ePrivacy and GPDR Cookie Consent by Cookie Consent Been Refused A Loan? - Speak To A Specialist Lender - Everyday Loans

Refused a loan before?

Even if you’ve been declined from other lenders, Everyday Loans may be able to help. We are experts at working with people who’ve struggled with
credit before

How much would you like to borrow?

Our quotes won't affect your credit score


Representative Example: Borrowing £3,000 over 24 months at an interest rate of 71.3% p.a. (fixed), you will repay 24 monthly payments of £237.75 per month. Interest Payable £2,706. Total Repayable £5,706. Representative 99.9% APR.

Feefo 2022 Platinum Trusted Service

If you have been refused a loan due to bad credit or other financial issues, Everyday Loans may be able to help. We are specialists in providing loans to customers and couples who have struggled to get loans in the past.

Our lending process uses soft search technology, so applying for a loan with us will not affect your credit. This is important as some lenders use hard credit checks which can leave a negative mark on your credit that may be seen by future lenders.

To see if you could be conditionally approved, simply fill out our online application. If you are successful we will schedule a face to face meeting at your local Everyday Loans branch.

How it all works

With Everyday Loans, you're more than just your credit score. Here at everyday we look at your credit future, not just your credit history. As such even if you have bad credit now or you've had a poor credit score in the past, we may be able to help.

There are 3 simple steps to taking out an everyday loans loan. All of our loans are subject to status and affordability.

  • Step 1

    Step 1

    Complete our short
    application form

  • Step 2

    Step 2

    Get an initial decision
    in minutes

  • Step 3

    Step 3

    Pop into your local branch
    to complete your loan

Why choose everyday loans?

  • Applying with us won't affect your credit score. We use Soft Searching Technology which means even if you're unsuccessful; it won't go against your credit file.
  • We offer loans to those with a less than perfect credit score. You'll need to be over 18, a UK resident and be able to afford repayments.
  • We're a direct lender not a broker. We'll NEVER charge you a fee to consider your application.
  • We'll give you a conditional decision in just minutes.
  • You can borrow from £1,000 up to £15,000 over a minimum term of 18 months up to 60 months, for almost any purpose. Loans not for business, gambling or illegal purposes. Maximum APR 299.8%
Start Your Application

At Everyday Loans, we provide loans from £1,000 to £15,000 with terms of 18 to 60 months. We are also able to work with people who have less than perfect credit. Our tailored approach to lending allows us to look at a broader picture of people’s credit situation.

Our application process allows us to consider more than just a person's income and credit score. We also book a face to face meeting with all of our customers so you will be able to discuss your situation with a real person, rather than just being judged by an algorithm.

To see if you qualify for a loan, simply fill out our online application. The process is simple and once we have your information, we can provide an initial decision.

Tailored Local Lending

Everyday Loans prides itself on quality customer service and friendly support staff across our nationwide network of branches. If you receive conditional approval for a loan with us, we will set up a meeting for you at our nearest location. During this meeting, we can look at more than just your credit history. We can take into account how you manage money, your financial obligations and your unique circumstances. This allows us to offer loans to a wider variety of customers than lenders that just rely on automated credit scoring.

In the meeting, we will determine if we can provide you with a final loan offer. If so, our expert will explain the specifics of the loan and fill out the necessary paperwork.

Responsible Lending

Everyday Loans is a responsible lender. We work with all of our customers to provide an honest and fair service as well as keeping all of our applicants' data safe and secure. To make sure we are reaching our goal of always lending responsibly, we schedule a face to face meeting with each and every potential customer. During this meeting we can explain the loan agreement, along with its terms and conditions. We also use this opportunity to complete a full assessment of each person's financial situation. All of our customer data is stored securely and processed in line with UK GDPR and DPA regulations.

During our application and meeting, we ask that our clients provide the most accurate information possible to our team. We also suggest people to do some research so they understand common terms and ideas used in lending, such as APR and credit score. However, our lending experts will walk them through these topics during their loan meeting.

We ask all of our customers to please let us know if their financial situation changes. For example, if their paycheque is late and they are unable to make a loan payment on time. In cases like this, we can work together to find alternative arrangements.

Our branches are open Monday - Saturday, please feel free to contact us with any further questions. To start an application now, just click the apply button and fill out our simple form.

Loans for People Refused Loans

In the interest of making sure that you are always making an informed decision, we will be listing here the most important information and answers to commonly asked questions to do with loans for people who have been refused by other lenders.

It seems sensible to start at the top! What’s a credit score? In short, all of us adults in the UK have a credit score of some level. This is a number (not a category like ‘low’) that changes as we go about our daily activities and spend and repay money. Invariably, some people will have a low credit rating for a variety of reasons.

This is a problem for them if they need to access credit to help pay for a particularly large life event or purchase, such as buying a new or used car. Having been turned down by other lenders is a problem, and it’s one that we can help solve!

  • Q1: How are your loans different?

    We know that adults who have been turned down by other lenders still have a need for help the same as someone with higher credit. That’s what we’re here for!

  • Q2: Can lenders see when I have applied for a loan?

    Not in our case, because we use Soft Search technology that doesn’t leave a fingerprint of sorts on your record. This won’t always be the case with other loan providers, who may indeed leave a mark on your record if you apply with them. That becomes a problem for someone seeking credit, as they may be refused loans if lenders see they have made a high volume of applications in a short period – in their eyes, it often indicates unreliability. That can make them be refused by other lenders for a loan more easily.

  • Q3: I have heard that my credit rating can increase by applying, is that right?

    Not just by applying. It might help to think of your credit rating as a reflection of your recent and past spending activities which is then used to predict your future reliability in making repayments. Because of this, you don’t actually demonstrate much by applying and being accepted for a loan; it’s the repayments that are the part that count. If you pay all your repayments in full and on time, your credit rating will improve.

  • Q4: I don’t get APR. Can you explain it?

    APR is merely a phrase used to describe the entire amount of money you will repay over the full duration of your loan. Instead of being a flat number such as 10% of £1,000, it is calculated using compound interest which changes the overall calculation into a slightly more complicated one. As we know this can be difficult to understand at times, we have advisors at our friendly branches who are able to break down your loan piece by piece to help make it clear. Refused before or not, we are happy to help consider your application and make it as easy as it can be.

Our Process FAQs

Looking to learn more about Everyday Loans and our loans process? Here’s more information on how you can apply for a loan with us. It’s always worth remembering that our process is designed to be simple and straightforward, with the support of a customer account manager who provides you with the information you need.

  • Q1: Can you tell me what’s required for a loan to be approved?

    You need to be a UK resident, over 18 and have a bank account within the UK. Beyond that, we require that you’re employed. You may choose to apply for a loan, particularly for purposes such as consolidating debt, home improvements and more. As a responsible lender, we carry out a creditworthiness assessment . This means that we try to understand your financial circumstance to ensure that you only borrow what you can repay. If you meet the requirements, you can make an application now without damaging your credit score thanks to our soft search technology – you won’t get a mark on your credit file.

  • Q2: Can you confirm if Everyday Loans is a direct lender?

    Absolutely – we are! Our physical headquarters are located in lovely Bourne End (in Buckinghamshire). We specialise in helping people with poor or bad credit.

  • Q3: Is it a long process to get a loan with you?

    Our process is simple, easy and efficient. If your application is initially successful, you’ll receive a conditional approval. After this, we send your details over to your local branch and arrange a time for a meeting with our friendly advisor who will complete the loan for you. It’s a simple process and the money can be with you shortly after your meeting is complete.

  • Q4: Are your loan quotes flexible ?

    Indeed, they are! Whilst your loan term and monthly payment is fixed once the loan is booked, the loan options we can provide span anything from 18 – 60 months, we can lend from £1,000 - £15,000 and everything in between. Apply today to review your options!