Understanding Our In-depth Loan Services

With 20 years of experience and a wide selection loan products, Positive Finance Solutions is an established provider of both Personal & Commercial Business loans for consumers from all backgrounds globally, obtaining money for you that can be used for almost any purpose. We make sure we find the most suitable and lowest rate loan for your individual circumstances. We realise that everyone has a unique scenario, so whether you are looking to consolidate your debt , or need a loan for your business, commercial and personal needs - we adopt the same proven process.Loans Personal Whether you are seeking £4,000 or need to find £400,000,000.00 GBP to achieve your goals you are equally important to us. Should you actually be looking for a personal/project loan for a specific purpose, we even have access to those lending solutions too.

Firstly call us from a landline on 443300010631, alternatively fill in our 60 second on line enquiry form (don`t worry no credit search is carried out for our application) and our in house advisers will talk through what you require confidentially. You can then be provided with a free no obligation personal quotation giving you the facts and figures so you can decide whether the offer works for you. All loans are subject to status. After that, when and if you want to go ahead with our loan offer just tell us and we will process your loan from enquiry to completion,leaving you to spend the equity you have released however you please (subject to the approval), whilst offering support throughout

What Can Our Loans Be Used For?
Starting your dream Business
Buying your first house or flat
Moving from one home to a new one or even buying a second home to rent out
Carrying out home improvements (Conservatory, Extension, Kitchen, etc)
Taking a dream holiday
Debt consolidation of multiple credit to ease cashflow
New car, motorbike or caravan.
Special occasion; such as a wedding or other celebration
Tuition fees, university charges or course costs
Starting or Investing in a project
For urgent personal needs
Almost anything else you may require a loan for.

Positive Finance Solution is one of the UK`s longest established finance companies, this means we have experience in giving you a quality service you deserve. We even offer a Brokerage Service Should we not be able to help you directly with a loan. This alternative gives us the flexibility to try and help people who have been refused a loan in the past. Even if you are unfortunate enough to have incurred County Court Judgements (CCJ`s), missed payments on existing debts, defaulted credit cards or even mortgage arrears please enquire online or give us a call as we will always try out best to help.
What Loans We Offer?

Unsecured Loans
Personal Loans
Peer to Peer Lending
Long-Term Loans
Cash Loans
Instalment Loans
One repayment Loans
Business Loans
Short-Term Loans
Bad Credit Loans

Understanding Unsecured Loans
If you've ever gone in search of a personal loan, the chances are your results included the term “unsecured loans.” To understand exactly what an unsecured loan is, it helps to understand its counterpart — the secured loan. Secured loans are personal loans wherein the lender requires that the borrower possess “assets” as collateral. These assets — essentially any property that’s considered to be of adequate value, like cars or a home — can be seized by the lender in the case that the borrower isn’t able to repay their loan in full.
On the other hand, an unsecured loan is a loan in which the lender doesn’t require security on an asset or assets from the borrower. While the borrower is typically required to go through the same application process, the lack of collateral with an unsecured loan makes it a very different beast from a secured loan.
Because unsecured loans don’t provide the lender with equivalent assets, these loans are considered a higher risk for the lender. This is why unsecured loans tend to have higher interest rate than secured loans — the higher the risk, the less likely that lenders will be willing to lend at a low interest. By increasing the amount that a borrower will have to pay on top of the loan amount, lenders can balance the greater risk inherent to an unsecured loan.

Understanding Personal Loan
At its most basic level, a personal loan is money borrowed from a lender, with the intention of being repaid in the future. Personal loans tend to be taken out by those in need of funding for their own personal needs, which can be extraordinarily varied. For many, the need for a personal loan can come in an emergency, such as a tree branch breaking the roof, a flooded cellar or a broken down vehicle. For others, a personal loan may be needed for sudden, unplanned bills. There are individuals who recognise a need to make improvements to their home, and will take out a small personal loan to cover those expenses in the short term, because they’re comfortable paying them back over a longer term. Even mortgages and car loans fall into the category of personal loans.

Understanding Long-Term Loans
Plenty of people find themselves in need of extra funds, without a clear idea of the best way to get them. There's no shortage of lenders offering fast funding, and it's easy to find yourself taking out a loan without really considering the details. Understanding complex loan concepts like secured versus unsecured, or instalment loans versus single-repayment loans can go a long way towards finding the right loan for you, which is incredibly important for anyone borrowing funds.
As for "long-term loans," let's start by defining the term. First of all, understand that "long-term" doesn't indicate any specific length, but instead refers to loans ranging anywhere from one year to as many as 10, 20 or even 30 years. This is a key aspect of searching for a "long-term loan," because you'll need to be specific about the length of time that works for you. If you know that you want to repay a loan over a year, yet go on the hunt simply for a "long-term loan," you'll probably encounter loan options for far longer than a year.
Ultimately, the length of a loan depends entirely on the lender, as do the loan's rates and terms; the loan amounts available; and a variety of other details you'll need to consider.

Understanding Short-Term Loans
For anyone who has thought about taking on a personal loan, it's no secret that there are many options to choose from. Before even applying, a potential borrower has to sift through options like unsecured loans vs. secured loans, and decide if they should take an installment loan or a loan with just one repayment. A helpful place to start is understanding precisely what a "short-term loan" is.
It's important to understand that short-term loans can have various repayment terms. More often, short-term loans last between 30 and 90 days, and rarely more than a year. The length of a short-term loan depends entirely on the lender, and while many short-term loans may result in just one repayment date, some short-term loans are installment loans, that are repaid over time in a series of repayments.
Like any loan, a short-term loan will include some amount of interest repaid to the lender. This is a pre-arranged amount, and is typically stated in advance as an APR. This APR is used to determine the cost of the loan.

What is an Installment Loan?
At its core, an instalment loan is just like any other loan — a borrowed sum of money that is repaid with interest added on top of the initial loan value. Interest rates, loan amounts and loan terms can all vary from one lender to the next, and installment loans can be either secured or unsecured. So the question becomes, how is an instalment loan different from a short-term or other type of loan?
There is not really a universal distinction between an installment loan or a short term loan as a short term loan may be repaid in instalments. However, many short-term loans have a single repayment date. While this may seem like a simple distinction, the truth is that having a series of payments makes it a different kind of loan.
An example of this lies in the typical length of a short-term loan versus an instalment loan. Because installment loans come with a series of repayments, they are typically repaid over a longer period of time than a short-term loan. Oftentimes, these longer loan durations are coupled with a higher loan amount and, in certain cases, a lower interest rate (note: having a lower interest rate does not mean the total cost of credit is necessarily lower). This has to do with a number of variables, including the lender, the loan type, the loan amount, and perhaps most significantly, the borrower's credit history.

Understanding Bad Credit Loans
First, let's talk about the name.
There's no such thing as a "bad credit loan." There are a few reasons for this, but let's start with the phrase "bad credit," an ambiguous description that doesn't provide any real information about an individual's credit. The term "bad credit" tends to be used any time an individual's credit is less than perfect, but it's important to understand that your credit report is quantified not with monikers like "good" or "bad," but with a number. While this number provides creditors or lenders with a more specific idea of your credit standing, even this isn't the whole story, as different reporting agencies have different rating scales.
Another reason bad credit loans can't truly be called a loan type, is that lenders aren't really offering something called a "bad credit loan." While some lenders may target individuals with less-than-perfect credit, this doesn't mean that a bad credit loan exists nor does it mean that the lender will offer loans to everyone regardless of their credit rating, only that there are loans for individuals with less-than-ideal credit. This may seem a minor distinction, but one of the first questions a potential borrower should ask is, "What kind of loan do I need?" and the answer shouldn't be (and, as we've seen, cannot be) "A bad credit loan."

Moving Forward with Less-Than-Perfect Credit

Plenty of people have found themselves at one time or another with less-than-perfect credit. Oftentimes these individuals find that their flawed credit keeps them from accessing certain loan types, or may lead to less favorable loan terms. Whether it's due to an accumulation of debt, missed utility payments or something else altogether, having an imperfect credit score is not only a common problem, but doesn't necessarily preclude an individual from finding the emergency funding they might need. Particularly if the individual has worked diligently to get their finances back on track, they may find that there are a number of options available to them.
Having flawed credit should change the way you approach a loan, and anyone with poor credit who is considering a loan needs to understand that if they don't repay on time and in full, their credit could end up worse than it was before they took the loan, depending on how exactly the lender chooses to report non-repayment.

Debt consolidation loans
If you’re repaying multiple existing debts each month, you could use a debt consolidation loan to make the payments more manageable.
By using a loan to consolidate your debts, you could:

Replace your multiple repayments with one easy-to-manage repayment each month
Reduce the amount you pay
Free up money for other purposes

Get a quote for a debt consolidation loan today and see what your monthly repayments could be.
Remember, as you’ll be repaying your debt over a longer period, you could increase the amount of interest to be paid overall.

Any quotes are always given out for free and you will be under absolutely no obligation to proceed.