Fair Credit

Fair credit makes emergency cash loan an option!

Many people in the UK are “just about managing” financially. This term was first used by the government back in 2016 to describe people who normally just about manage to get by financially, but don’t have any disposable income to fall back on. 

Since then of course, the financial impact of the Covid-19 pandemic has pushed increasing numbers of us into the position of just about managing. We are doing all we can to keep afloat, but if an unexpected bill arrives we need help. Whether it’s to pay for urgent home or car repairs, medical or dental treatment, vets’ bills or to help out a family member in need – there just isn’t the money there to do it.

If you are facing this situation you may be considering trying to get an emergency cash loan but are worried your application will be turned down, especially if you only have a fair credit rating at the moment.

But Loans 2 Go may be able to help.

Can I get a Loans 2 Go loan with only a fair credit rating?

The short answer to this question is yes. 

Loans 2 Go is a responsible lender. So as part of our loan application procedure we will do some simple credit and affordability checks. This is to make sure that if we do lend money to you, you will be able to afford the repayments. It would not be in either of our interests if this is not the case. 

But we will consider lending to you even if your credit score is less than perfect and you only have fair credit. We treat each loan application on its own merit, and are more interested in your present financial circumstances than whatever may have happened in the past. Our main concern is whether or not you are now able to afford the loan repayments.

We also need to make sure you are:

• At least 21 years old;
• Currently in employment and with a regular income;
• Resident in the UK, whether a homeowner, tenant or living with your parents;
• A UK bank account and debit card holder .

So how do I apply for a Loans 2 Go emergency cash loan?

Many people are put off applying for a loan because they think it will take a long time and involve a lot of paperwork; and perhaps an embarrassing interview. Especially if they only have a fair credit rating.

But applying for a Loans 2 Go is not like that at all!

We are a direct lender which means that you only deal with us. No other party is involved. So we make our loan application process as simple and straightforward as possible. Everything is done online at a time that is convenient for you.

All you need to do to apply for a loan with us is:

1. Click Apply Now and use the buttons to select the amount you want to borrow. Loans 2 Go offer loans between £250 and £2000, repayable over 18/24 months.
2. Complete the online application form and submit it to us.
3. We will then send you an instant lending decision and, if approved, will aim to get the money into your account the same day*.

If you prefer to discuss your application in more detail, you can either call us on 0330 400 6000 or email us at [email protected]. 

We look forward to hearing from you and hope that a Loans 2 Go loan might be the solution to your current financial situation.