Credit problems affect a large number of people in the UK. This figure is set to rise as the recession bites and more and more people are driven into credit and debt problems.

When lenders assess your suitability for a loan they will always want to know about your past credit history. If you have had problems in the past this could result in two outcomes:

1. You are refused a loan
2. The loan is granted at a much higher rate of interest or with other strings attached

Approaching a mainstream lender, such as a high street bank, is usually a bad idea in these circumstances as they have little flexibility and are unlikely to consider any circumstances outside of their narrow underwriting criteria.

With our bad credit unsecured loans we have much greater scope to help you as we deal with many different loan companies, some of which are specialist in helping people with credit problems.

Plus we have many years experience of assisting people just like you - whatever your circumstances or problem it is highly likely we have seen it all before. We do not make judgements about people, we just want to get them unsecured credit wherever possible.

Applying is easy - give us a call or complete our online unsecured loans enquiry form. There is no obligation to proceed if we cannot offer you a good deal. We look forward to hearing from you and to helping you.

If your problems are more debt related, and you are looking at options to get out of debt, please visit our associated site, IVA Debt Problem to see which course of action is best for you.

Unsecured small business finance plans are great for business who need urgent funding, this product has a 90% approval rate. Yes Business Loans offer this fast service to shops, restaurants and bars all over the UK. Most customers have ran out of patience with their bank and are looking for other ways to finance their business. Customers can borrow from £3,000 to £150,000 and can use the money for any purpose.  

The government has announced new legislation aimed at tackling credit card debt. There are several measures which will be welcomed by consumers:

1. An end to adverse order of payments
2. More control over credit limits for individuals
3. Easier comparison of credit card deals
4. Clearer information on increased interest rates/credit limits

The "adverse order of payments" is the way credit card companies apply repayments to the portion of the debt attracting the lowest interest rate in order to maximise the interest they receive from the higher interest rates. For instance, if you transfer a balance to a new card with a 0% interest rate and then start shopping with an interest rate of 10.9% on every purchase if you make the minimum payment each month it will be used to pay off the 0% debt first with interest continuing at 10.9% on your purchases. The new legislation will require payments to be apportioned to the highest rate of interest first, thus minimising the amount of interest accruing each month.

Credit card companies will no longer be able to increase credit limits without prior customer approval. Customers will have the right to reject credit limit increases and reduce their credit limits when they want. They will also have clearer information provided regarding increases in interest rates, and annual statements allowing them to compare credit cards more easily.

The legislation has been agreed with credit card companies and will likely be fully implemented by the end of 2010. In the meantime if you are struggling with credit card debt, or any type of debt, you need to tackle it sooner rather than later.

IVA Debt Problem can guide you through all of your options and help you find the best way forward. Their debt solutions offer you the most effective ways of reducing your debts and getting back on your feet.

Information is available on debt management, debt consolidation, IVAs and more. There is a handy debt helpline to call if you would like to discuss your options, and an easy to complete online enquiry form.

IMPORTANT: If you are struggling with debt don't bury your head in the sand and hope it will go away or sort itself out. It won't and avoiding the subject will only lead to more debt and more problems. Get debt help and advice as soon as you can.

Do you run your own business? Are you looking to expand, buy new machinery or looking for additional working capital? You need to find a company that will say YES to your business loan application - step forward Yes Business Loans.

Loans are available to all types of businesses. Some of the businesses catered for include:

• Hotels
• B & B
• Farms
• Offices
• Shops
• Land
• Guest Houses
• Restaurants
• Nursing Homes
• Factories

Their business loans are a fast, flexible way of getting your business moving. There is no need for a personal interview, everything can be done through the post. Advances can be up to 85% of your property value or if you have additional property even up to 100%.

Offers can be made within 24 hours and credit problems need not hold you back. CCJs, arrears and bad debts can all be accepted. Rates are competitive and they have a huge range of loans and mortgages so are sure to have the right plan for your business.

Applying online is quick and easy. They do not need to know your inside leg measurement and there is no obligation to proceed if you don't like their quotation. They can quote for business start up finance, bridging loans, business mortgages and buy to let.

For your own personal business quotation visit Yes Business Loans and see how they could help you.

Many people are struggling with debt problems in these difficult times. It is estimated that the number could be 1 in every 4, around 25%, finding it difficult to keep up with repayments and keep their heads above water.

A newly relaunched website, IVA Debt Problem, could help many write off a proportion of their debts or alternatively consolidate their debts into an easier to manage monthly payment.

Specifically aimed at people with debt problems it offers a number of different solutions and a debt helpline for you to contact them and discuss your current circumstances. The three main options are:

• Debt Management
• Debt Consolidation
• IVAs (Individual Voluntary Arrangements)

It's free of charge to contact them and see what they can offer and how they could help you. All enquiries are welcome, no matter how bad things may seem. There is no limit to the amount of debt or number of creditors you currently have.

IMPORTANT - if you are currently struggling with debt problems don't leave it too late. Putting off dealing with your debts will inevitably leave you owing more and make the situation worse. Get debt help as soon as you can and get your life back on track.

For more information visit the IVA Debt Problem website and see how they can help you with your debt problems.

We have now added a blog to the Unsecured Loans website.

This will be updated regularly with news from the world of unsecured loans and finance. New products and services we can offer you will be listed here as and when they become available, as will more information about the company.

It has been hard for many people to obtain a loan or mortgage in the past year with lenders tightening up their lending criteria. However there are signs that this may be changing slowly and there are more deals to be had now than for a long time.

We search the market for you to save you time and effort and our inside knowledge of all of the latest deals and rates enable us to get you unsecured loans with the lowest rates available.

It's easy to apply, simply complete our unsecured loan enquiry form for a free quote based on your current circumstances.