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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.
What is a Car Loan?: There are three different types of car loan. We have covered them here to make you aware of the options open to you when seeking a car loan:
What is an unsecured loan?: An unsecured loan is a loan where no asset is pledged as security for the loan. (The most frequently used security is the family home.)
How quickly can I get the money?: How quickly you get your loan depends on who you buy it from.
What can I do if I think information held by a credit reference agency on me is incorrect?: If you have been turned down for a loan and you cannot see any reason why, then you can contact the credit reference agency to see your personal credit report.

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.

Agreements can stretch for anything from 3 to 25 years, and sometimes even longer for extremely large debts. A mortgage for example, could be paid back over as many as 47 years.

The key to the debt consolidation loan is that the repayments should be affordable to you, and that you should not end up defaulting payments and losing your home. When you sign up for the agreement make sure that the repayment terms are affordable both in the short term and the long term, and protect yourself against unexpected circumstances such as ill health, accident or redundancy with short term income protection insurance or a payment protection insurance policy with your loan provider. Taking out life insurance would also ensure that your family is not left homeless should the worst happen.

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.

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