Licensed credit brokers. Elements4Finance, 192 Derby Road, Nottingham, NG7 1AF

We are licensed credit brokers based in Nottingham, but able to provide loans to applicants throughout the UK. We are part of the Cavendish Finance group (cavloans.com), established in 1979 and providing loans and finance to thousands of applicants ever since.

We provide our customers with a friendly and helpful personal service which we feel gives us an advantage over other larger brokers who may view you only as a number. We are always available to you by freephone to answer any of your queries, give you advice and help you with your financial needs.

We like to think we can help all of our applicants, regardless of personal circumstances, so if you have had credit problems in the past or have been turned down for a loan elsewhere, take advantage of our free online quote and see what we may be able to offer you.

There is no obligation upon you, fill out your details and we will search the many lenders we deal with to find the best deal for your particular circumstances.

Types of loan available

• Personal loan
  A loan provided to an individual rather than a company or business. These are generally unsecured loans. We can provide personal finance to many different types of applicant including those with credit problems/bad credit such as ccjs.

• Secured loan
  Available to homeowners only this type of loan requires security, usually against your property. As lenders have security for the loan they are generally more flexible about who they lend to, how much they will lend and at what rate. Please ensure you read the important information before proceeding with a secured loan and if you have any questions don't hesitate to get in touch with us.

• Unsecured loan
  This type of loan does not require any form of security allowing it to be made available to tenants as well as homeowners.

• Debt Consolidation
  If you have current debts on credit cards or outstanding loans you can repay them with a consolidation loan, replacing all of your debts with a single loan and one monthly repayment. It is possible to take extra money too to spend as you please, perhaps a holiday or new car.

  You can often save on your repayments because the loan rate is likely to be less than that charged by credit card companies. However you should always consider how much you might have to repay in the long run. Use our loan calculator to find out more.

  You might also wish to consider debt management instead. Rather than taking out another loan this option manages your current debts by negotiation with creditors.

• Car loan
  Specifically designed for car or vehicle purchase. Can be secured against the vehicle itself or can be an unsecured loan (see above). All types of vehicle can be bought and extra cash can be taken to spend on other things. More info is available at our car loan page.

• Self employed loans
  Many self employed people are excluded from traditional borrowing paths and are treated like they are in some way a lower class of customer but that is not true with us.

  A loan can be easier to arrange for a self employed person than employed people as with most of our finance plans you can self declare your income.

• Business/commercial
  This type of lending is available to businesses of all sizes and new enterprises. Loans for expansion of your business, bridging finance, setting up a new business and any other commercial enterprise you might be considering.

• Mortgage loan
  Used generally to buy your own home, although can also be used to buy property for letting out too. All types of mortgages are available, including right to buy mortgages for council tenants and housing association tenants.

Useful pages

Loan Calculator - Cash loans - Commercial and business finance - Debt Consolidation - Holiday loans - Mortgages - Right to Buy Mortgages - Personal loans - Secured loans - Sitemap - Property Finance - Advice - Finance Home Page

12.9% APR TYPICAL

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