Student Loans & Finance

We specialise in offering direct student loans and bad credit student loans. Below we outline the options open to you.

Being a student is about having fun as well as learning so you don't want your finances to get in the way. Unfortunately students are leaving college and university with average debts of £13,500 - overdrafts, credit cards and loans. Being in debt is not a problem if you can afford the repayments, so the issue is more often about finding the cheapest way to borrow. We have a range of ways for you to manage your finances and to control the costs of borrowing - see below. And having a poor credit record doesn't have to be a problem!

Click on the issue you want to deal with now: I need more cash to keep me going I have a lot of debt on credit cards or store cards - I want to reduce my monthly interest cost I have a bad credit history and have found it hard to borrow more funds My interest-free student overdraft facility is coming to an end Any other issues? - then email us and we'll see what we can do!

Your Problem		Best Action		Your Options
I need more cash to keep me going [back to top]		Talk to your bank about an interest-free overdraft facility. These are often offered to students and graduates. However, you may already have done this and reached your limit in which case:		Maximise your student loan facility - low interest rates Apply for an unsecured loan - we can provide these to students, even if you have a bad credit rating. Our colleagues at Unsecured Direct Loans also have a number of unsecured loan options for students
I have a lot of debt on credit cards or store cards - I want to reduce my monthly interest cost [back to top]		This is just about the most expensive way of borrowing money, so it makes sense to switch it to a lower cost method if you can't afford to pay it off. In the short term you might be able to switch the balances to a new credit card at zero % for a period, and then keep moving the debt to realise the same benefit		Pay off the debt if you can Move the debt to a new credit card with a 0% balance transfer deal Extend your student overdraft facility (see above) if you can Maximise your student loan facility - low interest rates Apply for an unsecured loan - we can provide these to students, even if you have a bad credit rating. Our colleagues at Unsecured Direct Loans also have a number of unsecured loan options for students
I have a bad credit history and have found it hard to borrow more funds [back to top]		You need a specialist lender to help you - Now Finance have a series of options that can probably help you		Apply for an unsecured loan - we can provide these to students, even if you have a bad credit rating. Take a look at our special poor credit information Our colleagues at Unsecured Direct Loans also have a number of unsecured loan options for students
My interest-free student overdraft facility is coming to an end [back to top]		If this is about to happen then you will be charged the bank's standard authorised overdraft rate (10 - 16% typically). You need to find an alternative as least as good as this.		Pay off the debt if you can Move the debt to a new credit card with a 0% balance transfer deal Maximise your student loan facility - low interest rates Apply for an unsecured loan - we can provide these to students, even if you have a bad credit rating. Our colleagues at Unsecured Direct Loans also have a number of unsecured loan options for students

To help you budget use this tool to estimate your monthly repayments. Actual repayments will depend on your personal circumstances. Enter an amount from £1000.
 

Apply NOW for your FREE, no obligation quotation. We can consider all credit situations. We have access to numerous lenders. So you have nothing to lose.

Unsecured Loans for homeowners & tenants from £200
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Remortgages of up to £1m; Buy to Let mortgages, and Right to Buy mortgages

For Pay Day loans, and other financial products & services, please click on the left hand links.
 

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