People with less-than-perfect credit might need to look past high street banks for the funds they need. Learn more about the loan and credit options open to you.
On Stride Financial offers repayment terms of 1 – 5 years, depending on loan amount.
Actual loan amount, APR and term may vary based on actual application details.
When you need funds, you often don't have a lot of time to hunt around for the money you need, even if you have less-than-perfect credit. If people have difficulty securing a traditional loan, many will look at options like so-called bad credit credit cards. Below, you can learn more about what “bad credit” might mean in relation to loans, but customers in need of funds should also consider On Stride Financial's instalment loans.
At On Stride you can borrow over 1 to 5 years, depending on the amount borrowed, and you can borrow up to £10,000. Depending on your financial history, APR rates range from 29% - 89%. Actual loan amount, APR and term may vary based on application details.
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Learn More about Credit Cards for Bad Credit
That depends on what you mean by “bad.” The thing to understand about credit scores is that they are the result of your previous financial behaviour. What this means is that a low credit score is low precisely because its owner has done things in the past like miss payments on bills, run up large credit card balances and default on debts. Properly understood, it’s not the score that stands in the way of a credit card or loan — it’s the history that created the credit score.
With that in mind, we can see that there are a range of less-than-perfect credit scores that might mean different things. Someone who has defaulted on a loan will likely have a very low score and it will be difficult for them to secure a credit card or loan until they spend some time demonstrating responsible financial behaviour. On the other hand, someone whose score is lower than they’d like because they missed several bill payments will likely have a higher score than the person who defaulted. This person may still have some trouble securing a credit card or loan, especially from a high street bank, but they will have more options open to them.
Depending on the actual number someone means when they say “bad credit,” they might have more or less options open to them. At the low end of the spectrum, it’s very unlikely that any reputable lender will approve a loan. In the middle, someone with less-than-perfect credit might believe themselves to have bad credit. Depending on their financial history, they may still have lending options, especially from alternative lenders.
If you find that you need funds and are having difficulty getting a credit card or other loan, On Stride Financial may be able to help! Though we do not offer “bad credit” loans, we do consider every application, regardless of credit score. By looking at your whole financial history, we may be able to offer you funds, even if you have less-than-perfect credit.
If you have less-than-perfect credit, consider options other than “bad credit” credit cards. With larger loan amounts, repayment ranges, and if used responsibly, On Stride Financial's loans could be the tool you need to take control of your financial future.
At On Stride you can apply to borrow over 1 to 5 years, and depending on the amount borrowed you can borrow up to £10,000. Approved customers are offered APRs of 29% – 89%, with your terms and repayment information clearly laid out before you sign. If you have any questions about On Stride Financial or our loans, feel free to contact us. Our customer support representatives are available 8 a.m. – 8 p.m., every Monday – Friday.
The information in this article is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness or fitness for any particular purpose. The information in this article is not intended to be and does not constitute financial or any other advice. The information in this article is general in nature and is not specific to you the user or anyone else.