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Some would be harsh and would take the lower of the last two years income which isnt fair on a new business like yours.

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However, in recent years, many lenders, and even some dealerships with in-house financing, have begun to offer high-risk loans to people with poor credit who don't have a co-signer.

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– Mandatory arbitration and other contract provisions limiting consumer access to justice should be banned.

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It was great to hear that the is joining the council in taking on payday loan companies who charge vulnerable people thousands of percent interest for credit.

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However, the fact is that Ledge helps to create the social pressure on the lender for to pay it back to the borrower.


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She now finds herself in a quandary, as applying for another loan so soon after the Santander one would have a negative impact on her credit score.