Unsecured loans are normally for smaller amounts and are often available up to a maximum of £25,000. Normally they must be repaid over a shorter term, making the repayments higher and /or prohibitive. If you have suffered from a poor credit rating, have County Court Judgments or defaults, it may be very difficult to obtain an unsecured loan as the lender will fear that you may not make or keep up with the repayments.