I need a £5000 unsecured loan over a 3 year period. I have very bad credit in the past and am now struggling to get accepted for a loan. I can more than comfortably afford £200 a month for 3 years and this would amount to £7,200 altogether, so the lender would be making a nice little earner out of me. Due to my past credit, and to start rebuilding it, I am happy to write out 3 years worth of cheques for the lender which are accompanied by a cheque guarantee card so they know they are always guaranteed to get their monthly repayment. But obviously set up a direct debit or whichever the lender prefers for my monthly payments aswell. Does anyone know if anyone can help me or any advice?