Secured Loans from Central Trust
Affordable secured loans up to £250,000, with flexible terms up to 25 years - even if you have bad credit.
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Spotlight on Central Trust
Founded in 1988 and based in London, Central Trust offers secured loans and second charge mortgages to UK homeowners. They focus on providing clear, flexible lending options to help you consolidate debt or finance home improvements at competitive rates.
Loan amounts and terms
Central Trust provides secured loans within the following limits:
- Loan amounts: Up to £250,000
- Repayment terms: 3 to 25 years
- Credit history: Central Trust consider all credit profiles - including CCJs and IVAs
- Applicant profile: Employed, self-employed, pensioners, and those on benefits
- Other costs: As a direct lender, there are no broker fees involved
- Turnaround: 7-10 days where possible
These terms are designed to offer flexibility, meeting various financial needs - whether you're consolidating debt or managing large costs.
Why choose Central Trust?
With decades of lending experience, Central Trust is a proven name in secured and homeowner lending - especially for those who may not qualify with high street lenders.
- Trusted for 35 years: One of the UK's longest-standing specialist lenders.
- Quick, simple process: Apply online anytime or speak with friendly UK-based advisors
- All credit considered: They assess more than your credit, e.g., your equity and overall affordability
Even with CCJs, defaults, or missed payments, you may still qualify for a loan with Central Trust (subject to their underwriting process).
Summing up
Central Trust offers secured loans to homeowners across the UK, with loan amounts up to £250,000 and repayment terms from 3 to 25 years. Their manual underwriting process and flexible criteria make them a strong option for those seeking to leverage their property's equity for various financial needs.
Frequently Asked Questions: Secured Loans
Is a secured loan from Central Trust right for me?
If high street lenders have turned you down, a secured loan from Central Trust might offer a flexible alternative. These loans are backed by property, which often allows for lower interest rates - even if your credit isn't perfect. Just be sure you're confident you can keep up repayments, as you risk losing your home if you fall behind.
Is a secured loan from Central Trust right for me?
If high street lenders have turned you down, a secured loan from Central Trust might offer a flexible alternative. These loans are backed by property, which often allows for lower interest rates - even if your credit isn't perfect. Just be sure you're confident you can keep up repayments, as you risk losing your home if you fall behind.
Is a secured loan from Central Trust right for me?
If high street lenders have turned you down, a secured loan from Central Trust might offer a flexible alternative. These loans are backed by property, which often allows for lower interest rates - even if your credit isn't perfect. Just be sure you're confident you can keep up repayments, as you risk losing your home if you fall behind.
What if I run into trouble repaying my loan?
Missing repayments on a secured loan can put your home at risk, but Central Trust takes a supportive approach. They'll try to help you find a solution - like adjusting your repayment plan - and repossession would always be a last resort. Staying in touch makes it easier to avoid serious consequences, so it's best to contact them early if you're struggling.
What if I run into trouble repaying my loan?
Missing repayments on a secured loan can put your home at risk, but Central Trust takes a supportive approach. They'll try to help you find a solution - like adjusting your repayment plan - and repossession would always be a last resort. Staying in touch makes it easier to avoid serious consequences, so it's best to contact them early if you're struggling.
What if I run into trouble repaying my loan?
Missing repayments on a secured loan can put your home at risk, but Central Trust takes a supportive approach. They'll try to help you find a solution - like adjusting your repayment plan - and repossession would always be a last resort. Staying in touch makes it easier to avoid serious consequences, so it's best to contact them early if you're struggling.
Can I get a secured loan with bad credit?
Yes, Central Trust may be able to offer you a secured loan even if you have a poor credit history - especially if you're a homeowner and have enough equity. While you might pay a higher interest rate, making your repayments on time could help improve your credit score over time. Just be sure the loan is affordable before taking it on, as missed payments can have the opposite effect.
Can I get a secured loan with bad credit?
Yes, Central Trust may be able to offer you a secured loan even if you have a poor credit history - especially if you're a homeowner and have enough equity. While you might pay a higher interest rate, making your repayments on time could help improve your credit score over time. Just be sure the loan is affordable before taking it on, as missed payments can have the opposite effect.
Can I get a secured loan with bad credit?
Yes, Central Trust may be able to offer you a secured loan even if you have a poor credit history - especially if you're a homeowner and have enough equity. While you might pay a higher interest rate, making your repayments on time could help improve your credit score over time. Just be sure the loan is affordable before taking it on, as missed payments can have the opposite effect.
How long does the process take with Central Trust?
Central Trust aims to complete the loan process in around 7 days, with some customers getting their funds in as little as 3. A qualified advisor will contact you to discuss your needs, agree on an affordable monthly payment, and help you complete the paperwork.
How long does the process take with Central Trust?
Central Trust aims to complete the loan process in around 7 days, with some customers getting their funds in as little as 3. A qualified advisor will contact you to discuss your needs, agree on an affordable monthly payment, and help you complete the paperwork.
How long does the process take with Central Trust?
Central Trust aims to complete the loan process in around 7 days, with some customers getting their funds in as little as 3. A qualified advisor will contact you to discuss your needs, agree on an affordable monthly payment, and help you complete the paperwork.
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