Find a loan even if you have bad credit

Find guarantor loans available for borrowers with bad credit.  Compare lenders online and apply today.

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So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."

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Bad Credit Loans

If you've got a history of bad credit then you may be finding it difficult to get accepted for any form of standard borrowing.

There are options available for those with bad credit.  You are seen as a higher risk to the lender, but there are providers for bad credit loans who are more likely to approve your application.

With bad credit loans or other forms of credit, you will need to meet certain terms and conditions and you should expect to pay a higher interest rate than you would with a standard loan. 

To find out more about bad credit loans, it may be worth speaking to a loan adviser.  To compare a range of lenders, click through to our simple loan calculator above.

We've teamed up with Lovemoney.com to compare a wide range of loans: whether it is to finance a new car, for a holiday or to complete a home improvement project. We understand that choosing from a wide range of low-rate loans from various companies can quickly become overwhelming, but using their comparison table means you can find the loan to suit your lifestyle with ease, speed and confidence.

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