If you can’t get a loan for whatever reason, perhaps through having bad credit, then apply for a loan where someone else acts as the guarantor, perhaps a relative. If the loan defaults, they’re liable for the debt. Personal finance site Finder.com has these listed best with an example borrowing of £5,000 over three years.
Amigo Guarantor Personal Loan with a representative APR of 49.9%
TrustTwo Personal Loan also runs with an APR of 49.9%
UK Credit, meanwhile, has an APR of 53.9%
Simon Young was a journalist for 20 years, becoming a news editor on national newspapers including the Sunday Express. He went on to lead the teams at one of the world’s largest online companies before setting up Magic Word Media.