The most striking feature of the joint personal loans is that they suit best to those, who have the issue of poor credit score. Suppose if one person has the low credit ratings, then the partner can apply jointly with him and the lender will assess both their credit scores to allow a loan deal.

We are among the most lenient direct lenders in the UK, where the joint application loans are accessible on more flexible terms. The primary loan attributes that you can expect from us are:

Competitive APRs

We decide the rates only after evaluating borrowers’ current financial status.

Easy-to-be-Eligible Loans

We only need proof of UK citizenship, current income, and valid bank account.

98.5% Guaranteed Approval

With joint loans, you have less chance of loan rejections because joint credit scores ensure this.

How can joint loans benefit you in a financial mess?

Several people living in Britain apply here to get the necessary funding after facing rejections from the other private lenders in the UK. There is nothing to worry even if you have blemished credit report or multiple pending debts to clear.

With less-than-perfect credit score, making joint loan application with a near or dear one increases your chances of loan approval. Here are the loan benefits that attract you:

Online Loan Application: We offer joint loans online with no hassle of presenting too much paperwork. You only need to sit at your living place or office to apply on our website. A few personal details that you need to fill in the form and submit it.

Make your chances stronger: Applying through the joint application can increase your chances of loan approval. If your credit score is not satisfactory, then you can fill the gap with your partner’s scores. The joint scores will bring guaranteed loan approval for you.

The approval also comes through joint incomes: Suppose both of your credit scores are not up to the mark, we can accept the income of both of you as the factor of loan approval. In such a case, we bring an additional benefit for no guarantor is needed to obtain joint unsecured loans on instant decision.

Do joint personal loans come in varied forms?

Yes, as we have the variety of personal loans, we do have varied joint unsecured loans for our prospective borrowers. No matter whether you are a tenant or living as a homeowner, you can quickly qualify for the loan deals low credit rating. Continue to read below and know the loan varieties.

For Wedded Couple
Yes, our tally of loan products also includes joint loans for married couples people. They can join each other to apply for a joint wedding loan here alongside their credit scores and get the acceptance. Whether you need to fulfil mandatory financial requirements or to buy something, these loans will bring the money for you.

Home Improvement
Is your home needed a little renovation or a significant improvement in the kitchen or bathroom? Do it with no worry about the funds. A bespoke deal on the joint loan arranges the desired funds into your bank account. Apply now, get the money and make home improvement.

For Debt Consolidation
Are your finances feeling over-burdened with multiple debts? If yes, then the time is to apply for our joint loans for debt consolidation. These funding sources are available on easy repayment terms, and you can pay all your debts into one go with one fixed interest rate to pay.

What provisions do I have on joint loans for bad credit?

Credit score is the significant factor in the loan approval process. A good credit score welcomes the guaranteed loan acceptance while a poor credit demolishes the chances. In the scenario of financial crisis, such situations bother the individuals with not so good credit score. Thus, they look at the direct lending market to avail the funds.

As a responsible private lender in the UK, we do not disappoint them. More surprising to them is the special-made loan deal for them, which comes as unsecured joint loans for bad credit people. Providing the loan guarantee in the form of collateral or guarantor is not mandatory at all.

We have made two significant provisions for the borrowers with the weak credit report. With more precision, we have made provisions according to the people with NO CREDIT HISTORY and people with POOR CREDIT RECORD.

Borrowers with No Credit History Borrowers with Bad Credit History
  • They avail the loan deals with no credit check policy.
  • The borrowing amount has the limitation from £1000 to £5000, as they apply for the first-time.
  • They can use the amount for any of the personal purpose or financial emergency.
  • you can obtain funds with going through a worry-free soft credit check.
  • They can borrow from £1000 to £15000, as they have pre-registered with us.
  • Funding is available for both personal and business purposes and urgencies.

Why is Easycheaploan special for the best joint loans?

Joint personal loan for people with bad credit, married couples and debt consolidation are enough to describe our efficiency at the UK marketplace. Wait…this is not the end; instead, this is the beginning. We have more for your financial favour, such as:

  • We are ready to accept the applications where more than 2-3 people are making joint applications. However, they all must be equally responsible for repaying the amount;
  • Loans are also available for the unmarried couples, but again they must agree to all the loan terms unanimously;
  • Unlike other direct lenders, we accept the joint loan application of students and their parents so that they can pay their tuition fees during tough times;
  • Despite making efforts to offer loans with no guarantor, we also have arrangements on joint guarantor loans, especially for the commercial purposes.

Waiting for too much can only delay your loan chances. Grab the opportunity by applying for our joint loans and improve not only your finances but also the partner’s and your credit scores. Submit your application here…


Can a couple apply for a joint loan from a direct lender?

Yes, a couple can well eligible to seek a joint loan from a direct lender like us. These loans are specially designed such that one can apply with a co-borrower, even if the person is your spouse. In fact, it is beneficial as you both trust each other and work hard together to make repayments on time. However, it will be best if one of you has a good credit score and earns a stable income.

Who is eligible to apply for joint personal loans?

There are no strict qualifications needed to be eligible for joint personal loans. Still, there are some general conditions for both primary and secondary borrowers, such as:

  • You must be above 18 years of age;
  • You both should be the residents of the UK;
  • You must be earning a stable monthly income (at least one of you should have a full-time job)
  • An active bank account of one of the borrowers
  • There should be no bankruptcy or default charges for the last 3 years

Do we need to submit any special documents to apply online?

Joint loans online do not require any specific document to submit. We just need the income proofs of both borrowers and at least one of them. You can share your credit report and your partner if you have one, but we do not make it mandatory. Sharing it can be helpful in preparing an affordable loan for you, which should be manageable from your monthly income.

How long will I get approval on my joint money loan?

If you have applied for a joint money loan at EasyCheapLoan, then you do not have to worry about the loan approval. We are known for instant loan approval and same-day fund transfer. Yes, we work 100% online and keep loans far from unnecessary paperwork. It allows us to consider your loan request early and approve it on the same day.

What amount can I get on joint loans?

We provide a borrowing limit from £1000 to £50,000. However, the loan amount will be fixed after analysing the individual circumstances and capacity.. We suggest you first consider your actual funding needs and then make a decision on the loan amount, which you can repay easily alongside the interest rates. Still, you can use the loan amount for both personal and business uses.

What will be the repayment terms?

For joint loans, we have kept the loan repayment terms from 12 months to 60 months. Unlike other direct lenders in the UK, we give you the freedom to choose your comfortable term in which you can make all repayments on time. Apart from that, you can repay the borrowed amount in weekly, fortnightly or monthly repayments.

Can we make advance repayments?

Yes, we do not mind if you want to make advance repayments, and in fact, it will be good for your credit scores. Making advance repayments will also help you reduce the total interest rates and save you money a lot. However, we suggest you take this step only when you are 100% sure about the advance repayments, as it should not hurt your monthly budget.

Will there be any fees or charges on joint loans?

Applying for a joint personal loan at EasyCheapLoan will be beneficial for you because we do not charge any upfront fee or surprising costs. We have a minimal establishment fee and affordable interest rate on every loan, which you will receive in the initial loan quote. Once you approve the quote, the loan pricing will remain the same.

What purpose can I use joint personal loan for?

Like any other personal loan, you can use a joint loan for any financial purpose. Since these loans are jointly applied, you have every chance of fetching larger funding for a longer duration. It means you should apply for these loans for significant financial goals, or it may include:

  • Purchasing a car
  • Buying a new home
  • Holidays
  • Study expenses
  • Financial emergencies

Can I use joint money loan to consolidate my debt?

Yes indeed. You can use these loans for debt consolidation. It is a good practice because you get the opportunity to merge all your debts into a single loan and pay only one interest rate. It is much cheaper option and can save money for you. The best part is that you can consolidate both smaller and larger debts, ensuring a proper financial balance.

What happens to my joint loan in the condition of divorce?

In such a scenario, there will be two consequences. These are:

  • Your loan will be converted from a joint loan to a single application loan. It means one of you will have to hold the responsibility of repaying the loan.
  • After transferring into a single application loan, the interest rate and repayment terms may change. However, you get the freedom to apply either for an unsecured or secured loan.
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