Compare The Best Loans Available

Search for the loan that's right for you can be challenging. There any many different types of loans available, and knowing which loan product best meets your requirements, and saves you the most money, can be difficult.

Luckily our hassle free, loan comparison tool can help you find the cheapest, low interest loan on the market. Take just 60 seconds to fill out the loan calculator form, and you'll be presented with the best loan offers available for your individual financial situation!

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Lowest APR

Each lender may assess your credit profile differently, so its important to assess all of your options. Comparing offers from various lenders will help you find the lowest possible interest rate available, saving you money.

Monthly Payments

Find a monthly payment plan to suit your personal budget. Once you have calculated your income and expenses, you can then compare the loans available, to find a monthly payment structure to suit your requirements.

Loan Amount

While some lenders may not be willing to lend you the amount of cash you need, by comparing all of the loan offers available to you, you will be more able to find a loan that meets your financial requirements.

Bad Credit Loans

If you have a bad credit history, you need not be dissuaded. By comparing the different loan products available, you will be able to find a bad credit loan which will give you access to the cash you need.

How To Work Out Which Type Of Loan You Need

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Amount of Cash Required

If you need a small sum of money, between £1000 and £10,000 then a Personal Loan is likely best. If you require £15,000 or more, then you will need a Secured Loan.

Repayment Length

Depending on your disposable income, you may need more time in order repay your loan in full, and will require a long-term loan. If not, a 12 month loan may be best.

Purpose of The Loan

Depending on your needs, there may be a loan specifically designed for your situation, like a car finance loan, debt consolidation loan, or a home owner loan.

Your Credit Record

If you have a bad credit rating, then you may have to opt for a bad credit loan - interest rates are higher, but it is also an opportunity to improve your credit score.

Finding The Best Interest Rate Can Save You Money

Depending on your individual financial situation and the specifics of your loan requirements, you could be offered a wide range of different interest rates.

The interest rate which you are required to pay to your creditor can drastically affect how much you end up repaying.

For example, with a £1000 loan, over a repayment period of ten years, see how the following annual percentage rates of interest affect the total amount you end up paying:

£1,266

£1,557

£1,867

£2,860

Be sure to get the best possible interest rate for your loan

Finding the best loan interest rates can save you a lot of money, but it can also be very difficult and time consuming.

Luckily our loan comparison tool makes the whole process of finding the best loan rates quick and painless. Take 60 seconds to fill out form and you'll instantly be presented with a selection of the best loan offers.

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Is A Bank Loan The Right Option For You?

It’s important to consider your personal financial situation in great detail before you make the decision to apply for a bank loan. Once you know how much you need to borrow, you need to begin thinking about whether or not your disposable income, after expenses, is going to be enough to keep up with the monthly payments required in order to repay your debt.

If you’re someone who is naturally not very adept and organising their finances, and you feel that you will likely be unable to consistently make your monthly repayments, then a loan is possibly not the best option for you. There are penalties and charges for missing repayments that can make taking out a loan a very expensive mistake.

Be aware of how much you are going to end up repaying in total, and how the interest rate, and length of repayment affect this; then ask yourself if it is really financially beneficial for you to take out a loan.

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How Much Cash Can You Borrow With A Homeowner Loan?

Secured Loans may allow you to borrw great sums of cash by using your home as collateral, but how much you will be able to borrow will depend on quite a few factors.

Lenders will consider your income; your expenses; and assess how reliable you are as a borrower, with a credit check. The less risk you pose as a borrower, the higher the loan to value ratio (LTV) lenders will offer you.

It is possible to borrow up to 95% of the value of your home, however such loans are likely to only be offered in the case of you having an impeccable credit record, a reliable source of income, and you may also be required to take out some form of payment protection insurance (PPI).

The higher the LTV, the more lenders will expect from you as a borrower to offset the risk, as can be seen below.

Requires good credit record - May have restrictions or require PPI - May have a very high interest rate
Good or moderate credit record - Fewer restrictions - High to moderate interest rate
Moderate to poor credit record - Few or no restrictions - Moderate to low interest rate

LATEST POSTS

Get the latest news on the best loan products available to you.

What Is Payment Protection Insurance? And Why Do I Need It?

2nd May 2014 2:21 pm

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Payment protection insurance, also known as (PPI), is used by borrowers to protect them in case they are not able to keep up with their payments due to...

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Secured Loans Vs Unsecured Loans: Which Is Best For You?

2nd May 2014 1:56 pm

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In this brief and concise post, we have given a quick breakdown of the differences between secured and unsecured loans, and which situations they are most applicable. Secured...

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