We don’t know exactly how many hours a year people spend scouring the internet searching for ‘direct lenders for bad credit’…but we’re confident it’s a lot.
If you happen to be one of them, then call off the search party. You’ve just found what you were looking for.
Having a poor credit score is a nightmare for so many people across the UK.
Not only can it make it more difficult to get a mortgage, credit card, personal loan, overdraft or car finance, it also means you’re likely to be charged a higher interest rate even if your application is successful.
The biggest problem with credit is that it can be affected by so many different factors. Including missing payments, regularly setting up new accounts, applying for credit too often, having little or no credit history.
Maintaining a high credit score truly is a lifelong battle. But even if you are somebody who’s suffered the odd wound along the way, Northern Community Bank is here to tell you it’s not the end of the world.
Is Northern Community Bank like a bank?
Are we a direct lender like a bank? Yes. So, rather than searching for loans through an online broker; like banks, we cut out the middleman. This means you know exactly who you are borrowing from.
That is where the similarities end though.
Unlike banks, we put people ahead of profit, and we do that by offering easy, affordable loans to those in the community who need it.
From helping out in a time of financial difficulty, to affording a large purchase like a car, caravan or Caribbean cruise, loans can be real lifesavers.
And bad credit shouldn’t be the reason a person is denied one.
We fully understand why people may have had issues with credit in the past. So, by carefully assessing each applicant’s personal circumstance, we are able to make loan decisions based on affordability (not just your credit score) and tailor repayments to suit you.
And while other lenders often advertise Representative APR. With us, the rate we quote you is the rate you pay, every time.
How long does the application process take?
If you’ve been searching for ‘direct lenders for bad credit’ online, then there’s a good chance you need financial help sooner rather than later.
Northern Community Bank aims to have all loan decisions made within 48 working hours – as long as we have all the relevant information. And if the green light is given, the money can then be transferred into your account that same day.
What’s more, the entire application process can be done from the comfort of your own home.
Now, don’t get us wrong, we love seeing our account holders face-to-face, but we know that’s not always possible.
So all you need to do is remember these six words – apply online, decision online, sign online. It really is as simple as that.
And if you’d still like a little of that human touch, we’re only a phone call away – 01282 691333.
