{"id":138957,"date":"2018-10-23T19:26:16","date_gmt":"2018-10-23T18:26:16","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=138957"},"modified":"2025-07-11T17:49:47","modified_gmt":"2025-07-11T16:49:47","slug":"fair-credit-loans","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/fair-credit-loans","title":{"rendered":"Compare personal loans for fair credit scores"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\">Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.<\/p><p>Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><h3 id=\"learn\">What is a fair credit score?<\/h3><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"\/>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"\/>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Fair credit scores<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>There is no single, definitive credit score that&#8217;s defined as &#8220;fair&#8221;. Each Credit Reference Agency (CRA) uses a different scale. Lenders will normally check with one or more of these agencies when assessing your application for credit. Even though these bureaus collect the same information to determine your credit score, there\u2019s enough variance in their algorithms to result in different scores among them.<\/p><p>These are the scoring ranges employed by the main UK CRAs. The higher the number, the better the score.<\/p><ul class=\"list-10 has-margin-bottom\"><li><strong>Experian:<\/strong> 0-999<\/li><li><strong>Equifax:<\/strong> 0-1,000<\/li><li><strong>TransUnion (formerly Callcredit):<\/strong> 0-710<\/li><\/ul><p>Depending on your score, you\u2019re said to have excellent, very good, good, fair, poor or very poor credit:<\/p><table class=\"luna-table has-margin-bottom\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Agency<\/th><th scope=\"col\">Score<\/th><th scope=\"col\">Rating<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Experian<\/th><td data-title=\"Score\">0-560<br \/>561-720<br \/><strong>721-880<\/strong><br \/>881-960<br \/>961-999<\/td><td data-title=\"Rating 3\">Very poor<br \/>Poor<br \/><strong>Fair<\/strong><br \/>Good<br \/>Excellent<\/td><\/tr><tr><th scope=\"row\">Equifax<\/th><td data-title=\"Score\">0-438<br \/><strong>439-530<\/strong><br \/>531-670<br \/>671-810<br \/>811-1,000<\/td><td data-title=\"Rating 3\">Poor<br \/><strong>Fair<\/strong><br \/>Good<br \/>Very good<br \/>Excellent<\/td><\/tr><tr><th scope=\"row\">TransUnion (formerly Callcredit)<\/th><td data-title=\"Score\">0-550<br \/>551-565<br \/><strong>566-603<\/strong><br \/>604-627<br \/>628-710<\/td><td data-title=\"Rating 3\">1: Very poor<br \/>2: Poor<br \/>3: <strong>Fair<\/strong><br \/>4: Good<br \/>5: Excellent<\/td><\/tr><\/tbody><\/table><p>Having a decent credit score will make it easier to get approved for personal loans, mortgages, car finance and credit cards. It&#8217;s also likely to have a bearing on the credit limits and interest rates that you&#8217;re offered by lenders (which can vary at the lender&#8217;s discretion).\n        <\/div>\n    <\/div>\n<\/div>\n<h3>How does my credit score affect my application?<\/h3><p>While it&#8217;s not the only factor considered, your credit score is one of the main things used to determine your odds of getting approved for a loan in the first place, the maximum amount you can borrow <em>and<\/em> the interest rate you&#8217;re offered.<\/p><p>Although your perceived risk may vary from lender to lender, they&#8217;ll all try to determine how well you&#8217;re meeting your financial obligations. The better you are at meeting those financial obligations, the less risk you&#8217;ll pose in a lender&#8217;s eyes. If you haven&#8217;t always paid bills on time or have missed loan repayments in the past, the rates you&#8217;re offered will most likely be &#8220;sub-prime&#8221;.<\/p><p>The lowest rates on the market are only accessible to people with excellent credit. Applicants with fair credit may be offered personalised (higher) rates or may need to apply to specialist lenders.<\/p><p>All lenders must evaluate the interest and fees they charge and calculate the <strong>APR (annual percentage rate)<\/strong> of their products in the same way, and must tell you the APR before you sign an agreement. So for consumers, the APR <em>should<\/em> be a handy tool for comparison.<\/p><p>But crucially, when lenders advertise their <strong>Representative APR<\/strong>, in most cases this is not the rate that they award to all successful applicants. It&#8217;s defined by the Financial Conduct Authority (FCA) as being the APR that the lender realistically expects at least 51% of its borrowers to get. Because most lenders tailor their interest rates to the applicant, it&#8217;s usually the 51% of applicants with the best credit scores that get the representative APR, while the remaining 49% get a higher APR. This is known as <strong>risk-based pricing<\/strong>. <\/p><h3>How do I find the right fair credit loan for me?<\/h3><p>Let&#8217;s say that you have a fair credit score, and you go straight to the lender offering the very lowest rates on the market. If your application is approved, it&#8217;s highly likely that the lender will offer you a higher rate than what you&#8217;d seen them advertise. If you apply to a specialist fair credit lender, you&#8217;ll stand a better chance of getting approved and a better chance of getting their advertised representative APR.<\/p><p>So when your credit score isn&#8217;t excellent, the representative APR can be misleading. What you really need to know is the actual APR that you personally would be offered by each lender, and what their loans would cost you each month and overall. Lenders can give you this information before you apply if you consent to a <strong>soft search<\/strong> of your credit file (the &#8220;soft&#8221; bit means that it won&#8217;t hurt your credit score).<\/p><p>Better still, a decent loan matching service (like Finder!) can check your eligibility with multiple lenders in one go, and give a personalised comparison of the actual APRs that you&#8217;d receive and the monthly\/overall costs of the loans.<\/p><h3>What types of loans are available to fair credit scores?<\/h3><p>Repairing your credit score can take time, but you do have loan options now if your credit is sitting at &#8220;fair&#8221;.<\/p><ul class=\"list-10 has-margin-bottom\"><li><strong>Unsecured personal loans. <\/strong> <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">Fixed-rate, unsecured instalment loans<\/a> such as those compared on this page, involve a lump sum of \u00a3500 to \u00a325,000 borrowed up front repaid in monthly instalments. As the name suggests, these loans aren\u2019t secured against any property. They&#8217;re available from high street banks, supermarket banks and online direct lenders or through brokers and loan matching services. Many lenders cater to those whose credit histories are less than perfect. With a fair credit score, the interest rates on a personal loan are likely to range from around 15% to 40% yearly.<\/li><li><strong>Guarantor loans. <\/strong> <a href=\"https:\/\/www.finder.com\/uk\/guarantor-personal-loans\">Guarantor loans<\/a> require a friend or relative of the borrower (who will need to have good credit) to promise to step forward in the event that the borrower defaults on the loan. Interest rates for these loans typically sit between about 35% and 50% yearly.<\/li><li><strong>Secured (homeowner) loans.<\/strong> If you&#8217;re a homeowner with a mortgage, a <a href=\"https:\/\/www.finder.com\/uk\/secured-loans\">secured loan<\/a> is essentially a second-charge mortgage, that can let you leverage the equity in your home as security for the lender. By reducing the chances that the lender could lose its money, you could be more likely to get your application approved, you could be able to borrow a larger sum and you could get a lower rate. There are some downsides to be aware of: your home is on the line and a lower rate might actually work out more expensive if you end up borrowing over, say, 20 years. At the time of writing, with a fair credit score, the interest rates on a secured loan are likely to range from around 8% to 20% yearly.<\/li><li><strong>Credit builder credit cards. <\/strong> <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">Credit building cards<\/a> are essentially just regular credit cards that designed for lower credit scores, to be &#8220;stepping stone&#8221; products to cards or loans with better rates. Credit limits typically start relatively small, but can usually be reviewed within just a few months of responsible card use. By reporting back to CRAs that you are borrowing responsibly, any credit card can help you to build or rebuild a positive credit history. Whether or not a card is a better bet for you than a loan may come down to whether you need a one-off lump sum now or ongoing access to a bit of credit each month.<\/li><li><strong>Car finance. <\/strong> <a href=\"https:\/\/www.finder.com\/uk\/car-loans\">Car loans<\/a> take various forms, and because some forms use your vehicle as security, lenders can be less exposed to risk and can be more inclined to lend.<\/li><li><strong>Logbook loans.<\/strong> With a logbook loan, you hand over the V5 logbook of your vehicle to a lender as security. These loans are usually considered short-term loans because they are meant to be repaid quickly. Interest rates are high, and if you fail to repay a <a href=\"https:\/\/www.finder.com\/uk\/logbook-loans\">logbook loan<\/a> on time, you stand to lose your vehicle. The amount you are able to borrow will be relative to the value of your vehicle.<\/li><li><strong>High-cost, short term loans. <\/strong> <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\">Short term loans, including payday loans<\/a>, can be paid back in as little as a few days or on your next payday, but they typically come with some of the highest interest rates around. They are usually given in smaller monetary amounts of up to \u00a31,000, over terms ranging from a few days up to 12 months. Interest rates on this type of loan are legally capped at 0.8% per day (292% yearly).<\/li><\/ul><h3>How do I compare my loan options if I have a fair credit score?<\/h3><p>A fair credit score can limit your options slightly. Not all lenders will be willing to fund you, and others might not give you their best loans. Here\u2019s what you should look for when comparing lenders:<\/p><ul class=\"list-10\"><li><strong>Eligibility.<\/strong> Different lenders will require you to meet different criteria. Credit score, age, income and residence are all factors that may determine your eligibility for a loan, and there&#8217;s no point applying if you don&#8217;t meet those terms. Look for &#8220;soft search&#8221; or &#8220;eligibility checker&#8221; facilities to find out whether or not you&#8217;re likely to be approved, without affecting your credit score.<\/li><li><strong>Available loan amounts.<\/strong> Consider exactly how much you need to borrow, and why that amount is necessary. Borrowing more than you need will obviously cost you more in the long run, and lenders can be apprehensive about lending larger sums to people with less-than-perfect credit histories.<\/li><li><strong>Overall cost.<\/strong> If you only compare one factor, it should probably be this one! Aim to keep the overall cost as low as possible, while ensuring the repayment schedule is affordable.<\/li><li><strong>Interest rate.<\/strong> One of the biggest factors to look at is the APR that\u2019s offered. Your credit score, the amount you want to borrow, your ability to repay and the loan term can all impact this figure. Don&#8217;t forget that the advertised &#8220;representative APR&#8221; may not be awarded to all applicants. Lenders typically tailor rates to the individual.<\/li><li><strong>Available loan terms.<\/strong> Typically your loan term will be dictated by how much you&#8217;re borrowing and how much you can afford to repay each month. Broadly speaking, the longer you borrow, the more expensive the loan, but realistically it can be necessary to spread larger loans over longer terms.<\/li><li><strong>Turnaround time.<\/strong> Some lenders are able to get you the funds on the same day that you apply, but these lenders may not have the best rates. Consider carefully whether you really need to prioritise speed over savings.<\/li><\/ul><h3>I want better rates and terms on a loan. How can I improve my credit?<\/h3><p>Some of the main factors determining your credit score are your payment history, your credit utilisation, how long you have held credit, the type of credit used and your number of credit searches. To repair your credit, keep in mind the following factors:<\/p><ul class=\"list-10 has-margin-bottom\"><li><strong>Start small.<\/strong> If you&#8217;re going to have to pay a higher rate of interest than those with better credit scores, it might make sense to start with a smaller sum over a shorter term, so that you can prove to a lender that you&#8217;re trustworthy. Then, next time, you should be able to score a better rate.<\/li><li><strong>Save regularly.<\/strong> By demonstrating that you can put aside even a tiny part of your regular income, you will demonstrate that you&#8217;re financially responsible.<\/li><li><strong>Reduce your debt balances.<\/strong> Lenders will also consider your credit utilisation ratio \u2013 that&#8217;s how much of your available credit that you&#8217;re actually using (your debt compared to your total credit). Simply moving your balances around will not actually change your utilisation rate. It&#8217;s often easier said than done, but reducing your level of debt overall will naturally make you more appealing to a would-be lender.<\/li><li><strong>Don\u2019t necessarily close an unused credit account if you don\u2019t have to.<\/strong> Closing an account can actually have a negative effect on your credit utilisation rate. Provided that there are no ongoing costs to do so, and provided you resist the urge to use it, it could be worth keeping an unused credit account open.<\/li><li><strong>Avoid applying for lots of loans or credit cards.<\/strong> Nothing looks more desperate to a potential lender than a multitude of loan applications in a short space of time, especially if none of the applications result in an account being opened. Use &#8220;soft search&#8221; facilities to check whether or not you will be approved for credit without affecting your credit score.<\/li><\/ul><p>As an aside, if you&#8217;re not on the electoral roll, it&#8217;s worth registering with your local council, as CRAs will check this too.<\/p><h3>Bottom line<\/h3><p>Your credit score can affect your ability to get a loan, with interest rates, terms and eligibility all at least partially dependent on your credit score. It\u2019s important to know not only what your score is, but also how your actions influence it.<\/p><p>When you\u2019re looking to take out a loan, make sure it\u2019s both what you need and something that you can financially handle. If you can\u2019t make timely payments, you could damage your creditworthiness and hurt future attempts at financing. Shop around, do your research, ask for advice from an expert or even a trusted friend, and make sure you sleep on any big decisions.<\/p><p>There&#8217;s a decent spread of loan companies out there serving all sectors of the market. All of them must only practice <strong>responsible lending<\/strong>, however, which means that they should consider factors like your income and outgoings so that they don&#8217;t offer loans likely to lead to financial difficulty.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">There\u2019s something wrong on my credit report. Can I dispute it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. If you believe you&#8217;ve found a discrepancy, contact the credit reference agency that the report came from to request an amendment.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">I need to get a loan, but I don\u2019t qualify on my own. Now what?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Some lenders offer the ability to include a guarantor on your loan, who will typically need good credit. If you can find somebody suitable, you may be able to take out the loan you need.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What are standard repayment terms for loans for people with fair credit scores?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Repayment terms can vary widely between lenders. Some short-term loans have repayment terms as short as a few weeks, while more traditional personal loans can span seven years or more.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Do loans for fair credit come with fees?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">It&#8217;s increasingly rare to find &#8220;application&#8221;, &#8220;setup&#8221; or &#8220;product&#8221; fees in the world of unsecured personal loans. When you&#8217;re comparing loans, if in doubt, you can focus on the overall cost, which will take into account this type of charge.<\/p><p>Late payments can result in a penalty fee, and <em>will<\/em> result in additional interest and damage to your credit score.<\/p><p>Fees for early repayment are also rare, however it&#8217;s fairly standard to be charged up to two months&#8217; interest on any sums repaid early, beyond the date on which the overpayment was made.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can I improve my credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are several things you can do to <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/improve-your-credit-score\">improve your credit score<\/a>. For example, consolidating your debt and paying your bills on time are steps you can take to get your credit score up.<\/div>\n  <\/div>\n<\/li><\/ul><h3>How different factors can affect your credit score<\/h3><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   #\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   A\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   F\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#G\"> G <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#I\"> I <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   M\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   N\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#O\"> O <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   R\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#U\"> U <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr\/>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/paid-in-cash-credit-score\"> Being paid in cash <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/benefits-credit-score\"> Benefits <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/business-credit-cards\/can-a-business-card-affect-my-personal-credit\"> Company credit card <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/council-tax-arrears-credit-score\"> Council tax arrears <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/ccjs-credit-score\"> County court judgements (CCJs) <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/cash-advance-credit-score\"> Credit card cash advances <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/debt-consolidation\/debt-consolidation-credit-score\"> Debt consolidation <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"G\" class=\"az-listing__header\">\n                G\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/gambling-credit-score\"> Gambling <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"I\" class=\"az-listing__header\">\n                I\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/iva-credit-score\"> Individual voluntary agreement (IVA) <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/loan-applications-credit-score\"> Loan applications <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"O\" class=\"az-listing__header\">\n                O\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/other-people-credit-score\"> Other people <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/overdrafts-and-your-credit-score\"> Overdraft <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/parking-tickets-speeding-tickets-credit-score\"> Parking tickets or speeding tickets <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/payday-loans-credit-score\"> Payday loans <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/student-loans-affect-credit-score\"> Student loan <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\/switching-banks-credit-score\"> Switching banks <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"U\" class=\"az-listing__header\">\n                U\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/credit-score\/utility-bills-credit-score\"> Utility bills <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>If your credit score isn&#8217;t spotless, you still have options when it comes to borrowing.<\/p>\n","protected":false},"author":195,"featured_media":142869,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[],"asset_tag":[],"class_list":["post-138957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Loans for Fair credit scores | Compare 2026 rates | Finder UK<\/title>\n<meta name=\"description\" content=\"Learn what defines a fair credit rating, which lenders offer fair credit loans and how to get the best rates. 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