Lenders are not ready to give me a loan in Oxford

your credit could be legitimately bad.

How much were you trying to borrow?? Lenders are just not lending much unsecured. What is your credit like???

Get copies of your credit report from all 3 agencies and see where things are there. This might give you an idea as to what part of the problem is. The other thing might be the type of loan you are trying to get. Lenders are getting a little more picky when it comes to lending. It just is not as easy as it use to be. If your credit is not that great, maybe try getting a small loan, maybe a few hundred dollars from your bank or credit union. Sometimes, depending on the situations, not getting something can be a blessing in disguise. Good luck