We work hard to find suitable lenders for people who have a poor credit history, or who are in debt. Depending on your circumstances, getting a loan might be a sensible option in helping you consolidate or manage your debt. If your credit history is poor, it is important to be honest and provide accurate information on your application. This will enable the lender to provide a fair assessment of your circumstances.  Having a poor credit history does not mean that you will be declined for a loan. There are many lenders in the market who specialize in providing loans to people with adverse credit records. If you are struggling to repay your debt, we strongly suggest that you seek advice to enroll in a debt management plan.