With bad credit, you can usually still acquire a short term cash loans, but you might only have a few lenders and loans to select from. A solid credit rating and a history of making on-time, full repayment of loans are preferred by most lenders. This does not imply that your application will be turned down if you have a poor credit history or a history of financial difficulties. Before making a choice, lenders will check your credit. They will consider your prior payments, current debt, and credit usage in addition to your credit score. If you have poor credit, the loan could cost extra. For short term loans UK direct lender , the interest rate or APR is typically higher. This is due to the possibility that lenders may view you as a hazardous borrower and raise the debt's interest rate in an effort to protect them. The affordability of the loan for you will also be determined by the lender, who will take into account your income and spending. Checking your credit score is a s...