Secured Loan Rates From 2.9% Our loan comparison service is delivered by brokers who will compare rates from over 18 lenders to find you the cheapest loans.

This service is powered by the secured loan experts at Lending Expert & Smart Money Loans. All credit types considered. Read customer reviews here.

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Simon Nicholson

Written by Simon Nicholson on October 4, 2019

Updated October 21, 2019

Secured Loans For Bad Credit

If you have credit issues and need a secured loan then there are many options available to you. Unlike many mainstream mortgage providers and banks, second charge lenders offer a more flexible approach for adverse credit customers. To learn how we can help and to get a quote please complete the form above.


Can I get a bad credit secured loan with no guarantor?

Yes. We have access to a wide range of adverse credit lenders that require no guarantor.

Do you have a bad credit secured loan calculator?

We suggest that if you know you have some bad credit issues then to request a quote above and a broker will calculate how much your loan will cost, the interest charges and repayment terms.

I have some previous issues with CCJ's can I get a loan?

Yes, we have lenders who accept past CCJ's, missed payments and defaults.

I'm currently unemployed can I get a secured loan?

Wwe have access to buy to let products that accept poor credit applicants who are unemployed or unable to prove their income via the normal routes.

Can I deal with a bad credit direct lender?

We only deal with direct lenders on our panel and many of these accept bad credit customers for a wide range of reasons and adverse credit types.

Can I consolidate my existing loans and credit?

Yes. Secured loans can be used for any legal purpose including debt consolidation purposes. These loans can be used to pay off debts such as bank loans, credit cards, store cards and overdrafts.

We compare the market so you dont have to

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

We are a credit broker and not a lender.