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Apply for a loan of up to £25,000*

We are an Introducer Appointed Representative of Quint Group Limited, who are a credit broker not a lender. serpable Introduces customers to Monevo Ltd who are an Appointed Representative of Quint Group Ltd. for the purposes of obtaining a loan. serpable does not provide any loan or consumer credit products directly.

  • STEP 1
    Apply Online

  • STEP 2
    Get Approved

  • STEP 3
    Get Your Cash!

I’d like to borrow:

£100
£25000
£1000

and I need it for:

1 Months
5Years
12 Month
You want to borrow
£1000 for 12 Years
£1000 for 2 Month

Need A Loan Desperately

Applying for a home loan is not as easy as counting 1,2,3. Most of the times, a lot of effort and time is required to achieve your goal. Therefore, if you are in need of desperate loans, you need to get yourself truly ready. Lenders are scrupulous when it comes to their prerequisites and they are not scared to turn someone down. However, there are things that would help you increase your chances of getting approved. To start with, you need to turn yourself into an attractive borrower that will please the lender. Accomplishing these three objectives boost your chance of taking the cash home.

  1. Improve Your Credit Score

This technique is nothing new at all; in fact, every borrower knows this because it’s no secret how lenders reject individuals who have bad credit. Sadly, the economy nowadays makes it difficult to get impeccable credit remarks. Nevertheless, it doesn’t mean that you can never acquire a new credit line; it will just reduce the chance of getting granted. These days, the competition in the lending industry is stronger and loan providers are creating ways on how they can accommodate everyone, thus, the birth of bad credit loans. Although these loans are beneficial to those who have unpleasant financial status, it comes with expensive rates that are hard to settle. Therefore, to enjoy low-interest rate loans and a higher chance of getting approved, you need to secure a good credit score.

  1. Debt-To-Income Ratio

The debt-to-income ratio is utilized by the lenders to know how the applicant is able to manage his monthly salary and his ability to repay debts. If your expenses are bigger than your income, then the lender will assume that you’ll have a hard time repaying the debt, thus, decreasing your chance of getting approved. If you’re planning to get the loan immediately, you can do two things. First, you can increase your income by looking for another job or establishing a small business. Otherwise, you can reduce your debt. Living below your means will make a significant change in your financial status. It’s also ideal to repay your debts one by one, such as your credit card balances, existing payday loans, etc.

  1. Down Payment

First time home buyers are allowed to provide minimum down payment but if you’re eager to get a home loan, you should prepare at least 20% down payment for the house that you’re planning to buy. This will increase your chance of getting approved and take you closer to your dream home.

These three may look hard to achieve, however, getting ready before you buy a new property will surely help. Do not rush if you know that you’re not capable yet; prematurely applying can put you into more trouble and decrease your chance of getting approved. Even if you need a loan desperately, it’s important to create a plan on how you can increase your chance. Meanwhile, you can use your time to save enough money for the down payment, improve your credit score, and search for the best lender.

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