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In what circumstances should I consider taking out a personal loan?: You can get a personal loan for any reason you want.
What is a Tenant Loan?: If you do not own your own property, you will not be able borrow money secured on your home. This means that any loan you take out will be a tenant loan – or an unsecured 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.)
What if I die before my loan is paid off?: If you die before your loan has been fully repaid, the loan will still need to be repaid by your estate. This may mean that your family will have to cover the cost of the loan for you.
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.

Will the loan company contact my employer?

Firstly, a loan company will never contact your employer without your consent.

If they require you to provide official confirmation of your income, you will normally have to provide three pay slips and/or a P60. If you cannot produce any of these items, because for example you have only just started with the employer, the loan company may ask your permission to obtain a brief reference from them. This will purely be to ask them to confirm your position, length in employment and your annual salary. They will do this in writing so the process will normally take a few days, and will hold up your application process. They will not supply them with any details of your loan application, so your application will remain confidential.

If you are applying for your loan through your bank, you may not have to give any proof of income as they will have details of your monthly/weekly salary on your bank records.

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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