Loans without GFI and bailiff – offer overview

It is not easy to find a company that will lend funds to a person in a bad financial situation. We checked which lender would accept a client with a bad credit history.


Which company will borrow despite bad GFI or bailiff?



Companies offering non-bank loans, due to the specifics of their business, accept many clients who would not be loaned by any bank or credit unions.


However, you must be aware that non-bank lenders also have some restrictions on acceptable risk. Most of these companies will not lend funds to an applicant who has a bad credit history at GFI or problems with a bailiff.


Thinking about indebted readers, we decided to check which loan companies present a different approach to clients with financial problems.


Only a few loan companies have an offer for a risky client.



Companies that stand out with a liberal approach to risky clients can be found in our monthly installment loan rankings. The table below provides information on such lenders who are more forgiving than their competitors.


Noteworthy is the Honest Bank company’s offer. This lender provides a high limit on the loan amount (USD 25,000) and offers one of four repayment periods (1 year, 2 years, 3 years or 4 years).


The Honest Bank offer is for those customers with a bad credit history who have a guarantor. The guarantor must be a person with proven creditworthiness, who has additional own property.


Loan The company accepts customers with a negative credit history



1. Honest Bank – loan amount from USD 2,500 to 25,000. Repayment period: 12 months, 24 months, 36 months or 48 months. The loan is for people from 18 to 75 years old. The guarantor should own the property. 

2. Across Lender Bank – as part of the promotion, the first loan (up to USD 2,000 for 15 days or 30 days) is free. A one-time loan amount for regular customers up to USD 3,000. The lender does not require income proof documents. A loan for persons aged 21 and over.




For a person with a bad credit repayment history (recorded in the Credit Information Bureau), an offer of loan companies that do not check GFI may also be a solution. Unfortunately, the number of such lenders decreases every year. Companies offering loans willingly agree to cooperate with GFI and download data from there.


The loans offered by Across Lender Bank and its trade brands ( Fast Express, Thrift Bank, Good Credit! ) Are one of the last payday loans that are granted without verification of the applicant’s data at GFI. What’s more, a new Across Lender Bank customer can borrow up to USD 2,000 for 15 days or 30 days for free.


An additional advantage of loans from Across Lender is the lack of requirements for e.g. income certificates. It is worth mentioning that in addition to one-off loans,


Across Lender Bank also offers installment loans (from USD 1,000 to USD 5,000 for a period of six months – 24 months) – check Installment loans from Across Lender are also granted without verification of customer data in GFI.

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