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Ask the Expert - Poor Credit History

My local car dealer recommended you as a good company to help me arrange car finance even though I have poor credit history. I was quite ill a couple of years ago and got behind with my mortgage payments but I am just about up to date now and am need of a more reliable car to get me to work. I reckon I’ll need about £7000 for something decent and can afford about £200 a month. Can you help and can I buy a car from anywhere in the UK?

Hi Sarah and thanks for your question. Yes, we can help with arranging bad credit car finance. We have several lenders that we work closely with who understand that life doesn’t always run smoothly and will look at your […] read more
I noticed than you can help with bad credit homeowner loans. My credit history is not awful but I did go through a period of unemployment where I missed quite a few payments and got awarded a CCJ. I am nearly caught up now but could do with updating the bathroom and kitchen in my bungalow. I reckon on needing about £15,000 to do a nice job and could afford to pay back about £200 a month. Can you give me an idea of monthly payments and how long the loan can be over please?

Hi Tony. Thanks for your email and yes we can help with arranging homeowner loans for customers with poor credit history. Life has its ups and downs and this is not unusual you’ll be pleased to know. Good to hear […] read more
Hi, I’m looking for a homeowner loan for about £25,000 to consolidate some debts that have built up over the last few years and wondered whether you can help me. I tried my bank but they were very unhelpful, I think because I missed a couple of mortgage payments last year. I’m all caught up now but am worried that I will end up with a really high interest rate which I don’t want.

Hi Rachel and thanks for your email. I can understand your concerns and it is a shame that banks are so unhelpful these days. They do seem to be very cautious now, even when they are faced with a perfectly […] read more
I need a new car but my credit history isn’t great. I was unemployed for quite a while going back a few years ago and my finances got in a bit of a mess. I am mostly caught up now but really could do with a more reliable car to get to work. I tried an experian report and my credit score was quite bad but a friend of mine who also has bad credit suggested I contact you as you helped her to get car finance.

Hi Simon and thanks for your email about bad credit car finance. You have definitely come to the right place for help and advice when it comes to arranging car loans as we have several lenders who specialise in helping […] read more
Dear Pegasus, I noticed that you advertise being able to help with personal loan bad credit. My credit history is not brilliant but not awful, so I do understand that I might not be offered a really low APR but do not want to be paying payday lender rates either. I would like to be able to borrow around £12,000 to pay off a couple of credit cards and a bank loan that I have. Please let me know if you can help.

Hi Rachel and thanks for your email regarding personal loan bad credit. Pegasus Personal Finance work very closely with lenders who understand that the average customer in the UK doesn’t have a perfect credit score but as long as your […] read more
Dear Pegasus, I am looking for a personal loan for £25,000 but have bad credit and have noticed that you advertise help with arranging bad credit personal loans. My credit score is not awful but I did go through a period of unemployment which led to me missing a few payments on my car loan and credit card. I am pretty much up to date now on all my commitments now but could do with a loan to pay off a few small debts and to pay towards my wedding which is planned for later in the year.

Hi Sam and thanks for your email regarding bad credit personal loans and congratulations on your engagement. You are certainly not on your own with suffering from a poor credit score but this should not prevent you from getting the […] read more
Hi, I was wondering if you could help me. I need to borrow some money – can I get £5000, even with poor credit history? I’ve been turned down by other companies but I really need the cash.

Hello, thanks for your question. Trying to obtain finance when you have a poor credit history can be frustrating – but we work with a range of specialist lenders meaning we should be able to help you, no matter your […] read more

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Ask the Expert - Poor Credit History

Hi, I was wondering if you could help me. I need to borrow some money – can I get £5000, even with poor credit history? I’ve been turned down by other companies but I really need the cash.

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