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Home > Finance > Loans

Loans

loan for cars home owners, secured loan & personal loansLooking for a loan? Whether you want to take the dream holiday of a lifetime, fancy buying a new car, or need to carry out home improvements? How about consolidating your existing debts in to one easy to manage low cost loan? With so many companies offering free online loan quotes there is absolutely no obligation and in most instances you get notification of approval within 24 hours. Loan rates are changing on a daily basis, make use of our loan search facility ... the results may suprise you.

MONEY FACT! - Single men & women aged between 25 and 39 have average unsecured debts of nearly £13,000 ...
>>> consolidate your debts here

Compare UK personal loans here! or

Compare Secure Loans

Best Buy UK Loans
See below for the latest deals from the UK's top loan providers. These loans are cheap! you will struggle to find a cheaper loan elsewhere. Click on the apply online for a loan today button to apply direct with the loan provider.
Standard Loans
Loan Typical APR Min Loan Max Loan Min Age
Alliance & Leicester Personal Loan 8.0% 7500 15000 21 apply online for a loan from Alliance & Leicester Personal Loan
AA Personal Loan 8.5% 7000 25000 18 apply online for a loan from AA Personal Loan

 

Debt Consolidation Loans: Debt consolidation loans can be used to pay off debts incurred on credit cards, personal loans or any other unpaid bill that are required to be consolidated with a new loan to cover all the existing debts. As these loans combine all the debts payments they often provide you with a lower monthly payment as well as better interest rates. A variety of options are offered with debt consolidation loans including applications for homeowners and those with ccj's or bad credit.

Procedures when applying for a loan:

A Loan secured on property in the U.K is regulated when under £25,500. As such they are subject to the laws of the consumer credit act. The following process will be administered:

  • You will be called at a convenient time to discuss if one of the loans is the right way to go for you.
  • Once this is established and confirmed, Advance Documents are issued to you that include an Application Form, a Copy of the Credit Agreement and sundry other documents dependent on your loan case.
  • Few days later, taking into account the mandatory cooling period, signable documents are issued. These include the Legal Charge (enabling the company to place its charge on the property) and the master Credit Agreement that the customer has to sign.
  • Once a signed application is received the company is able to order a Mortgage Reference (which is required in almost all cases) from the mortgage lender, order legal Search on the property etc.
  • Once the cooling off period is over, valuation of the property can be arranged for (required in most cases). Other documents required from the customer usually include Buildings Insurance, Pay slips/Accounts/Self Declaration Form, Proof Of Residence if not on voters role, Mortgage Statement.
  • Once all documents are received and provided the case still fits the criteria, the deal will be submitted to the lender who, if they like everything, will issue the cheque in 1-2 days. The cheque will go direct to the customer, made payable to the customer.

compare UK loans
 
UK Loan finder
With interest rates as low as they are it makes sense to look around! This simple form will show you what deals are available.
Single or a joint application? Single Joint
How much do you want to borrow? £
Are you a home owner? No Yes
Length of the loan?
Please enter your date of birth  /   / 
Do you have a history of bad credit? No Yes

 

 

 



Standard Loans
Loan Typical APR
Alliance & Leicester Personal Loan

8.0%

apply online for a loan from Alliance & Leicester Personal Loan
AA Personal Loan

8.5%

apply online for a loan from AA Personal Loan



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