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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.)
What if my loan application is not accepted?
Sometimes a lender may not wish to give you a loan. This may be for a number of reasons, however the lender is not obliged to tell you exactly why the loan been refused.
Should I get Personal Loan Payment Protection Insurance?
When you apply for a loan, you will be asked at the initial stages if you want personal loan insurance to be included in the agreement
How do I make repayments and can I choose my monthly repayment date?
Your repayments will normally be taken from your bank by direct debit on a monthly basis. This means that you must have enough cleared funds in your account on the due date, or the payment will fail and you will have missed a payment.
How much can I reduce my monthly payments by with a debt consolidation loan?
It really depends on how much you owe. In some circumstances you may be able to reduce your total monthly repayments by as much as 75% - simply by consolidating your debts into one single payment.

What is a Holiday Loan?

A holiday loan is a loan designed to give you the means to pay for a holiday. This is commonly used for 'holidays of a lifetime' like honeymoons, anniversaries and holidays to exotic locations.

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You don't need to specifically apply for a holiday loan. However when completing loan enquiry and application forms you will be asked why you want the loan, and 'holiday' will be one of the options. A holiday loan is considered to be a good reason to get a loan by most loan providers, generally because they are quite small loans and therefore easy to pay off.

 

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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.