In this video I cover the main borrowing options for those who have bad credit, have previously had issues with credit or who are new to credit.
Many people think that their credit is worse than it actually is and opt to take out financial products that are much more expensive than what they may be able to qualify for.
Check out my video of the 6 best credit cards for people with bad credit here:
https://youtu.be/KOCgPDFMQ6s
You may be unaware that there are specialist companies offering credit cards and loans for people with bad credit. High Cost Short Term loans are advertised a lot, but these are often the worst option for people with bad credit where other choices including credit cards and overdrafts may be much better value.
Here's a video about improving your credit using credit cards:
https://youtu.be/ygu5UxMbZ5o
And another that covers some tactics for making a quick improvement to your credit in just 90 days.
https://youtu.be/uy86FzbCE34
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By Stock Chat

where the coffee is hot and so is the chat

27 thoughts on “How to borrow money with bad credit in the uk”
  1. Avataaar/Circle Created with python_avatars George Cooper says:

    Thank for the video. I am in England UK and was wondering if there was any loans available to help my charity which helps people with mental ? I have poor credit and have been scammed by someone claiming they could help recently. Thanks

  2. Avataaar/Circle Created with python_avatars hannah baking says:

    Love your channel !!

  3. Avataaar/Circle Created with python_avatars Carl Smith says:

    Thanks for the video. Do you have an email i contact you on ? Carl

  4. Avataaar/Circle Created with python_avatars mark nicholson says:

    Great video , I have just settled an iva currently waitng for my certificate of closer ,The only thing is I owe my parents quite a lot of money so thought about getting a loan I have 2 credit cards which I pay every month jabout 10 over the minimum amount ,I looked at getting a loan as my morgage company does not remortgage iva customers ,but I did renew my morgage with them last year for a good rate for 5 year fixed, can you recommend any loan companys as I only have ocean finance at the moment and wanted to compare ,thank you ,

  5. Avataaar/Circle Created with python_avatars _ says:

    wow what a shit video, nothing you said gave me any options to get money so i guess loan shark it is

  6. Avataaar/Circle Created with python_avatars don't look now but says:

    What a waste of time this video was. You basically told people with bad credit to go and try options that people with bad credit cannot do. If you have bad credit then obviously the options you stupidly suggest have already been tried by the people. Even people with an average credit score can't get some of your suggestions which places you in the pointless, fake click bait category of Youtube. Absoloutley useless in every way 👎👎👎👎👎👎👎👎👎👎👎👎

  7. Avataaar/Circle Created with python_avatars Drift King(DK) says:

    please i need a loan ASAP. I'm desperately in need of a loan for family emergency can you please help me sir. I have a credit score of 499 @Sasha Yanshin I have been looking for a loan no luck so far

  8. Avataaar/Circle Created with python_avatars Pot Noogle says:

    Can we burrow credit in 2022 with bad credit

  9. Avataaar/Circle Created with python_avatars GM ltd says:

    Hi Sasha, thanks for your useful content, I have learned a lot about credit core system in UK. Wish I found it months ago though lol.
    I just got denied a loan which I was pre-approved on experian, anyway beside that, I have a 50K/yr gross salary, few thousands pound in my saving account, but because 6 months ago I changed my car insurance, my credit score dropped down to GOOD instead of Eccellent. I wanted to borrow few thousands pound to improve my credit score too, which hasn't been progressing for a while.

    So the lender who denied my pre-approved loan asked me to connect directly to my bank account and they were able to see all my bank transactions for the past 2 years, which I don't mind as I have nothing to hide, however by looking at those transactions I have noticed something which I didn't think about before, last year I have made crypto purchases directly with my debit card, so on my bank statements are visible those transactions.

    As I know many banks and authorities are against crypto and crypto investing as it is a risk asset I know, so is it possible that I got denied because of this crypto mark on my bank statements? What's your opinion on it? beside that there is nothing i can think of that might have contribuited to refuse me a loan.

    Thanks in advance, I hope you can help me to make it more clear, because I really want to fix this situation.

  10. Avataaar/Circle Created with python_avatars Anees ul Hanif says:

    Hi sir

  11. Avataaar/Circle Created with python_avatars mike brown says:

    I have bad credit but I have 3 btc trading account each account has a balance 5,000 pounds but for me to withdraw the funds from one of my account I need to pay a fee of 500 pounds to withdraw the funds

  12. Avataaar/Circle Created with python_avatars Garrielee Peck says:

    All I can get is a phone

  13. Avataaar/Circle Created with python_avatars Garrielee Peck says:

    Yes some one used my name never got my credit back

  14. Avataaar/Circle Created with python_avatars Cami Wami says:

    They should teach this stuff in schools!!!

  15. Avataaar/Circle Created with python_avatars No Name says:

    My credit score at present is 573 out of 999 using Experian. It fluctuates monthly up & down. Please if anyone knows how bad is. Thanks

  16. Avataaar/Circle Created with python_avatars Theprettylittlechef says:

    My credit score is 395 which is poor can I apply for any thing?

  17. Avataaar/Circle Created with python_avatars d Jug says:

    Is it just me or U.K. credit system is rubbish compared to US

  18. Avataaar/Circle Created with python_avatars 1 says:

    How does the overdraft thing works can someone please help😕

  19. Avataaar/Circle Created with python_avatars JNJUNO says:

    In pretty sure I have bad or less than average credit score but I need a couple hundred so I can travel and carry on studying, I’d be able to pay it all back in one go by January, advice ?

  20. Avataaar/Circle Created with python_avatars A stranger says:

    Hello I need £1000 within the next 2 days and have 550 credit score and don’t want to be scammed what website do you recommend the most?

  21. Avataaar/Circle Created with python_avatars Roy C Horton says:

    I have never missed a payment in 10 years and hold a Gold Amex Account amongst others but my Credit Rating has been consistently low. I found out after much research it was me not being on The Electoral Roll due living on a Retirement Static Caravan Site which is well maintained and middle class.I explained this but the banks and building societies don't want to know the reason for the low credit rating !

  22. Avataaar/Circle Created with python_avatars Djoko Carnaud says:

    Never missed a payment got decline for credit card 😅

  23. Avataaar/Circle Created with python_avatars Waters says:

    Thank you, I'm 20 and moved out two years ago. had massive issues accumulate over time and thought I was stuck. never thought of these suggestions. only thing good to come out of 2020.

  24. Avataaar/Circle Created with python_avatars William Rutherford says:

    Are you in a financial stress and you are looking for a loan lender who is reliable? Are you interested in getting a loan even when your bank have denied you access because of poor credit history? You are welcome to Sheikh Loan firm a place where you will get a cheap loan at low interest rate of 3%. We offer loans to both the employed and the unemployed. Our services are reachable to people all over the world. The minimum amount is $3,000 and the maximum amount is $15,000,000.For more information on how to get through to us visit sheikhloanfirm@gmail. com
    WhatsApp:: +1 (818) 862-2303

  25. Avataaar/Circle Created with python_avatars Michael Donohue says:

    Very helpful. Thanks!

  26. Avataaar/Circle Created with python_avatars George Man says:

    Didn’t said any that important

  27. Avataaar/Circle Created with python_avatars Dylan says:

    My credit was at 721 ( just in the fair bracket) I applied for a car got rejected it went down to 626 now in the last 2 months it’s got up to 703 ( still classed as poor) what can I do to get this up? I’ve done all the main things update added register to vote ect I don’t have a credit card or anything

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