Hot Topics

Will the loan company contact my employer?
Firstly, a loan company will never contact your employer without your consent.
What is not covered by personal loan protection insurance?
There are a number of situations that are normally exempt from personal loan protection.
What if I want to move house during the term of my loan?
Moving house is only an issue if you have a secured loan – as you have borrowed against the value of your house. How your loan company deals with this varies greatly. Some allow you to transfer your loan to your new property, using your
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.
Over what length of time can I spread my repayments with a debt consolidation loan?
You will be able to spread your repayments over whatever term you need to in order to meet your repayments.

How quickly can I get the decision?

More and more loans companies are selling themselves on how quickly they can make a decision. Many promise an instant decision, however they will still have to carry out a variety of checks to verify the information you have provided in your application.

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They will search your credit record at one or more licensed credit reference agencies, and they will add details of their searches to your credit record, and these may be seen by other organisations which make searches in the future. If you do not qualify for the loan applied for, or the company running the credit check believes that another product may be more suitable for you, they will pass your details to other Lenders or companies who may offer you alternative loan products or services. As with a credit card, this process normally takes a day or two.

Do not be tempted to make any more applications while waiting for a decision as all applications will show up on your credit record, and may affect other applications for credit in the future.


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.