Hot Topics

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.
If I decide I need a personal loan, which type of lender is best?: Banks, building societies and specialist finance companies all offer personal loans. None are any better than the others in any outright sense – but because the market is so competitive, you'll need to shop around.
How long can I take the loan over?: How long you take the loan over depends on how much you need and how much you can afford to repay on a monthly basis.
What if I die before my loan is paid off?: If you die before your loan has been fully repaid, the loan will still need to be repaid by your estate. This may mean that your family will have to cover the cost of the loan for you.
What happens if I want to borrow more?: To borrow more you have the option of either taking out a new loan independent of your other loan(s), or arranging with your loan provider to add onto your existing loan.

Do I have to pay any upfront fees?

You will not normally have to pay any upfront fees, this is because all the admin charges and other legal fees are incorporated into the APR. Any charges are therefore spread over the term of the loan, and not charged on an upfront basis.

There are some circumstances in which you may have to make a payment at the beginning of your loan however. For example if you are in a real rush for your money, and are buying your loan from an independent financial institution, you can choose the ‘Express’ option of delivery. This means they will deliver the cheque by courier and you can have the cheque in your hand literally by the next day. Many loan companies offer this service and the general charge for this service is £45.*

Legitimate loan companies will not ask you for an upfront payment on your loan - it's against the law for telemarketers who guarantee or imply that there is a strong chance of getting a loan to ask for payment in advance.

*All figures are industry averages and may vary between loan companies.

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

-- Please Note --
This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.