If you're looking for a secured loan with bad credit, a home improvement loan, wedding loans, unsecured personal loan or just a second mortgage for any purpose, Ginger Loans will treat you as an individual. We do not judge you if you a have a bad credit history or poor financial situation. We are an independent broker, not a lender and can compare the products of many secured loan lenders so you receive a low interest secured loan from the hundreds of loans we have available, suited to your personal circumstances. Our goal at Ginger Loans is to provide you with world class customer service and the lowest interest rates available for your circumstances. You should always remember that second charge loans are secured by a mortgage on your home, so applying for a loan is not a decision that should be taken lightly.