Bad Credit Secured Loans
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A Bad Credit Secured Loan is simply a loan available to Homeowners who may find it more difficult to borrow.
Whether due to a lower credit score, late payments, CCJs, the amount of credit debt or having recently moved home – it can all affect your ability to borrow.
However, the good news is with a Bad Credit Secured Loan it provides:
Our experienced team tailor the right loan option for each customer and support with the application process to give you the best chance of approval. It’s why we achieve such a high percentage of loan approvals and how we help 1,000s of people with bad credit to get accepted for a loan – and get back in control of their finances.
With our fast loan quote you can see your monthly repayment options without affecting your credit score and quickly see how much a Bad Credit Secured Loan could benefit you monthly.
From high value loans for home improvements and debt consolidation to mortgage expertise and short-term bridging loans, we help you save valuable time, money and effort by doing all the hard work for you.
Reduce your outgoings and combine your debts into one monthly payment.
Fast and flexible loans for borrowers who need effective, short-term deals
Our guide covers answers to some common property-related questions.
Find affordable loans that can help you increase the value of your property
No matter your credit rating we’ll help you find a deal that works for you.
Raise the deposit you need to invest in new property or refurb an existing one.
Borrow from £10,000 to £500,000 with rates from 4%
Getting a quote won’t affect your credit score
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
Mr and Mrs Sotherby had over £34,738 across 4 different credit cards with a less than perfect credit score due to previous missed payments. They were making the minimum monthly repayments of £1,283 each month and barely reducing their balances because of the high credit card interest rates ranging from 24.9% to 34.9%.
The solution…
They consolidated all 4 of their credit cards with a Secured Loan through us AND even borrowed an additional £5,000 as they wanted to make some much needed home improvements.
What was achieved was life-changing for them…
Even by borrowing extra, they managed to significantly reduce the amount they were repaying – by a massive £766 a month.
Now they have just ONE affordable monthly repayment, and more money left over each month to enjoy family life again.
Monthly repayment before consolidating
£1,283
Monthly repayment after consolidating
£517
Monthly saving achieved
£766
Check your eligibility to see how much consolidating with a Bad Credit Secured Loan could reduce your monthly repayments.
Even with bad credit, it doesn’t have to be complicated. We’ve made the process really quick and simple to get your in-principle loan decision. And if you’re completely happy with your Secured Loan offer – we can complete the loan application process quickly for you too.
Complete a short online form and tell us how much you would like to borrow.
See if you meet the basic criteria for the loan and that you can afford the monthly repayments
We submit the application for the underwriter to review and issue the binding offer.
We’re here to help every step of the way and ensure you get your money quickly.
For many customers with bad credit, getting a loan can be life changing – especially when consolidating expensive forms of credit and seeing such a huge difference to their monthly finances.
Many customers often wish they had looked at a Bad Credit Secured Loan sooner as it really can put you back in control of your finances.
So, if you’re struggling to repay credit cards, store cards or high interest loans – apply today for a loan quote and see how consolidating with a low rate secured loan could transform your monthly finances.
Yes, as long as you have enough equity in your home and meet the required criteria you can apply for a Secured Loan. We work with specialist lenders who can offer deals designed specifically for people with bad credit. Plus, getting a quote won’t affect your credit score.
It often comes down to how quickly you can provide the required information. The quicker you can provide, the faster the Secured Loan can be completed.
Generally, a Secured Loan can complete in as little as 5 working days.
Yes, if you have an impaired credit score due to missing repayments for any reason, then by having just one, more affordable monthly loan repayment should help you to avoid missing further repayments and in turn could help you to improve your credit score.
Yes, you have the option to repay the outstanding balance on your loan at any time. However, many lenders will charge an Early Repayment Fee. Depending on how much is left to repay, this can make early repayment a less desirable option so if you are planning this, it’s worth reviewing lenders with loan options that don’t have an Early Repayment Fee.
Yes, we can provide a in principle, no-obligation Secured Loan quote so you can see how much you could benefit before you do a full application.
Many customers do this and often find their monthly repayments are significantly less than what they are paying now on their current credit repayments.
Based on the information that you provide us with initially, we can review loan options across our full panel of lenders to see what options you could be accepted for. We can then provide you with a no-obligation, in-principle loan quote and as long as the information you provided is correct, could mean that you could be accepted for the loan.
At the next stage we would perform a full credit check before providing your formal loan offer from the lender.
This means there is nothing to lose in obtaining a Bad Credit Secured Loan quote to see what you could be accepted for. You’ll be able to see your rate and how much lower your new monthly repayments could be.
Depending on the reason for your bad credit score will depend on what the interest rate of the loan could be. We have lots of different loan options available for many different financial circumstances.
Often customers’ credit scores aren’t as bad as they think it is and so are positively surprised at how low the interest rate is offered to them. Additionally, depending on the amount of equity available in their property (property value minus the mortgage balance) can also influence the rate you are offered.
We’re experts in bad credit so can help advise on the best Secured Loan options available to you that you could be accepted for with bad credit.
Not to get a no-obligation quote there isn’t, as we only perform a soft search that won’t impact your credit profile.
Following your quote, if you would like to proceed with getting your formal Secured Loan offer from the lender then a credit check will be performed to ensure that we and the lender undertake our due diligence before formally offering the loan.
If you have a question – we’d be happy to talk to you – simply call us…
(Mon-Fri 9am-8pm, Sat 10am-1pm)
Our team has decades of experience in helping people with bad credit to get a Secured Loan. We consider all credit histories to find the right loan for each person’s circumstances.
Our team has decades of experience in helping people with bad credit to get a Secured Loan. We consider all credit histories to find the right loan for each person’s circumstances.
A lower rate means lower interest charges and this could help you to repay your loan sooner. With a fixed end date, you’ll know when your Secured Loan will be repaid in full and when you could be credit free. If you’re repaying credit debt, the sooner you act – the sooner this could be.
Ready to transform your finances? Get started now with a free, no-obligation Bad Credit Secured Loan quote.
LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
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At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)
This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.
We offer first and second charge regulated mortgage contracts for business or personal use.
Other finance options may include:
Regulatory Status:
We offer an advised mortgage broking service and provide enough information for you to make an informed decision.
We are not independent financial advisers. Free debt advice is available from the Money Advice Service.
You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.
Lenders may also have their own privacy policies which will be provided to you.
We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.
Fee details:
No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.
You will receive a Mortgage Agreement and an ESIS document detailing:
You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.
Missing payments can lead to charges, repossession, and negative impacts on your credit rating.
Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
If you wish to complain, contact us at:
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158
You may be able to refer your complaint to the Financial Ombudsman Service.
We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.
More info: www.fscs.org.uk
After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.
Contact us during this period with any questions. To proceed, sign and return the agreement.
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