes, there is a solution to this problem and it’s a rather simple solution. There are now financial institutions that are happy to offer you a guaranteed bank account, regardless of your credit status AND the current account includes a Debit Card as well.

It doesn’t matter how bad your credit rating is right now because you are guaranteed to be accepted for this current account that offers all of the usual banking facilities that your high street bank can offer. It doesn’t matter if you have CCJ’s, Defaults, an IVA or are currently Bankrupt – you will still be able to open this current account which includes a debit card as standard.

Maybe the most appealing thing about these bad credit bank accounts is that they can be opened instantly online and you’ll receive your sort code and bank account number within a few minutes.