Looking for a loan? Credit score holding you back?

High street lenders are making it even harder to get finance - especially if your credit file isn't quite up to scratch.

We want to help - whether you've missed a few payments in the past or have no credit history at all.

With ESCO Loan, you could borrow up to £10,000 - even with bad credit. And you can spend the money on (almost) anything you like!

  • Bad credit? No problem!
  • Weak or no credit accepted
  • Can be used for almost any purpose
  • Easy online application
  • Competitive interest rates
  • Unsecured loans
  • Fast approval
  • Speedy payout
  • Flexible terms to suit you
  • Affordable monthly payments
  • No early repayment fees
  • Start to rebuild credit history

How It Works

We understand that life can sometimes get in the way of finances. And keeping a perfect credit score can be easier said than done.

That's why ESCO Loan doesn't focus solely on your credit score. We focus on whether you can repay the loan, and whether you have a suitable guarantor.

For us, it's about friends helping friends. Lending the old fashioned way - the way it should be.


Find a guarantor


Complete our simple application


Approved? Start spending!

Who Can Be A Guarantor?

Your guarantor can be a friend, family member, or a work colleague - someone who trusts and supports you! They just need to:

They’ll need to:

  • Be aged 21-75 (when the loan's taken out)
  • Live in the UK and hold a UK bank account
  • Have a clean credit file
  • Earn at least £1,000 per month

It's that easy! So what are you waiting for?

Apply Now

We are available for you!