Bad past? Late with repayments? County Court Judgments? Bad credit history? Bad things happen? It can happen to anyone and the last thing you need is someone reminding you of bad things! Online secured loans deal with thousands of people every year with a bad credit past. Because we search 1000's of loan deals we are more likely to find you a deal, even with the past credit history.
Not everyone has a perfect credit score. The result of a less than perfect score is a high interest rate loan. A bad credit score tells the lender that the risk is higher and therefore loans for high risk people have higher interest rates. The higher rate acts as an insurance policy for the lender.