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Are you applying for a loan for the very first time? If you are, then you may well be a little surprised to find out that it can be reasonably difficult to get accepted for one by some lenders.
Why? Because having no history of repaying back a loan on time (because you have never taken out a loan) can actually end up working against you, as many lenders accept people for loans based on their creditworthiness.
This makes it difficult for first-time borrowers – how do you prove you can pay back a loan if no one is giving you a chance to do just that? The team at Proper Finance strongly believes that this should work differently, and through our FCA authorised lenders that we work with, we provide first-time loans to those who require it.
Want to make an application with Proper Finance today? That is great news!
If you want to apply for a first credit loan, to do so is easy online. You can click apply now on our site, which will take you to our online application form, where will ask some basic questions first in order to determine your eligibility.
You will find that completing this form will only take you a few minutes at most. You will also receive an instantaneous decision as to whether the loan application can go ahead, meaning that there is no need for you to spend hours or weeks waiting for a decision.
If the loan process can go ahead, we can start working together with you and our lenders to help you find the very best deal on your behalf. What are you waiting for? Get in contact with us today!
By missing a number of first time credit loan repayments, you will find this can leave an impact on your credit score, affecting your ability to borrow money in the future. This is why it is incredibly important that you carefully consider whether you are able to afford taking out a first-time loan.
However, we do also take into account that unforeseen circumstances occur, meaning that you could end up making a late payment occasionally. If this is the case, inform the lender directly beforehand so they are aware of any potential problems.