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Your One Stop for Loans

It doesn’t matter what kind of financial situation you are in, what your credit is like or what your bank told you when you tried to get a loan from them. We have so many lending options available through lenders we broker for that just about everyone is eligible for some of these loans. Our lenders offer both personal and short term loans, ranging from just a few months’ duration up to 36 months. You can choose from small loans you pay back quickly to larger loans that take years to repay.
Your options are immense, when you choose Lendplex, and we make it easy for you to discover the one loan that fits your needs perfectly.

Joint Loans in the UK: Finding the Best Loan Solutions

As the demands for loans and other loans services continued to increase throughout the years, the consequent rise in the number of borrowers as well as the parallel surge in the volume of unpaid debts have brought about problems that left not only traditional lending institutions and firms, but more importantly — the borrowers — in difficult circumstances. In response to what were then pressing problems, traditional lending firms and institutions decided to devise a credit scoring system, designed specifically to work towards their agreed ends. Under this credit scoring system, lending institutions and firms were given the capability to easily classify borrowers according to their individual financial capacity. Borrowers whom the lending institutions perceived to be likely to be incapable of paying off their loans were easily segregated from those whom they believed to be likely capable of paying off their loans without any problems. Through this credit scoring system, individuals who earn less than what the lending institutions have set as the required minimum were given poor credit scores, while borrowers who, for whatever reason, may have repeatedly or frequently missed out on their regular payments found their financial records automatically reflect their bad payment history. As a result, borrowers with poor credit scores and bad payment histories were automatically disqualified and precluded from acquiring any type of loan from any of the lending institutions. But while this credit scoring system proved to be of great help to the lending institutions and firms, its long term effects proved to be extremely disadvantageous and detrimental to the borrowers’ finances.

Since borrowers with poor credit scores and bad payment histories were no longer allowed to secure any type of loan from any of the legitimate lending institutions, borrowers who found themselves in urgent and serious financial crises were often left with very little, often implausible, impractical, or downright uncomfortable and unacceptable alternatives. And because asking for money from friends and members of the family, and selling of personal properties in order to raise money are not always plausible, nor are they always easy, many borrowers who find themselves in urgent financial predicaments often resort to taking loans from illegally lending individuals and firms. But while this option does provide borrowers the temporary monetary relief that they urgently need, its long term effects to the borrowers’ finances often leave them in a cycle of difficult financial circumstances. With the exceedingly high interest rates normally associated with these types of loan services, borrower are often left in much worse financial circumstances.

why choose joint loans

Getting Joint Loans for Bad Credit

As more and more borrowers with bad credit find themselves in similar perpetuated financial difficulties, a new market composed entirely of borrowers with bad credit was inevitably eventually created. And with the incessantly increasing demands for better, more affordable, and safer loan services in this newly formed market, lending firms and institutions later on came up with innovative new financial solutions.

With innovative new loan services such as joint loans for bad credit, borrowers now finally have much safer, much more flexible, and so much more affordable loan alternatives especially in times of urgent financial crises. Through these types of loan services, borrowers need not have to submit impossibly hard to procure requirements.

Just as the name itself indicates, joint loans are actually loans that two or more borrowers can secure together, which can be in much higher amounts than that of typical small loans that are normally to be paid over in shorter payment terms. This loan option makes it possible for borrowers to borrow money in bigger amounts than that allowed when procured on their own, individually. And because through joint loans, borrowers need not have to pay off the loan on their own, these types of loan services are actually easier on the borrowers’ budget.

How to Get Joint Loans and Instant Loans for Bad Credit

With innovative new loan solutions such as joint loans for bad credit, borrowers finally have more convenient and much safer financial alternatives. Through joint loans and instant loans, borrowers now have the convenience of being able to submit their loan applications even right straight from the comfort of their own homes. And since everything can now be done entirely online, borrowers now have the convenience of being able to submit their loan applications anywhere, anytime. With the latest advancements in technology, as well as the continuing evolution of the lending industry, borrowers now have the option to complete their loan applications entirely online. And because everything can now be done entirely over the internet, borrowers can now expect for their loan applications to be processed the moment that they are submitted. Approvals for these applications, on the other hand, may now be expected in as little as mere minutes after they were submitted, while the release of funds for approved joint loans and instant loans may now be completed in as early as the exact same day that the loan applications were submitted.

Because of these useful and convenient features of joint loans and instant loan solutions, these types of loan options actually make good solutions in addressing urgent financial situations. And since joint loans can be loans in bigger amounts and much longer payment terms compared to small loans, these types of loan solutions actually also make great options in addressing more complicated financial situations.

Getting Joint Loans from Direct Lenders

A common misbelief among borrowers is that because taking loans from the lenders directly do not involve having to pay for loan brokers’ fees, it follows that this option provides more savings and more benefits even in the long run. What borrowers often fail to see, however, is the fact that because loan brokers have extensive connections to different lenders in different regions, it also follows that they have comprehensive access to all the deals and discounts that these lenders offer across their various lending services. Consequently, borrowers who opt to secure loans with the help of loan brokers actually enjoy much more savings and far more benefits in the long term.

joint loans

Loan amount
£50 - £1,500
Loan term
2 - 6 Months
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Loan amount
£1,000 - £25,000
Loan term
1 - 5 Years
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How Much Do You Charge?

Lendplex charges nothing for its services. We have no payment options available on our website, as you may notice, because we never charge you. Additionally, you don’t have to pay the lenders extra just because we are bringing you and them together. Our services are completely free of charge.

How Long Do I Have to Repay the Loan?
The length of the loan depends on two factors- how big the loan is and what the lender’s terms are. Each lender has their own terms, and the larger the loan is, the longer you usually have to repay it. Interest rates may change as well based on loan length and the size of the loan.
Be sure you pay attention to the lending terms, as it is important to pay back the loan on time and in full. If you don’t, then you will have to pay additionally. How much extra you will have to pay will depend on each lender’s own terms.

Is It Easy to Be Approved for a Loan?
This is the biggest hurdle many people have to overcome when they want to get a loan- eligibility. Either they simply aren’t eligible or they fear they aren’t. Many people believe they would not be approved for a loan because they simply don’t have a lot of money to pay for a loan. What they may not realize is that with all the lending options our lenders have available, there is likely a loan or two that will fit just about anybody. You may be able to find one that you can pay very gradually on without a lot of interest and still get the full loan amount you are looking for. You won’t know until you try our loan matching service, though. It’s fast and simple, and you can find out in moments if you are eligible.

5 most recent personal loan reviews

Review of Genie Lending Ltd

I didn't expect that I would get a loan being that there was so many loan companies with so many requirements. When I tried Genie Lending, the process was swift, as soon as all my documents were sent to them. I am impressed and happy beyond words. It was such an easy process. Rates were quite high but that's expected for a bad credit loan. Thank you team Genie.

Review posted by Emmanuel Forsberg, Stafford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Clydesdale Bank

Very easy and very honest about what they offer and the rates are very good as well. Also the people I spoke to was very easy to talk to. Definitely would recommend to anyone in need of cash quick long or short term. Ps thanks Joseph

Review posted by Daniela Hyatt, Luton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Everyday Loans

My wife has very poor credit and was in urgent need of a new vehicle to get her too and from work. Luckily Everyday Loans agreed to give her a loan, which should start to build up her credit. The application was quick and easy (she did it on her phone over breakfast), and the money was sorted out within a couple of days. The interest rates seem very fair too considering the credit score.

Review posted by Gary Coombe, Glastonbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We source our reviews from TrustPilot to ensure authentic results.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
Loanora is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances