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Get back in the driver's seat with a marbles personal loan

Whether you’re upgrading your car, planning your next adventure, or consolidating your existing debts* a personal loan from marbles could be the perfect fit for you.

Check Eligibility
  • Exclusively for marbles credit card customers
  • Find out if you're eligible for a loan before you apply
  • Borrow between £1000 to £7500 over 1 to 5 years
  • See how much you could borrow without effecting your credit rating

Existing customers only aged 18 and over. Subject to status.

*Make sure you consider whether debt consolidation is the right option for you. It may result in taking longer to pay off your debt and could cost you more, so compare the rates of interest and other product benefits before you go ahead.

Not quite ready for a loan right now? Don't worry, as long as your marketing preferences are up to date we can send you our latest loan offers. Simply log into your Online Account Manager and go to the Contact Preferences tab in Account Settings.

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About marbles Terms of Use Privacy Notice Security Cookies Notice Contact Us Complaints

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. marbles is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.

Credit cards for people on low income

When you’re on a low income, it can be difficult to get access to credit. Fortunately, there are reputable credit cards, like marbles, designed for your situation.

In the past, credit cards were only accessible to those with regular incomes and perfect credit histories. In recent years, however, lenders have made their products more adaptable to a wider range of circumstances. If you have a low income there are credit cards specifically designed for you.

Perhaps you’re just starting out or you simply want a card to make important purchases. Whatever your situation, when used responsibly, a credit card can be a helpful way of building a good credit history for the future.

Check your eligibility

It helps to understand whether you may be accepted before applying. One way to do this is by checking your eligibility before you apply. marbles offers a free FastCheck service – it’s free, easy to use and won’t affect your credit rating. Try it for yourself and find out whether you could be accepted before you apply.

You could also check your credit report. Each of the main credit agencies – Experian, Equifax and Callcredit – offer free access to your credit report, sometimes for a trial period. Review your files carefully and contact the agency if you spot any mistakes.

Things to be aware of

An unsuccessful application for a credit card will leave a mark on your credit file and may make it harder for you to get credit in the future. Plus, the more applications you submit, the more desperate for credit you’ll appear. If you’re new to credit cards, read our guide to getting a credit card for the first time.

If you have a low income, you may be only able to apply for cards with higher APRs. So, when considering a credit card, make sure you can afford it, and aim to pay off your balance on time and in full each month to avoid incurring interest.

A good way to build your credit rating – and potentially gain access to better rates in the long run – is to use your marbles credit card for small, regular purchases, but always pay off your monthly balance in full. The card may have a potentially positive effect on your credit rating and you’ll avoid paying interest altogether.

Representative Example:

Interest rate for purchases 34.9% P.A. (variable)
With a representative 34.9% APR (variable)
Max credit limit £ 1,200

The APR applicable to your account will depend on our assessment of your application. Credit only available to over 18s resident in the UK and subject to status.

Marbles the right card for you

Credit cards for the self-employed Getting credit if you’re new to the UK Getting credit as a student or recent graduate Credit cards for those with poor credit Credit cards for people on low income Getting credit for the first time Credit cards for those with no credit history How the FastCheck eligibility checker works
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About marbles Terms of Use Privacy Notice Security Cookies Notice Contact Us Complaints

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulations 2017 (ref no: 555318) for the provision of payment services. marbles is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.