Bad credit home improvement loans

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Home improvement loans

Home improvement loans tend to be always offered by the company that is undertaking or quoting on the job you want doing. This is not always the best option and more often than not will refuse you if you need a bad credit loan. Don't be fooled by a smooth talking salesman offering cheap finance for their product, be it a kitchen, double glazing or a conservatory. Generally this building firms are not the actual lender, but use a third party to offer finance, AND they receive a ten percent commission on all home improvement loans they set up.

They call their loans sales pitch a 'pencil pitch'. Basically, they try to prove that they are cheaper than borrowing direct from a normal lender. Pay it off in a year and you have saved an absolute fortune in interest payments they will tell you.

They don't mention the fact that the home improvement loans they offer is exactly the same as using your credit card, just with a higher rate of interest and if you do not and just stick to your minimum monthly repayment, it will take ten years to pay off AND you will more than double the amount borrowed. It pays to shop around for your home improvement loans, especially if you need a bad credit loan.

Bad credit home improvement loans

Bad credit home improvement loans, whether secured or unsecured are become really hard to find since the global credit crunch and it is estimated that things will stay the same until at least 2010. However, our standing in the market place, means we can still help source finance for house improvements, you do not need to use the lenders preferred by your chosen building company or add the debt on to your mortgage.

So with you have a good or bad credit history, and need a bad credit loan for a new kitchen, replacement windows, a conservatory or a full refurbishment, simply use our online enquiry form so we can work, at no charge to you, on matching your needs with a sympathetic lender.

In the unlikely event we fail to help you find finance, we will advise on the best way to 'tidy up' your credit report and improve the chances of you securing an advance in the future.

Compare bad credit home improvement loans

If a bad credit home improvement loan is not exactly what you need, we can also help with other forms of financing. There are many different styles of loans available for people with an adverse borrowing history. We can help source any of the following agreements below. Click them for more information.

Which bad credit loan is right for you?