Welcome Loans Home PageAbout Welcome LoansApply OnlineUnsecured LoansFrequently Asked QuestionsContact Information for Welcome Loans

Welcome Loans Ltd - Licensed Credit Broker

Professional loan broking service for personal loans

Welcome Loans Ltd is one of the leading credit brokers in the UK. We process thousands of personal loan applications each month, making us one of the largest credit brokers in the UK. By applying to our service, we can help take the hassle and length of time it takes to find a lender away, giving the customer piece of mind. Our broking service can also be completed online to make things a bit easier for our clients. Some of the lenders we work with can also help people who have had CCJs or defaulted on a credit payment in the past.


REPRESENTATIVE APR: 49.9% Representative Example: Borrow £1000 and pay £54.05 per month for 36 months. The total charge for credit is £945.88. The total repayable is £1945.88.

Why choose us?

  • We can help both tenants and homeowners
  • We are licensed credit brokers
  • We help thousands of customers every month
  • Wide range of products and services

Quick Apply


  • We help thousands of people
    every month
  • Fully licensed loan broking
  • We can help both homeowners
    and tenants
  • We have a wide range of
    exclusive services
  • Our lenders can help people
    with CCJs and defaults
  • Unsecured Loans
  • Bad Credit Loans
  • Tenant Loans
  • Car Loans
  • Consolidation

Unsecured Loans

Unsecured loans are the most common type of loan as they do not use your home or any other asset you own as collateral. There is a massive choice of unsecured loans available, from high street lenders to the smaller ones you probably don't know exist, the bigger, more common lenders on the high street generally have the best APR rates, but there acceptance criteria is usually fairly strict and they usually only lend to people with a good credit history that they know will have no late or missed repayments.

If your credit history is bad or adverse and suffers from CCJ's and defaults then we can still find you an unsecured loan regardless of your circumstances. Many unsecured loans now have flexible repayments which can be beneficial.

Read more about Unsecured Loans

Bad Credit Loans

Bad credit loans, or sub -prime loans are for applicants that have been refused credit, due to having a bad or adverse credit history. This could be down to having county court judgements (CCJ's) or defaults on their credit agreements. Generally with bad credit loans the APR rate is higher than a typical high street lender, but unlike a high street lender the acceptance policy is far less strict.

A lot of bad credit loans are unsecured, so the loan terms are more flexible and you will not have to put your home at risk. A bad credit unsecured loan is best suited to applicants who have been refused finance elsewhere by banks and other high street lenders and can be the perfect choice for those who have been refused finance.

Read more about Bad Credit Loans

Tenant Loans

Tenant loans are specialist unsecured loans designed for people who do not own their own property. There are many types of tenant loans to choose from and these loans can be found for people with a good or bad credit history.

A tenant loan can generally be used for any purpose. Tenant loans are designed for council tenants, private renters, housing association tenants and also for people who are living at home with their parents. Because the tenant loan is unsecured, you will never have to secure it against a property of any type.

Read more about Tenant Loans

Car Loans

Among the hundreds of different lenders we use there are also specialist car loan lenders. Many of these lenders will lend you money for your car on an unsecured basis. However there are also companies who may lend you more if the car you want is expensive but on the basis the loan is secured against your car. This type of loan is typically called a 'logbook loan'.

If you have a good credit history the best option for you would probably be a high street lender or an independent car finance lender. If you have bad credit we can still find you a lender as there are many specialist car lenders who deal with people with a bad credit rating, the APR will be higher however than that of a high street lender.

Read more about Unsecured Car Loans

Debt Consolidation Loans

If you have multiple loans and credit cards it can become difficult to keep control of your debts as you may feel everything is getting out of control. The best answer for you is probably a debt consolidation loan.

You can use a debt consolidation loan to pay of all your current loans and credit cards and get one affordable monthly repayment which could work out cheaper than what you are currently paying. The rate which you are given is ultimately dependant on the lender however.

Read more about Debt Consolidation Loans