FOCM offer loans for the poorest in society.
25% of people in the UK don't have sufficient credit to take out essential credit needed for living a travelling.
We can offer car loans, deposit loans and short term unsecured loans to those with a less than perfect credit rating.

A UK organisation that helps people who otherwise would be helpless.

FOCM was set up in 1996 mainly to deal with a working class UK population who couldn't apply for credit due to poor credit ratings. Our Short Term Loans and Payday Loans have helped thousands of people throughout Scotland, England, Northern Ireland and Wales. 

Besides offering loans directly, we also act as a broker finding you the best deals in the market. 

Bad Credit

Having a bad credit rating can often leave you feeling like you've nowhere to turn. Our loans and loans from our 3rd party companies can give you the cash you need regardless of your crdit score.


We have incorporated a 2 minute application form that allows our users to submit an enquiry for their loan. One of our brokers then contact you and assess your information to find the best option.


Once we have come up with a short list of results that may suit your needs and the needs of the lender, we will provide you with your loan quote and you can then decide if you would like to proceed.

FOCM – Payday Loans Alternative

Every one of us needs extra cash occasionally to fulfil our desires and pay off for necessary expenses. At times the paycheck is not sufficient to bear out all expenditures, and we also have to plan for the unforeseen events that call for extra cash flow. The answer to all these problems is the reliable payday loan, which is also known as a short-term personal loan, designed to provide the applicant with a loan of up to £3,000 instantly so that he or she can easily pay for their immediate expenses and get relief from financial troubles. is one of the credit brokers in the UK that offer flexible payday loan programs to their customers located anywhere in the UK. The options they offer are varied and tailored to each client's needs and financial situation. You can choose your repayment period as well as the representative APR to suit your requirements. This way you can calculate in advance how much you will have to pay by the end of the repayment period, which is from 3 months to 12 months. It is one of the most preferred choices of getting your bad credit score back on track. 

However, some people might be on the lookout for a few alternatives to payday loans. One of the most popular reasons for choosing an alternative is the high-interest rate associated with these types of personal loans. If you're also one of those people who think payday loan might not be the best solution for you, there are quite some alternatives to check out. First off, you may want to apply for a guarantor loan in which you will have to provide the guarantee of a person who has a good credit rating. This type of a loan is very reliable, and it is one of the secured loan types. 

There are also many other personal loan types provided by credit brokers as alternatives to payday loans. They are also short term, which means you will be required to repay the amount in just a few months’ time. However, the interest rate associated with them might not be fixed. The variable interest rate allows the person to avail a few good options when it comes to a poor credit score. When you make the repayments on time, your credit score improves naturally, which is a good reason to go for such loans. 

The best way to apply for a bad credit loan is to fill out the online application form. Not only your application gets approved within 24 hours, but you also receive the funds directly in your bank account without any serious credit checks or other requirements. If a traditional payday loan is not what you're looking for, check out the other alternatives and you will find a plan that perfectly suits your financial standing and the situation you're currently in. Once you can pay back the loan amount, you can plan your financial future to make it secure with a good credit rating. 


83-89 Western Road
Wood Green
N226US, UK

Phone: +44 1204 454 432