I need a loan?

There are three main types of lenders. Prime lenders, Sub-Prime lenders and Loan Sharks. Prime lenders are your usual high street banks or internet banks, sub-prime lenders usually have premises in less prominent locations or will  have agents who come to your door. Loan sharks are unlicensed and will be sourced through a friend of a friend (not reccomended). Prime lenders will have the lowest interest rates whilst sub-prime lenders will tend to be higher. Loans are available for people with a poor credit rating from sub-prime lenders or weekly door to door collection agencies however you will pay a higher interest rate. 

I want a credit card but have a bad credit rating?

Once again credit cards are available for people with a poor credit rating. You may get a card with a low credit limit and a higher interest rate than major banks offer but these companies are willing to take the risk.

(Check out credit file page)

Pre-paid Credit Cards:

You could also get a pre-paid credit card where a credit check is usually not required which will give you the opportunity to use when purchasing via the internet and some offer the facility to pay your salary onto them should you not be able to open a bank account.