Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans in St James – Bad Credit Considered! Apply for up to £5k today!

Representative Example: If you borrow £550 over 6 months at a flat rate of 207.6% per annum (fixed) with a representative 1013.3% APR you will make 6 monthly payments of £186.82, repaying £1120.90 in total. Loan term lengths from 1 to 60 months. Multi Month Loans is a licensed credit broker not a lender. Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservce.org.uk

You could receive the money the same day with Multi Month Loans!

Get the money sent to your personal account in 15 mins!*

Representative 1013.30% APR

Helping our customers to find a suitable option for bad credit in St James.

Using leading-edge technology to match you with a loan provider instantly! 

Private & Safe

All your details will be securely handled and not sent to 3rd parties without your authorisation.

No Fees

You won't find any hidden charges . The rate you see is the rate the lender has set

No Paperwork

All loan applications are processed electronically so there's no need to sign any documentation.

British Website

We are a UK company helping UK customers.

Loans for bad credit in St James​

Apply online for a loan for bad credithistory in St James now†

You could get an instant loan decision online up to £5k today. The loan application options you could get at Multi Month Loans are designed to make our customer’s lives simpler – at times you have an emergency and need a little bit of extra money to get you by and we’re here to help you. Apply now via our website and you’ll be able to see if any of our lenders will accept your application for £100 to £5k loans (between 1 and 24 months). You could get the cash on the same day*.

We compare deals fromof the country’s main lenders to find you a short-term loan option – customers with bad credithistory are always encouraged to submit an application. We always seek for variety and flexibility – offering loan application options for everyone – even if you have been rejected for finance elsewhere. Our loan application process was designed to be as quick and simple as possible.

Our goal is to offer loan applications that are affordable, it’s that simple.

  • You can apply for anything between £100 and £5,000
  • All credit scores considered
  • No hidden costs
  • Paperless, just one simple form
  • Instant cash loans, 24/7, same day*
  • Private & safe, 256-bit data encryption
  • We offer 100% free no-obligation quote

Payday Loan Options

Loans for bad credit in St James​

Payday Loans: Get Cash Online Within 24 hs

Considering applying for a payday loan to ensure that your budget lasts until payday? Before you go ahead and submit an application for payday loans with Multi Month Loans today it’s important to understand both the advantages and disadvantages of this type of short-term finance.

Payday loans are unsecured credit lines that are borrowed for a short period of time, generally until your next payday although this period can be extended.

Once your application has been accepted, your funds will be deposited directly to your bank account. When your loan term ends, you must repay your loan and interest in full.

These type of applications are designed purely for short-term use only and therefore should only be used in one-off situations as they are an unsuitable option for repeated lending, and if used this way then they can be expensive.

These type of loan applications can last as little as a few days, or they can be extended over  several months. At Multi Month Loans, we offer you the ability to apply for loans with repayment periods of between 1 to 24 months, which depends on on how much you can afford and the amount to borrow.

Cash Loan Options

cash loans in St James

Cash Loans in St James up to £5,000

Cash loan options are generally taken out in times of financial distress. A lot of A small cash loan can be used to cover the costs for things such as unexpected bills or the costs of repairs. As the amounts and terms are short they are convenient for short term cash flow issues.

These loans can cover things such as, but not limited to:

  • Mortgage and rent payments
  • Car repairs and maintenance
  • House and home appliance repairs
  • Medical emergencies
  • Utilities and maintenance bills

At Multi Month Loans we offer cash loans applications, anywhere from £100 to £5k for periods of 1 month to 24 months. Some of the most popular cash amounts that our customers request to borrow include: £200£500 and £1,000 loans.

We could provide cash loans applications for {just as little as} a month up to 2 years. How long you wish to repay may depend on how much you wish to borrow. However, whether you wish to borrow for six months or twelve months, or on your next payday, we can be helpful. 

No Credit Check Loan Options

no credit check loans cash loans in St James

No Credit Check Loans for Bad Credit in St James

There are a number of reasons why customers may search for short time credit without credit checks in St James.

Generally, customers who have a bad credit rating, or what is called a ‘thin file’ credit report, search for payday loans with no credit checks However, as short term credit is regulated by the Financial Conduct Authority, to provide these type of credit without the appropriate affordability checks goes against the law. FCA regulations ensure that:

  • The consumer credit market runs proficiently
  • Borrowers can access the financial services that they need
  • The rights of borrowers and their best interests are protected
  • Individuals can’t borrow more than they can afford

Unsurprisingly, the most common reason why people search for payday loans with no credit checks is that they have a bad credit score. As you may be aware, when your credit score is not good, it can be very tricky when it comes to applying for a loan. It can affect you negatively you with high interest, short repayment terms and low borrowing amounts, or even (avoid|prevent} you from getting accepted for a loan, altogether.

Quick Loans Options

quick loan in St James

Fast Loans to Suit Your Needs

Quick cash loans are short term loan that are to be used for financial urgencies. Lenders approve and deposit the money fast so that you can solve your money problems ASAP. They are typically used to cover the cost of things such as one-off bills and unexpected situations. At Multi Month Loans, we provide quick loan applications for amounts of up to £5,000.

Many people will encounter some typeof financial problems in their lifetimes. Still, when unexpected expenses appear, many traditional lenders can leave applicants waiting for prolonged periods of time to receive a decision on their credit application. In such case, quick loans can provide applicants with the funds they require as soon as possible.

If you are in need of a quick loan you can request anything from £100 to £5,000, which could be sufficient to cover the expenses of any short-term urgencies which you may be having such as car repairs, unexpected expenses and boiler or home fixes.

While there aren’t any limits on what you can spend the quick loan on, there are some things that you should avoid using them for. If you’re struggling to pay off existing debt, for example, then we do not encourage you request a quick loan.

Small Loans Options

small loans in St James

Small Loans in St James

Small cash loans are usually borrowed in moments of financial emergency. Many applications for small cash loans are spent to pay for the expenses for things as unexpected bills or the costs of repairs. Because the loan amount and terms are short making them a good option for short term cash flow problems.

These type of loans can cover things such as, but not limited to:

  • Mortgage and rent payments
  • Car repairs and maintenance
  • House and home appliance repairs
  • Medical emergenciesUtilities and maintenance bills

If you’ve found yourself in a bit of a financial predicament and don’t know what to do next. If the washing machine has broken or if you want money for vehicle fixes to tide you over until payday, a cash loan could help your circumstances.

At Multi Month Loans, we could provide small loans applications in St James for as little as a month up to 24 months. How long you wish to repay may depend on how much you wish to borrow. However, if you wish to borrow for 6 months or 12 months, or on your next payday, we can be helpful.

No Guarantor Options

no guarantor loans in St James

Loans without a Guarantor for 1 to 24 months in St James|

A no-guarantor loan is one signed without the need of a guarantor. Without a guarantor, the customer is totally accountable for repayment of the loan. Having no guarantor could mean lenders consider the borrower a greater risk, which can result to higher APRs than guarantor loans.

These type of loans are for borrowers who would rather not be dependent on a guarantor and would rather have the responsibility of the loans. This means that relationships are not hurt should you fail to cover the repayments, because the [applicant|borrower} is the only person in charge.

In order to be considered eligible for finance in St James, you must meet the minimum requirements:

  • 18 years of age or older.
  • A UK resident. A resident of the UK.
  • Earn a regular income monthly.
  • Maintain an active bank account in the UK.

Having a regular income and a good credit score will make it more feasible to get accepted for a cash loan with no guarantor, but lenders are usually flexible and could consider individuals with bad credithistory.

6 Month Loan Options

6 months loans in St James

6 Month Loans: Borrow up to £5,000 in St James

Payday loans are suited for some people, as they are generally repaid within 30 days, but others may need to spread the cost of financing over a more extensive period, such as six months. A six months loan is a great option in many situations, but there are a few things individuals need to think about first.

Six-month loans are short-term finance options that are borrowed and repaid over a set six months. They are typically borrowed to cover living expenses such as rent and bills. This kind of loans spread the cost of the loan and the interest over six equal instalments.

It is typical for people to worry that their bad credit score will prevent them from borrowing money.

There are still lenders who could provide you credit options if you are looking for 6 month cash loans. Interest rates and APR may be higher for borrowers with bad credit score, therefore, you should always consider this when making your decision.

Some of the most popular options applied for by applicants include £100, £200, £500 and £1,000 loans.

12 Month
Loan Options

12 months loans in St James

12 Month Loans in St James

A twelve months loanis a short-term credit, borrowed and repaid within a fixed period of 1 year. Individuals will repay the loan borrowed in fixed monthly instalments together with the interest or fees the lender charges.

Customers could make use 12-month loans to pay for expenses such as unexpected bills, home improvements and repairs, or appliance replacements.

There are some lenders offering 12-month loans, including short-term lenders, banks and building societies, and some payday lenders, therefore you can apply in many ways.

To apply for a loan option with Multi Month Loans, all you will need to do is to complete an online application form with some financial and personal information. Once the application is sent and accepted by a lender, you could get your loan in just 24 hours.

Multi Month Loans are a tech platform, consciously helping you to find a suitable short-term finance option.

Loans for people on benefits in St James

Loans for people on benefits in St James​

Need a loan while on state-benefits?

By helping customers in finding convenient short term credit deals, we ensure you’re matched with a lender on our panel that suits your needs best. We guarantee a fastand simple application process, and all of the lenders we work with can send funds in just 24 hours.

In the event that you receive income support, such as universal credit or disability benefits, you may find it difficult obtaining a loan from a building society or a bank. Still some short-term loan lenders may be willing to lend you money, pending to your credit rating and affordability.

Generally, unemployed or state-benefit customers need to apply for a loan from a broker or lender who focuses in finding them such financing. Fees and APR may vary depending on the lender, therefore check your terms and conditions beforehand.

If you’re needing to borrow money while on benefits, here is how we at Multi Month Loans may be able to help . We provide a variety of loan applications for amounts of up to £5k for 1 month to 2 years. 

How to Get Bad Credit Loan Options in St James: Three Steps

Time Needed : 5 minutes
Check these step by step instructions to find out how easy it is to submit a loan application with us!
  • 1. Apply using our online form

    Applying for a loan at Multi Month Loans is always easy and quick. It just takes one or two pages to complete your application. You can apply on the go or from the comfort of your house. Even betteryou won't have to make any calls or fill out any paperwork.

  • 2. We search a panel of UK lenders

    By searching a big panel of British lenders in real-time, we are able to give you with an (immediate|instant} resolution. You will know whether or not you have been approved within seconds of applying.

  • 3. Access the Cash

    Most lenders will deposit the money directly to your bank account within a day! There are no fees and no paperwork to complete; submit an application for loan options up to £5k now!

  • 1. Internet connection
  • 2. Laptop, Mobile or Tablet
  • 1. Online application form

Frequently Asked Questions:

  • 1. How much can I borrow with a bad credit score in St James?

    The lenders we work with offer applications from £100 - £5k. As you can apply in increments of £100, you can customise your loan plan and borrow money to fit your circumstances. Please mind that although people with a bad credit score are welcome to submit an application, we cannot guarantee that a lender will approve your application. All applications are subject to approval from the lenders on our panel.

  • 2. When would I receive my loan for bad credit?

    Typically, lenders can approve loans within 15 minutes, which means your money can be transferred into your account on the same day you apply. Please mind that although people with a bad credit score are welcome to submit an application, we cannot guarantee that a lender will approve your application. All applications are subject to approval from the lenders on our panel.

  • 3. Why choose Multi Month Loans for bad credit loans in St James?

    We offer short-term loan applications in the UK, and our application process is designed to make your life simpler. Whether you have a bad credit score or need help covering an unforseen expense, we may be able to help you. Please mind that although people with a bad credit score are welcome to submit an application, we cannot guarantee that a lender will approve your application. All applications are subject to approval from the lenders on our panel.