Our Loans
Our Loan Options
At Brantwood Finance, we understand that people may need financial support for a variety of reasons. Whether you are dealing with an unexpected expense or simply need short term financial assistance, we aim to provide clear information about the different loan options that may be available.
We work with applicants from a wide range of financial backgrounds, and our lending decisions are based on affordability and responsible lending principles. Before any loan is approved, lenders will carry out affordability and creditworthiness checks to ensure that repayments would be manageable based on your individual financial circumstances.
Our loan pages below provide further information about the different short term loan options available in the UK, depending on your individual circumstances.
How Our Loans Work
Applying for a loan through Brantwood Finance is designed to be straightforward. Applicants can begin by completing our online application form and providing basic information about their financial circumstances.
As part of the application process, lenders may review your income, regular outgoings and existing financial commitments in order to assess affordability. In some cases, this may involve reviewing bank statements or using secure Open Banking technology to verify your financial information.
The purpose of these checks is to ensure that any borrowing offered would be manageable based on your individual financial situation.
All applications are subject to affordability and creditworthiness checks, and approval is not guaranteed.
Who Our Loans May Be Suitable For
Our loan information pages are designed to help people who may be exploring short term borrowing options in a variety of financial situations.
This may include people who:
Need help covering an unexpected expense
Only require a smaller loan amount
Have experienced credit difficulties in the past
Receive benefits as part of their income
Are concerned about whether a loan would be affordable
Each applicant’s circumstances are different, which is why lenders carry out affordability and creditworthiness checks before approving any application.
Types of Loans We Offer
Explore Our Loan Options
Depending on your individual financial circumstances, there may be several types of loans available. You can learn more about each option below.
Small Loans
Small loans are designed for people who may only need to borrow a limited amount of money to help cover essential or unexpected expenses.
These loans are often used for costs such as household bills, emergency repairs or other short term financial needs.
Learn more about our Small Loans here.
Loans for Bad Credit
Some applicants may have experienced financial difficulties in the past which have affected their credit history. Certain lenders may consider applications from individuals with adverse credit histories by assessing their current financial circumstances.
Learn more about our Loans for Bad Credit here.
Loans for Applicants with CCJs
Having a County Court Judgment recorded on your credit file may make it more difficult to obtain credit from some lenders. However, some lenders may assess applications by considering both past credit history and current affordability.
Learn more about our CCJ Loans here.
Loans for People Receiving Benefits
Some applicants receive benefits as part of their income. Certain lenders may take regular benefit payments into account alongside other financial information when assessing affordability.
Learn more about Loans on Benefits here.
Loans Based on Affordability
Affordability is an important part of responsible lending. Some lenders may review income, outgoings and existing commitments when determining whether repayments would be manageable.
Learn more about Loans Based on Affordability here.
Responsible Lending
All loan applications are subject to affordability and creditworthiness checks. These checks are designed to help ensure that any borrowing offered is suitable and manageable based on the applicant’s financial circumstances.
Borrowing should only be considered if you are confident that repayments can be made in full and on time.