Who we help
Accepted with bad credit
CCJs, defaults, thin files, past refusals — here's why none of them are an automatic no here.
Affordability first
Instead of a fixed credit-score cut-off, the check looks at whether the payments fit your budget now.
CCJs and defaults
They stay on a file for six years, but what matters here is how things look today: steady income and a payment you can manage.
Benefits and pension income
Regular income counts, whatever its source, as long as the repayments are comfortable.
Been refused elsewhere?
A refusal from a score-based catalogue says nothing about an affordability-based plan. Space out applications and apply once, here.
Ready when you are