Hot Topics

What kind of loan should I get?: Which loan you choose depends entirely on what you need it for. There are many different kinds of loans, depending on where you buy them from.
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 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 have not been with my current employer very long, can I still apply for a loan?: To apply for an unsecured loan you will normally need to provide 3 consecutive pay slips to prove that you have a regular income.
Will a debt consolidation loan solve all my problems?: A debt consolidation loan will solve your problems if you can meet the repayments. However you need to analyse how the money troubles began – and fix the root cause.

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.

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.

Car Loans

Holiday Loans

Home Improvement Loan

Career Change Loan

Debt Consolidation Loan

Bridging Loans

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