The loans we offer are:

Personal Loans or Unsecured Loans: They can be arranged for those who are tenants or live with parents and are not able to put up their home as security. You can borrow anything from as little as £100 to £15,000 and can be repaid over time for up to 5 years. These loans are also available to homeowners who perhaps cannot or do not wish to secure the loan on their home.

Homeowner Loans: These loans are available only to those who are homeowners, i.e. they own their own home and have a mortgage. Interest rates are lower than for unsecured loans and the loan are much larger, as much as £75,000. At the same time the term of the loan can be from 5 years up to 20 years. They are particularly suitable for people who are looking to consolidate other debts and those who have had credit problems in the past.

Tenant Loans: These are personal loans, not secured on the property, particularly suitable for those who do not own their own home or live with parents. No security is required and you can borrow any amount from £100 to £15,000. The loan can be repaid at any time or as long as over 5 years.

Guarantor Loans: These are unsecured loans for those who find it difficult to obtain a loan due to previous adverse credit. You are offered the loan you need on the condition that you are able to provide a guarantor, somebody who knows and trusts you. The guarantor must have a good credit record but could be either a homeowner or a tenant. You make the repayments to the loan and your guarantor is there in the background as the security in case you default. In exchange you are offered a relatively low interest rate and the chance to improve your credit record by paying your loan on time. We have lenders that would lend anything between £500 and £15,000 over 1 to 5 years.

Payday Loans: Very popular small loans designed to cover an unexpected shortfall and tide you over to the end of the month. You can borrow anything up to £750 and pay it back on your next payday. It can be extended for 2-3 months if it need be. People find them convenient to arrange because the whole application process can be completed online and you could receive the loan within 24 hours. They are suitable for both tenants and homeowners.

Small Loans: If you are looking for a Small Loan, typically less that £750 and do not want the commitment of having to pay back the entire loan at the end of the month, this is the loan for you. They are useful for all life’s emergencies, an unexpected expenditure, to buy items for the house, an unexpected bill or even to spread the cost of a holiday. The repayments are usually weekly, from 13 to 39 weeks which makes it easy to budget, particularly for those who are paid weekly.

Bad Credit Loans: Have you had credit problems in the past? Has your credit record been damaged by past money problems? A specialist loan designed for those with past credit problems is what you need. Express Finance has the experience and works with lenders who take an understanding view to your particular circumstances. All you need to do is complete our short application and at the end you will be given a firm and honest decision. If you prefer to talk to a real person based in the UK to discuss your circumstances, no problem. Just give us a call on 0845 519 09 69 or if you are calling on a mobile 01489 790 620.