Initially it is a good idea to determine what is causing you to have a low credit score in the first place. You can do this by applying for your Credit Report from a Credit Agency. Once you have found out this information you can begin to repair your credit history by paying off any outstanding debt or fixing any inaccuracies on the report.

APR stands for Annual Percentage Rate. An APR is used to calculate the amount you will repay in interest rate and fees associated with your solution. Historically, loans were taken out over several years – hence the measurement on an annual basis. Nowadays, with many shorter-term options available, the APR may seem high, because these are taken out between 30 days, and 6 months, and not a year or more.

Under guidelines set out in the Consumer Credit Regulations 2010 (Total Charge for Credit), and the Consumer Credit Act 1974, businesses advertising loans are obliged to show an APR guideline, regardless of the term. Whilst this helps the customer compare products, the length of the loan should be considered at the same time to give a true comparison.

The representative APR that you see on sites are usually either the most common APR offered to customers, or the average APR. Each individual has different financial circumstances, and therefore risk factors, so the actual APR you end up with on your loan may vary from the representative example – for better or for worse. The representative APR figure therefore should only be used as a guideline.

No, we are a licensed credit broker that uses state of the art software and systems to not only match you to a suitable lender, but also to ensure that a product is the right solution for you.

We have access to over 30 providers, and our systems allow us to ensure you get the right deal in no more than 2 minutes. If a lender rejects your application, it takes seconds to find another lender, rather than several minutes applying directly, multiple times. Once you fill in your details, we do the hard work for you, and you are under no obligation to accept your proposal. Remember, we charge you nothing for our service, so you really have nothing to lose, and everything to gain by enquiring now!

Once you have accepted a proposal from one of our partners, and are redirected, you no longer deal with us. For any problems directly relating to your solution, please contact your lender directly. If you have a query or complaint about our website, and the service we provide you, please write to us at MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA, and we will endeavour to respond within 48 hours.

There are a number of free, impartial organisations who can help you if you are struggling with debt:

Citizen's Advice

Citizens Advice provides independent, confidential, and free advice on getting out of debt, and a variety of other issues.

Website: www.citizensadvice.org.uk

Money Advice Scotland (MAS)

Money Advice Scotland (MAS) is a registered charity, and the national umbrella organisation promoting the development of free, impartial, independent, confidential money / debt advice and financial inclusion.

Website: www.moneyadvicescotland.org.uk

Telephone: 0141 572 0237

Money Helper

Money Helper is set up by the government to give free advice, unbiased, independent advice.

Website: www.moneyhelper.org.uk

Telephone: 0800 138 7777

National Debtline

National Debtline is a debt charity that provides free, impartial, and confidential advice.

Website: https://www.nationaldebtline.org/

StepChange

StepChange provides comprehensive debt advice and help to people with debt problems take back control of their finances.

Website: https://www.stepchange.org/