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Personal Loans Guide

Loans

• Personal Loans Guide
• Car Loans
• Adverse Credit Loans
• Debt Consolidation
• Homeowner Loans
• Payment Protection
• Secured Loans
• Unsecured Loans
• Terms & Conditions

Loan Providers

Unsecured Loans

An unsecured loan is one which does not allow a lender to immediately seize any assets you may have such as your house if you fail to pay an interest payment on a loan interest payment date. This doesn’t mean that you will get clean away without paying your loan interest or the actual loan. If you fail to make a payment then the lender will still take you to court and try and get his money back by getting a court order against you. However he will not be able to force you to sell your house unless you are declared bankrupt. Because the lender has no guarantee or other security against the loan he will typically ask for a higher interest rate and/or a shorter time period in which to repay your loan. The lender has to charge you more because he may have taken out an insurance policy just in case you don’t repay him. If you don’t have any assets e.g house, shares or other valuable items then you will have to get an unsecured loan.

Personal Loans

Personal Loans are usually only used for small amounts e.g up to £10,000, we wouldn’t recommend you go beyond that figure because of the high interest rate you can expect to pay. Personal Loans are best taken out for small things such as a car, weddings, gifts etc. Strangely enough the less you borrow the higher the interest rate, this is because the cost of insurance will not vary significantly when dealing with amounts less than £5000. Remember always try to repay early and make sure the loan documentation allows this. Never go to a small time lender who knocks on your door, they are usually the guys who break your legs if you don’t pay the extortionate interest rate, and you can never repay them and escape from them. Better to live without the money than to go to a loan shark.

Poor Credit

Unfortunately credit agencies like Experian seem to control your fate when it comes to being eligible for a loan, all too often a minor lapse in paying a bill on time becomes a stain on your credit history. If you do have problems getting credit due to your poor credit history check our adverse credit loans page and you may be able to find help there. Your specialist advisors should always try and provide you with the best option.

Complete the form below and your details will automatically be sent to a third party specialist advisor who should be help you to find the best deal for you for whatever your needs. Using our service should help you save you time and money by putting you in touch with someone who can actually help you.

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Step 1 of 3

About your loan

How much would you like to borrow? Over how many years?   Please select1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years   Purpose of loan? Current residential status? Please selectDebt ConsolidationHome ImprovementCarHolidayWeddingOther   Please selectHome Owner - With a mortgageHome Owner - No mortgagePrivate Tenant - FurnishedPrivate Tenant - UnfurnishedLiving with parentsOther   What is your monthly income? (including any benefits) Your employment status?   Please selectEmployedSelf-employedUnemployedHome-makerStudentRetiredOther   Proceed to step 2.

Step 2 of 3

About your loan

You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please selectA DealerPrivate SaleI'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     YesNo   What is your monthly rent/mortgage payment?   Your living arrangements?     Please selectSingleLiving with PartnerSingle & 1 ChildSingle & 2 ChildrenSingle & 3 ChildrenSingle & 4+ ChildrenWith Partner & 1 ChildWith Partner & 2 ChildrenWith Partner & 3 ChildrenWith Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) --12345678910111213141516171819202122232425262728293031--JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember----1991199019891988198719861985198419831982198119801979197819771976197519741973197219711970196919681967196619651964196319621961196019591958195719561955195419531952195119501949194819471946194519441943194219411940     YesNo   Proceed to step 3.

Step 2 of 3	About your loan
Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.

Step 3 of 3	Your details
First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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