Warning: FocusLoans will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan

Who is Focus Loans?

Focus Loans is renowned direct loan lenders who offer short-term loans in the UK to fund your unforeseen expenses when you have run out of money. Contrary to traditional money lenders, we accept applications from bad credit borrowers too. Our aim is to help as many borrowers as possible who are in need of financial support.

You can trust us to get tailor-made loan deals that will not affect your financial balance. We are committed to offering you according to your loan affordability and nothing beyond that. Whenever you feel financially disturbed, you can approach us. We help you a lot.

A Direct Loan Lender with Low-Cost Loans? Yes, We Are

FocusLoans responsibly offers loans according to the income capacity of the aspirants. We are counted among those private loan lenders in the UK who bring funding to the reach of their clients. We deal only in online loan applications, away from paperwork and legwork.

Approaching mainstream lenders may not be possible with having a poor credit score. Still, it does not imply on us. We are a specialist lender offering private loans for bad credit people. We can ensure you provide these loans at the competitive rates.

In fact, we have personalized deals for those who have very poor credit rating. We offer very bad credit loans with no guarantor at competitive interest rates. We manage to lend money at lower interest rates than other direct lenders in the UK.

Similarly, the jobless people also have the wish for getting the loans on the guaranteed acceptance. Based on their affordability and repayment capacity, we have provided them with one of the best platforms of money lenders in the UK where they can seek adequate funding.

An ‘All-Round’ Private Loans for Bad Credit

For other lenders, bad credit is like an obstacle in approving the loan application. At FocusLoans, bad credit is like an opportunity to help needy individuals during the critical financial period.

You can reckon us as one of the responsible direct lenders offering private loans for bad credit people. The primary reason is obvious, i.e. our flexible lending policy.

We are not stringent on your past credit performance. Instead, we are soft to your present financial commitments. If you have recently performed well in paying all the debts, you can have guaranteed loan acceptance from us.

We focus primarily on offering affordable loan deals where the amount is disbursed according to the individual’s capacity. Many more loan features can be as follow:

Focus Loans offers loans without brokers fees

Focus Loans is a direct lender, not a broker and hence all loans that we offer are called loans without brokers fees. We do not charge any fees. You simply have to fill in the application form and if we approve your application you will get the loan at once.

Focus Loans do provide guaranteed loans for the unemployed

Losing the job does not mean being disappointed all the time. Opportunities are there, and we bring those to your favour instantly. We are already prepared to fund you until finding new employment.

You may need money to fund unforeseen expenses when you are out of work. In this scenario, you will need to apply for loans for the unemployed. Focus Loans provides these loans at competitive interest rates. These small loans can help you fund financial emergencies during unemployment.

Our Services

Unsecured Personal Loans

Want instant funding to meet personal ends? Our unsecured personal loans offer exactly to you.

Loans for Unemployed

Don’t allow financial crisis after a job loss. Keep the flow of cash continue to your bank account.

Loans for Bad Credit

Do not worry if you stay behind your credit score. It is time for significant improvement.

No Guarantor Loans

Hold alone the responsibility of loans and the repayments. We make everything easier for you.

Small Business Loans

Nurture your small business to achieve large goals. We instantly fund your business requirements.

Bridging Loans

Do not let the financial gap in purchasing your liked property. Just go on to your proceedings.

Loans for Tenant

Are you living on rent? You are a pre-eligible borrower to avail personalised loan deals.

Private Lender in the UK Brings Loans for Any Age

FocusLoans focuses on everyone’s financial upliftment. We are here for all, whether you are unemployed or struggling with the unwanted issue of bad credit.

If you are living in the UK and having the age between 18 years to 70 years, then our loan deals have exceptional advantages for you, such as:

Bespoke Loan Offers

There are not many loan options out there where the final terms and conditions are decided according to the borrowers’ financial status. We follow this policy to ensure everyone gets benefits from our tailor-made loan offers.

Loans for Any Purpose

Do you need extra funding to meet the personal ambition? Do you need quick funds to manage sudden business expenses? Whatever your financial purpose is, we are here to fund your requirements.

No ‘Third Party’ Interference

People of any age can directly contact us anytime for having timely financial assistance. No broker is needed to approach us, as we have a widespread online presence all over the UK.

Whom Do We Lend?

We believe that anybody may fall in financial emergency regardless of their credit history. We lend money to both good credit and bad credit borrowers. Our borrowers are divided into two categories:

First-time borrowers Existing Borrowers

It includes those borrowers who have no credit history.

  • No credit check
  • Income serves the basis for decision-making
  • Disbursal amount is up to £10,000

It includes those borrowers who have applied for a loan with us before.

  • Soft credit check
  • Special discounts on personal loan lenders during festive season
  • Disbursal amount is up to £15,000

Why choose us?

Focus Loans is different from traditional private lenders because we use modern lending technology. Here are some of the benefits of applying for loans with us.

1. Easy application procedure

We are quite away from tedious paperwork to get loans. Instead, everything is online here that presents quick financial solutions.

2. Flexible lending policy

The main benefit that we provide is flexible lending. Unlike conventional lenders, we are more in favour of helping people through any means. We try our best to provide personalised loan deals.

3. Minimum documentation

We follow online lending procedure and hence we never require you to get into the hassle of paperwork. After initial-stage approval, you just need to submit your income statement and nothing else.

4. No obligations

All our short-term loans come with no obligation, which means you do not need to arrange a guarantor, nor collateral even if your credit score is not stellar.

Why choose us?

Eligibility For Applying For Personal Loans From Direct Loan Lenders

Our primary goal is to fulfil your financial needs during an emergency. This is why we follow simple eligibility criteria.

Step 1

You should be over 18.

Step 2

Only UK residents can apply.

Step 3

A bank account must be functional.

Step 4

You should have a full-time job
(a side gig if you are unemployed)

People with good credit scores are always welcome, but equal opportunity is also provided to borrowers with poor credit. Focus Loans creates a chance for them to improve their credit ratings and recreate more funding opportunities in the future.

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