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Can I cancel my loan application if I decide not to go ahead for any reason?
If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.
Can I cancel my loan application if I decide not to go ahead for any reason?
If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.
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.
How much can I borrow with a debt consolidation loan?
The amount you can borrow on a debt consolidation loan is basically exactly the same as for a normal 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.

What happens if I am suddenly injured or taken ill?

To protect your loan repayments in case you are unable to work due to accident or illness, you will have to take out either personal loan or short-term income protection insurance.

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Most insurance companies will meet your payment schedule for you until you're well enough to go back to work, however this agreement will only last for up to 60 months. With accident or sickness you are normally able to make a claim as soon as the policy starts, but in some cases you may have to wait until you’ve had the loan insurance policy for 15 or 30 days. You will normally start receiving money after you have been ill for 30 or 60 days, however, some loan insurance policies will backdate the benefit to the start of your claim.

Make sure that the insurer is aware of any existing medical conditions you may have. Claims as a result of medical problem that you have had, or were treated for in the last year, will normally be exempt from cover in a loan insurance policy. This means that if you’re unable to work because of an existing condition, your claim will be turned down. When applying for the loan you will have to state any medical conditions – check in the terms and conditions to see what their policy is towards your own particular condition.


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.