Hot Topics

In what circumstances should I consider taking out a personal loan?: You can get a personal loan for any reason you want.
What is a Home improvement Loan?: Many people choose to take out home improvement loans so they can give their house a new look before selling.
What is a Debt Consolidation Loan?: A consolidation loan offers the opportunity to put all your outstanding balances together into one block. This can include credit cards, personal loans and sometimes your mortgage.
How do I contact the Credit Reference Agencies?: You can request your credit report online, by phone or online. It costs £2 for a copy of your statutory credit report. Here are the details for the three main credit reference agencies.
I am having trouble making repayments on my loans, should I get a debt consolidation loan?: If you have a number of debts and are having trouble managing them all, then a debt consolidation loan may be your only option.

Can I borrow again in the future?

Your ability to borrow again in the future will depend largely on how well you managed your loans and other forms of credit in the past.

Paying a loan or credit back on time and with no arrears will improve your credit rating vastly, and lenders will be keen to offer you credit as they will see you as a low risk borrower. You may also be able to borrow more than you have in the past because your history proves that you can manage a debt well.

If however you gained a bad credit history from a past loan or credit card – you may have more trouble obtaining a cheap loan deal. You will be able to borrow money but you will have to pay higher interest rates with a loan provider that specialises in bad credit customers. If you’re in a secure financial position and know you will easily be able to stick to the repayment schedule, it’s an excellent opportunity to fix your bad credit history. One you have proven yourself to a be a low risk customer you will again be able to get the lower interest rates and more favourable terms that lenders offer those with a good credit history.

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.

Car Loans

Holiday Loans

Home Improvement Loan

Career Change Loan

Debt Consolidation Loan

Bridging Loans

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