If you are a private landlord tenant like me, who has ended up with some bad credit through the actions of an ex girlfriend, or an un expected bill, finding good places to get finance for plasma tv’s, contract n96 mobile phones, sofas, ps3 consoles, fridges, freezers and other electrical appliances is key to keeping your monthly overheads down.

Review of private lenders from Gumtree 

There are often private lenders or loan sharks that advertise on gumtree that have a no credit check policy. The can often lend cash quickly and without a lot of income verification. The problem with them is that they are likely to use unpleasant means to get their money back like threats of physical violence and other abuse. They also lend money with a very high fee and interest rate. Unless you find a good one you are better off avoiding them.

Review of Provident personal credit

The new provident visa card offers people with bad credit the chance to get a visa debit card with no credit check. It’s a pre paid card that you fund before you use it. They are available in values up to £300. They are great for booking things over the phone and on the internet. Your provident loan agent will offer you the opportunity when he comes to your door to fund your card.

Provident personal credit loans are usually around 180 percent APR which is quite high. A loan of £300 will end up costing you just over £500 when paid over 56 weeks. These are available from the door to door lender from the provident. Chase finance limited, Flex finance limited, loans at home 4 u and Morses Club are quite similar with usually higher rates of interest.