Note that in these days when lenders are facing ever increasing competition
, bad credit borrowers are also being approved unsecured loans in the UK . So if you could not make timely payments in past, defaulted on payments, have arrears and CCJs, still you can always find a lender offering unsecured loans. But go through terms-conditions of such lenders and compare them for interest rate for a suitable deal. Unsecured loans are an opportunity for improving your credit score if you pay off its loan installments regularly.