Second-Chance Finance
Had Financial Setbacks?
We Can Help.
Life doesn't always go to plan. Whether it's a missed payment, a default, or a rough patch, we look at your whole picture, not just your credit score.
No credit score impact · Free to use
How We Help
More Options Than You'd Expect
We Look at the Whole Picture
Non-conforming lenders on our panel assess your current circumstances and earning capacity, not just your history.
Specialist Lenders on Our Panel
Our broad panel covers everything from major banks to flexible alternative lenders, so even complex situations can find a path forward.
No Judgement, Just Solutions
Our brokers have helped people in all kinds of financial situations. We focus on where you are now and where you want to go.
Your Data Stays Private
Our initial matching does not impact your credit score. We only run a formal credit check once you choose to proceed with a lender.
Situations We Can Help With
Bad Credit Loan Questions
Can I get a loan with bad credit?
Our lender panel includes financiers who consider a wide range of credit histories. Even if you've been declined elsewhere, we may be able to connect you with a lender who focuses on your current income and stability rather than past difficulties.
Will applying affect my credit score?
Our initial matching process does not impact your credit score. A formal credit check is only conducted once you choose to proceed with a specific lender, and we'll always let you know before that happens.
What does it cost?
There is no fee to use our matching service. If you proceed with a loan, the lender may pay us a commission. Full details are provided in your Credit Guide before you make any commitment.
Ready to Check Your Options?
No judgement, no credit score impact. See what lenders are available for your situation.
Check My Options - FreeNo credit score impact · Free to use