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Representative Example: Loan Amount – £200 | Borrowed for 10 days | Interest: £9.89.
Total Repayment: £209.89 (Fixed) | Representative APR: 728.9% 
We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender. Cashcomet.co.uk Introduces customers to Monevo Ltd for the purposes of obtaining a loan. Cashcomet.co.uk does not provide any loan or consumer credit products directly.


Personal Loans

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A personal loan can help you take control of your finances.

Personal Loans

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Blacklisted Loans in the UK: Finding the Best Loan Options

Although loans have been around since the history of time, the incessantly increasing demands for loan services have paved the way for the emergence of new problems every now and then. As the number of borrowers availing of loans from traditional lending institutions and firms continued to increase, so did the number of borrowers with accounts that have gone delinquent, it appears.

In an effort to address what was, back then, was an escalating situation, traditional lending firms and institutions were able to devise a credit scoring system — which was aimed not only at lowering the number of accounts that were delinquent, but also to easily screen and segregate borrowers who are likely capable of paying off their loans from those who are unlikely unable to pay them off in the future. With this credit scoring system, individuals with income levels that fall below what the lending firms have decided was sufficient were consequently given poor credit scores, while the borrowers who were frequently defaulted on their payments had their records automatically reflect bad payment histories.

why choose blacklisted loans

While this credit scoring system proved to be extremely useful to the lending institutions, its effects proved to be adverse to the borrowers. As a consequence, borrowers with poor credit scores and bad payment histories were automatically disqualified from procuring any more loans from any of the standard lending institutions and firms. Because of this, borrowers who find themselves in emergency financial situations were often left with very few, impractical, uncomfortable, and often unsafe financial alternatives in times of urgent financial crises. Since borrowing money or asking favours from friends and family do not always make plausible resolutions in times of urgent financial situations, many borrowers were often left to resort to procuring underground loans from illegally operating lenders. Although through this option, borrowers do get the temporary financial relief that they need, the exceedingly high interest rates that are inherent to these types of loan services often leave borrowers in even more difficult financial predicaments. Due to this, borrowers who have left no choice but to secure loans from underground lending institutions often found themselves in perpetuated financial predicaments.

But as more and more borrowers with poor credit scores and bad payment histories find themselves in similar perpetuated financial predicaments, an entire new market made up of borrowers with bad credit was eventually created.

Getting Blacklisted Loans for Borrowers with Bad Credit

As demands for more affordable, secure and flexible financial services continued to increase in the then-newly created market comprised of borrowers with bad credit, lending firms have eventually came up with innovative new loan services. With the help of the latest advancements in technology as well as online security, innovative financial services such blacklisted loans for bad credit are now easily available to the borrowers in the market. Through loan solutions such as blacklisted loans, borrowers now get to avail of far more affordable, much more secure and flexible loan services even despite their bad credit. And unlike the application procedures involved in most of the conventional loans being offered by the traditional lending institutions and firms, applications for innovative loan services such as blacklisted loans do not necessitate the submission of impossibly hard to procure requirements. With blacklisted loans for bad credit, borrowers need only submit basic requirements.

Like many of the innovative new loan solutions that are now being offered in the market for borrowers with bad credit, blacklisted loans can be availed of by borrowers even despite their bad payment histories and poor credit scores. Through blacklisted loans, borrowers need not have to settle for underground loan services simply because of their poor credit.

How to Get Blacklisted Loans and Instant Loans

With the help of the latest in technology and online security, applications for the innovative new loan solutions such as blacklisted loans which are now readily available to the borrowers in the market can easily be completed even over the internet. Because applications for blacklisted loans and instant loan services can be accomplished entirely online, borrowers now have the option and convenience of being able to submit their applications from anywhere, anytime. And since  applications for blacklisted loans and instant loans are completed entirely over the internet, these applications are now being processed as soon as they are submitted. Approvals for these applications, on the other hand, can now be completed in as little as mere minutes after they were submitted. The release of funds for approved loan applications, meanwhile, can now be accomplished even on the same day that the applications were submitted. Due to these features of blacklisted loans and instant loans, these loan services make great resolutions in times of urgent financial situations — such as those that involve the payment of car repairs, home repairs, payment of hospital bills as well as other similar expenses.

But because blacklisted loans and instant loans are mostly small loans that are arranged to be paid over in short payment terms, they do not always make good loan alternatives in cases of more complicated financial crises. In such situations, borrowers are better off procuring bank loans or secured loans, which are typically paid over in much longer payment terms.

Getting Blacklisted Loans from Direct Lenders

Due to a popular misbelief among many borrowers, many are made to think that because borrowing from the lenders directly do not require having to pay for loan brokers’ fees, such option allows borrowers to save more money. What many fail to see, however, is that because loan brokers have wide-reaching connections to numerous lenders across numerous regions, they consequently have extensive access to all the deals and promotions that are being offered by these lenders across their many varying services. Because of this, borrowers who avail of loans through the assistance of loan brokers actually enjoy far more benefits and much more savings in the long term. And since loan brokers provide extensive expert financial advise to their clients, borrowers are guaranteed the best loan alternatives that best fit their unique financial circumstances.

choose the right blacklisted loans

10 Tips for Borrowing Personal Loans

Ask Questions.

If you have any questions or concerns regarding your personal loan, don’t hesitate to contact your lender’s customer service department. It’s their job to make sure there are no issues with your loan.

Make Your Payments On Time.

Most lenders charge late fees for missed or late payments. Try to make your payments on time to avoid any unexpected charges. If you know that you may miss an upcoming payment, contact your lender beforehand to come up with an alternative solution.

Repay Your Loan Early.

If your lender doesn’t charge an early repayment fee, consider paying off your loan early. Doing so could greatly reduce the interest accrued on your loan.

Don’t Borrow Too Many Loans.

By borrowing too many loans, you run the risk of falling behind on payments and acquiring many late or missed payment fees. Only borrow what you know you’ll be able to repay comfortably.

Read Your Contract.

Make sure you read and understand the contract before signing your loan agreement. Many of your loan’s rates and terms will be explained here in detail, so it’s an important document to review before proceeding.

Check Your Information.

Before submitting a loan application, review your information to make sure everything is accurate. This will accelerate the approval process and allow the lender to make the most accurate lending decision regarding your application.

Review Your Credit Rating.

Borrowers with good credit ratings will typically receive better rates than those with less-than-perfect credit. Your credit rating will also let lenders know if you’re a high- or low-risk borrower.

Read the Eligibility Requirements.

Not everyone is eligible to apply for a personal loan. Before spending too much time on an application, check the lender’s eligibility requirements first to see if you qualify.

Shop Around.

Make sure you shop around and compare APRs before applying for a personal loan. There are several price comparison websites available that can help you find a lender that you’re most comfortable with.

Find the Right Loan.

There are several types of personal loans you can apply for: secured, unsecured and guarantor loans. Visit our Personal Loans page to learn more about each loan type and which one best suits your needs.

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5 most recent personal loan reviews

Review of Cash Lady

I was so surprise about service, it was quick simple and easy but not forgetting the friendly staffs. Each and everyone I spoken was so helpful and ready to go extra mile. Really good, Gooood job.

Review posted by Yusuf Abboud, Dorney

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Cashback Loans

I was very worried about taking out a loan having never done this before but the girl made it so easy. She was nice to talk to, everything was made clear and precise, no problems whatsoever. Providing you keep up the payments I would recommend this to anyone. They kept myself and the guarantor informed every step of the way. Would definitely use Cashback again. I can now build my credit score. Any problems I can ring up and you have a personal plan. Great experience.

Review posted by Claudette Osborne, Kettering

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Little Loans

Found myself looking for a guarantor car loan as I'm only 19 and so I didn't have any good credit against me to get a normal one. Not only was Little one of the lowest interest loans I found but they were really helpful and it only took 2 days from applying to getting the money in my account. Brilliant service, would definitely recommend.

Review posted by Alex Kidd, Hull

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All our reviews are gathered from Trust Pilot to ensure authenticity.