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Poor Credit Loans

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Representative Example

We compare loans that can be paid back over terms of between 1 and 25 years. The APR interest rate you'll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%. This is a representative example of what it may cost : a Loan of £7,500 over 60 months at 3.3% APR would equate to monthly repayments of £135.60, and the total cost of the loan that you pay back would be £8,136.22

Poor Credit need not hold you back from finding the right Loan for you.

Are you looking for a way through which funds can be arranged, despite the bad credit history? At Oyster Loan, we can help you and we do so by arranging funds in the form of Poor Credit Loans. With us, you can enjoy the benefits of a customised alternative, designed to suit your specific needs and demands. As far as the poor credit loans in the UK are concerned, you have an opportunity to attain appropriate funds at a short notice.

Most of the poor credit loan brokers abstain from helping out those with poor credit. Our conscious effort is to find the most affordable loans for people with bad credit. All credit histories can apply. These loans can be just the thing to get you back on your feet.

Affordable Unsecured Loans for Poor Credit with the Minimal Hassle

With us at Oyster Loan, our loan advisors will ensure to recommend the ideal solutions that address your key concerns. If you are going through a period of uncertainty, then we might be of some assistance. We are now introducing credible deals in the form of unsecured loans for poor credit, which can be accessed without having to provide any collateral. There is no risk as such and the funds applied for can be sourced with feasible terms.

Loans for those with Poor Credit with Absolute Ease

We believe in simplifying things and our loan application procedure is a product of the same philosophy. You can easily apply for the loans for poor credit rating, without having to face the usual hurdles. In fact, you are just required to fill in the details in the online form, which we will then submit to the lenders concerned. Once the verification process including credit and affordability check gets over, the amount is deposited in to your bank account.

Loans for poor credit people are an effective way to attain finances, just to keep the proceedings under control. We at Oyster Loan mediate with the lenders with the intention to fetch the ideal poor credit loans that are geared towards providing a workable solution.

At Oyster Loan, We work overtime just for the reason to source out the most efficient financial solution that stands to benefit you in the long run.

Note: All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders.If you meet the lender's criterion, they will be more than happy to lend you money.We as a broker make all efforts to process your application with the most suitable lenders in our panel.


Oyster Loans is a licensed LOAN BROKER and not a lender. The website is registered in the UK and is authorised and regulated by the FINANCIAL CONDUCT AUTHORITY (FCA). WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

Oyster Loans does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loans and requesting you to make a payment, report it to

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

Important payment information

Collections Process
Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment
By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment
Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy
We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month's interest). If you are late in making your loan re- payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.

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Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom
0203 633 1699