Where should i go for a personal loan with a so so credit rating?

[Frankieola]

I need to borrow about £7000 as I am getting married but my credit rating is a little poor, No defaults or CCJ’s or anything, Just late payments here and there. I have had a few personal loans with Abbey/Santander in the past which were all paid off successfully and on time but they have refused my latest application. Does anyone know a lender that takes into account things situations such as mine rather than the “computer says no” attitude?

[redcrx]

Have you approached your own bank?

[R1Geezer]

You're late payer, no lender will like that, they'll assume you'll always be a later payer and they won't want the hassle of chasing you up all the time, it's almost as bad as a non payer. You won't get anyone to lend you 7k part from the local gangsters. You may get a smaller loan from someone like provident at a squillion percent.

[dasherman]

Have you tried Zopa?

http://uk.zopa.com

[joannie10]

is it worth starting your married life with this debt - should you not just tailor your wedding to fit your budget?