LENDERS4U ✓ Bad Credit Loans Compared

Comparison Pages…

Bank (25) | Doorstep (18) | Finance (38/12) | Guarantor (18) | Instalment (47) | Payday (38) | Personal (36) | Short (14) | V5C (19)

Best Buy Back, Pawnbroker and Store Loans Compared

Last Update: December 6th, 2016

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(Secured: Buy Backs and Pawnbroker Loans. Unsecured: Store Loans)

About:

Our first alternative comparison was directed at Subprime Credit Cards. Today, we’ll be investigating 3 varied retail products. The secured options include Buy Backs and pawn loans. The final choice is standard unsecured loans (payday, instalment or personal). There are some companies featured today that offer all of the 3 lending options, as well as various other financial services. There is an endless potential range of firms that we could compare here. The approach taken has been to start with the major high street brands and then on to those that have a notable profile. Before getting to the listings, we’ll begin with some basic information on each of the 3 lending retail choices.

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Winners List: Credit Strategy’s Credit Awards

Last Update: November 25th, 2016

Credit Strategy's Credit AwardsTo begin with some background information, Credit Strategy is a recent rebrand of Credit Today that went through a few months into 2016. They have now moved to www.creditstrategy.co.uk. This change was sparked as a result of Shard Media Group Ltd acquiring the owner (Athene Publishing Ltd) earlier in the year. Athene has operated through events, magazines, web properties etc. The Credit Strategy Magazine started out in 1998 and it is today the industry leader, reporting on commercial and consumer credit. This magazine has a headed average circulation of 10,000 and a readership of 38,000. Their website that reports on current goings on in the industry is popular with professionals working in the financial sectors.

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Unbolted Store Loans | www.unbolted.com

Last Update: December 6th, 2016

Alternatives Submission:
Unbolted Store LoansUnbolted is a brand from Open Access Finance Ltd that has been operating through www.unbolted.com since November 2014. They have tended to fly under the radar since launch, although we have noticed increased ad spends throughout 2016. They were also discussed in an article from The Guardian back in 2015. In this article they were headed as a Wonga-style pawnbroker. I think this is a daft headline to call, since they target high-end goods only and so they are never going to appeal to the mainstream. We have grouped this firm in the pawnbroker store loan category, but they do only have a single office that you can visit in London.

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Best Value Sectors:

1) Banking: Sainsbury’s @ 0.004%
2) Finance (P): B/H/L @ 4.6%
3) 12 Month (P): First Direct @ 0.011%
4) Finance (Sub): Advantage @ 29.26%
5) Guarantor: UK Credit @ 0.053%
6) 12 Month (Sub): Likely @ 0.063%
7) Logbook: Car Loan Centre @ 0.108%
8) Instalment: Fair Finance @ 0.157%
9) Doorstep: Mutual @ 0.165%
10) Payday: Drafty: @ 0.180%
11) Short-Term: Drafty @ 0.180%

* Daily interest to 3DP
* Finance rates shown as APR
* (P) = Prime | (Sub) = Subprime.

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