Companies that will lend you money if they feel like it. 

It is harder and harder to get finance at the moment due to the credit crunch.  So you will need a good credit score, which is to do with your credit files.  In the UK, the three credit files you need to check out to see what these companies are looking at are Equifax, Experian and CallCredit.  You can send off and for about £2 they will send the information they hold about you, which loan companies (including credit cards and mortgage lenders) will use to see if you are going to be able to pay them back before they decide to loan you money.  It's always easier to get access to credit when you have money!  Catch 22. 

Be careful to borrow only what you can afford to pay back.  Unsecured borrowing is best.  If you get secured lending, they will have a charge on your property and you could lose your property (they will make you sell it) if you default on the loan.  So only do secured lending as a last resort. 

Check out the loan companies on the left.  Remember to always read the small print.