Here's one for you. Can you get a loan even if you have bad credit? The short answer is yes, although your options may be more limited. When you apply With Loanski, you'll get access to a large panel of lenders, some of which will be happy to lend someone with bad credit. So how does it work?

Firstly, go to and complete their simple and easy loan application stating how much you wish to borrow and for how long.

Then submit your application and Loanski will securely pass your details to the lenders who will then make their decision on many different factors If successful you'll be redirected to the lender that will show details of how to get your loan.

There are many different reasons why a lender accepts or declines an application with each lender having their own reasons. One of these could be your credit score. Lenders will check this with at least one of the credit agencies: Experian, Call Credit or Equifax.

These credit agencies store all your credit history but each of them has a different view on whether you have good or bad credit which can make things a bit more complicated. Each of the credit agencies register all CCJ's you may have on your file but they will not necessarily all have the same payment history details.

This can be the reason why you may have an acceptable credit score with one credit agency but not with another.

For example you may have previously been declined credit by one lender but accepted by another there are also other factors lenders use when making the decision including how much you earn, how long you've been with your current employer and how long you've lived at your address, if you can afford the repayments.

So there are many different things that help them to make a decision on your application. Loanski use lenders that between them use all three credit agencies which mean they can ensure a greater chance of being accepted should you have a low score with one of them.

If you're interested in what information the lenders can see about you, you can access your credit file with the agencies themselves.

If you feel the credit file is not representative of your credit history here is some free advice from me. You have the right to challenge the information held and update it if incorrect.

If you feel you have bad credit there are simple ways to improve your credit score by ensuring that the data held is up to date.

The easiest way to improve your credit is to add yourself to the electoral roll at your home address, if you haven't already, and check that the credit agencies have the correct addresses for you.

Wonga loans alternative takes away the uncertainty of knowing which lenders can help you and the type of loan you're looking for.

If you're looking for a loan and not sure if your credit history will be a problem make an application and we'll look for you apply today at

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