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Once we’ve found you a loan, then you can apply with the lender directly. They may require some additional information and documentation.

This two-step process is the quickest way to find out if you are eligible and it ensures that you get the loan you want. When you first fill out that application form on our page, we ask you what kind of loan you are hoping to get.

We want to know a few specifics about the loan so that we can connect you to the best lenders for your situation. Not all of our lenders offer the same loans, so it’s important to filter through them to find the most appropriate choice.
Now, let’s answer a few quick questions you may have about the lending process and how it works here.

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400 Loans in the UK: Getting the Best Loan Solutions

With the ever-increasing demands for loans as well as other loan services, and the consequent rise in the number of unpaid debts of the borrowers, traditional lending institutions and firms have decided to come up with a credit scoring system, developed and designed specifically to work towards their ends. Through this credit scoring system, borrowers expect to address similar problems in the long term. With such credit scoring system in place, lending firms have the ability to easily classify borrowers according to their financial capacity. Individuals who earn less than what the lending firms have required as the minimum were given poor credit scores, while borrowers who frequently or repeatedly missed their payments, regardless of their reasons, had their financial records automatically reflect their bad payment histories. Under the same credit scoring system, borrowers whom the lending firms saw as unlikely capable of paying off their debts in the future were easily segregated from the borrowers whom they saw to be capable of paying off their loans without any problem. As a result, borrowers with poor credit scores and bad payment histories were automatically disqualified from securing any types of loans from any of the traditional lending institutions and firms.

This credit scoring system, while it proved to be extremely helpful to the lending firms, was proven to be highly harmful to the borrowers’ finances, especially in the long term. Since borrowers with bad credit were automatically precluded from getting loans from any of the legitimate lending firms, many who found themselves in urgent financial situations were left with very few options that were often either uncomfortable, impractical, or sometimes — even downright impossible. Because selling off personal properties just to raise money, as well as borrowing from friends and family may not always be plausible nor easy, a lot of borrowers were left to settle with securing loans from underground lenders. And while these loan options allow borrowers the short term financial relief that they need, the long term repercussions often associated with these loans often leave borrowers in even worse financial conditions. With the exceedingly high interest rates inherent to underground loan services, a lot of borrowers often find themselves in a never-ending cycle of difficult financial problems.

why choose 400 loans

Getting 400 Loans for Bad Credit

As more and more borrowers  with bad credit found themselves in similar cycles of financial difficulties, however, an entire new market composed entirely of borrowers with bad credit was eventually created. And as demands for more affordable, more secure, and more flexible loan services continued to rise in this newly formed market, lending firms and institutions later on came up with innovative new loan solutions. Through innovative loan services like 400 loans for bad credit, borrowers finally have instant access to more acceptable, more affordable, and a lot safer loan solutions despite their bad credit situations. With innovative financial solutions like 400 loans, borrowers now have faster and more convenient loan resolutions to rely on in times of urgent financial situations. And unlike application procedures for a lot of the conventional loans that are typically being offered by majority of the traditional lending institutions and firms, applications for innovative financial services like 400 loans for bad credit do not necessitate for borrowers to submit impossibly hard to secure requirements. In applying for 400 loans as well as other innovative loan solutions, borrowers no longer have to wait in long lines for long hours, nor do they have to undergo even longer waiting when it comes to the approval and subsequent release of funds of their approved loan applications.

How to Get 400 Loans and Instant Loans for Bad Credit

With the latest developments in online security and technology, as well as the continuing evolution of the lending industry, borrowers finally have access to innovative new loan services even despite their bad credit. Through innovative financial solutions such as 400 loans and instant loans, borrowers now have the convenient option of being able to submit loan applications even without having to leave the comfort of their very own homes. Because everything can now be done entirely online, borrowers now have the option to submit loan applications from anywhere they are at any given time. And since applications can now be accomplished entirely over the internet, borrowers can now expect them to be processed immediately after they are submitted. And because applications are now processed in much lesser time, borrowers can now expect for their approvals in as little as just minutes after they have been submitted. The release of funds for approved 400 loans, on the other hand, may now be completed in as little as hours after the applications have been processed.

Because of these highly convenient and useful features of 400 loans and instant loans for bad credit, these loan services actually make great alternatives in addressing urgent financial crises. But since these loans are generally small loans that borrowers can repay over short payment conditions, these loan options do not make good resolutions to more complicated financial conditions. In addressing more complex financial situations that require loans in bigger amounts and far longer payment conditions, borrowers are better off taking secured loan options, which can be availed of in higher amounts and a lot longer payment terms.

Getting 400 Loans from Direct Lenders

Because of a common misbelief among borrowers, many are led to believe that just because securing loans from the lenders directly do not involve paying for loan brokers’ fees, it also follows that through this option, borrowers save more money. What a lot of borrowers fail to understand, however, is the fact that since loan brokers maintain a network of connections to numerous lenders across different areas, it also follows that they have unrestricted access to all their discounted lending services. Due to this, borrowers who avail of loans through the service of loan brokering firms actually enjoy a lot more benefits and much more savings in the long term.

why get 400 loans

5 most recent personal loan reviews

Review of Oakam

There are no other companies who can finance you as easy as Oakam loans, fast, courteous, reliable, no penalties and no hidden fees - real people for working class. Be honest find a friend to back you and you're done. Over 3 months I got £10,000, thank you Oakam you were there for me when all banks said NO.

Review posted by Daniel Fisher, Grantham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Cashflex

Cashflex was very considerate and understanding in giving a loan to a person with a limited credit history in the UK. Although I am in a well paying job, the fact that I moved recently to the UK makes people like me with a limited credit history look totally untouchable for high street banks. Cashflex opened a door and some breathing space for me, whose only other option would be payday loans. Thank you very much Cashflex!

Review posted by Manu Balewa, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Flexy Finance

After almost giving up on all my wedding plans due to the fact my grandfather had recently been diagnosed with lung cancer, taking months off work to look after him and attend his treatments, this took a massive impact and couldn't afford to pay our venue. Our wedding is in June and the pressure was getting to much! Not to mention the worry and feeling anxious that my grandad won't be here to give me away, it's basically now or never. So knowing my credit isn't the best I just hit a wall and thought this was the end! Until I came across Flexy Finance loans! After having a chat with my sister who wanted the wedding to go ahead as much as me she very kindly agreed to stand my guarantor! I only applied Saturday evening Tuesday £4000 cleared into my account! So a massive massive thank you! You've not only helped my dreams come true but given my family hope and something very good to look forward to! Would recommend to anyone.

Review posted by Anita Moir, Downham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

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Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances