Why Traditional Lending Isn’t Always an Option — and How Our Personal Loans Offer a Fairer Way | 1Plus1Loans™

Getting approved for a loan shouldn’t be a struggle, but for many people in the UK today, it still is. Whether you rent your home, have irregular income, or are rebuilding your credit after a difficult period, traditional lenders don’t always look at the full picture.

At 1Plus1Loans™, we offer a different kind of borrowing experience. Our personal loans are built for people who need flexibility, transparency, and a fairer deal. With our unique Rate Drop™ feature, we reward on-time payments by automatically reducing your interest rate over time, something most lenders never do.

Why Traditional Lenders Often Say No

Most banks and high street lenders rely heavily on credit scores and rigid eligibility criteria. That means even responsible people can be declined for:

• Having a limited credit history

• Previously missed payments

• Being self-employed or on variable income

• Not owning their home

• Earning less despite managing money well

If that sounds familiar, a personal loan from 1Plus1Loans™ could be a better way forward.

Personal Loans That Work for Real Life

We offer personal loans from £1,000 to £10,000 over flexible terms of 12 to 60 months. There’s no need for a guarantor, and decisions are based on your current situation, not just your credit score.

Our goal is to help you borrow in a way that’s fair, manageable, and built around your needs.

What Is Rate Drop™ and How Does It Work?

Rate Drop™ is simple. Make six on-time payments and your interest rate drops automatically.

• Make six on-time payments and your rate drops

• Make another six, it drops again

• If you miss a payment, your rate won’t go up, but the counter resets

No forms. No negotiation. Just straightforward borrowing that gets more rewarding over time.

Who Are Our Personal Loans For?

Our personal loans could be ideal if:

• You’ve been turned down by traditional lenders

• You don’t want to involve a guarantor

• You’re renting or living with family

• You want to consolidate debt or cover essential costs

• You want to save money by paying on time

Why Choose 1Plus1Loans™

• No guarantor needed

• Transparent, fixed repayments

• Rate Drop™ rewards you for good payment history

• Affordable terms based on real affordability

• Quick, online application with real people behind it

Take the First Step

Access to credit should be based on where you are now, not where you’ve been. If traditional lenders have said no, our personal loans could offer a better option.

✅ Apply online in minutes

✅ No guarantor required

✅ A fairer way to repay

👉 Apply now or call us on 0330 1200 313