Bad credit welcome

Affordability, not a cut-off

Score-based catalogues auto-refuse below a number. Here the question is simpler: does the payment fit your budget?

CCJs and defaults

They stay on a file for six years, but steady income and a sensible payment count for more here.

Benefits and pensions count

Regular income is regular income, whatever its source.

One application is enough

Spacing applications out and applying once beats five hard searches in a fortnight.