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CCJs Unsecured Loans: Monetary Assistance to Deal with Financial Crisis

Introduction
Those with a good credit score have higher chances of obtaining finances at feasible terms. But what about those individuals who are having a bad credit score? Even if loans are made available, the interest rates will be high. However, now lenders are offering CCJs Unsecured Loans, which is meant for borrowers with a history of bad credit problems. Further, to avail these loans there is no need to attach any collateral.

Features
An attractive feature of these loans is that the borrower does not incur risks, as no property is taken for collateral. Both tenants and homeowners can find these loans for varied purposes such as renovation of home, paying off old loans, throwing a wedding party, going to an exotic locale, purchasing a car etc.

However, the lenders usually first ensure that the applicant can repay a particular amount. Hence, credit history, earnings and employment record of the borrower is assessed by the lenders before approving a loan. You can be approved anywhere from £1000 to £25000, keeping your repayment capability in mind.

CCJs Unsecured loans are known for a little higher rate of interest on small borrowed amount. But the rate is usually fixed for many initial years, allowing you to make the fixed amount of payment for the installments.

Borrower can source CCJs unsecured loans from lenders based in the physical market as well as lenders from the online market. To obtain these loans instantly, borrower should opt for online application. Due to minimal work, the approval of the amount is fast. By collecting the rate quotes and comparing will further assist the borrower to select a better deal based on his repaying capacity.

Summary
CCJs Unsecured loans are carved out for those people who either do not own a valued asset or even if they do own, they do not want it to put at stake for a small loan. Borrower can obtain amount anywhere in the range of £1000-£25000. The repayment term for the loan amount is short. The interest rates for the loans are slightly higher. It is because the amount is approved without any security cover. You can get these loans offline as well as online.

Representative APR Example:

You Borrow —£1000 You Pay —£1240 Representative APR 1223.6% (Variable)

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk