Loans

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Find the right personal loan for your next project, adventure or big purchase.

Borrowing money with a personal loan can be a simple and quick way to cover the costs of essential purchases, or to help manage your money when life throws something unexpected your way.

The money borrowed can be used for whatever you like, from consolidating debts to home improvements, perhaps you’ve been looking at a new car or once in a lifetime trip – there are a lot of different types of loan available, tailored to how you intend to spend the money.

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Popular loan options

Unsecured loan

The most popular type of loan. An unsecured loan lets you borrow money, usually up to £25,000 without you needing to put something valuable up for security against it.

Secured loan

A secured loan will generally allow you to borrow larger amounts than an unsecured loan for example, however you will need to put up something you own as collateral.

Bad credit loan

Designed specifically for people with a bad credit history or low credit score. Bad credit loans typically have a higher rate of interest and will often require a guarantor too.

A few things you should know about loans

  1. Increase your chances of approval by checking your credit score before applying for a loan
  2. When taking out a loan it’s important you have a budget in place to afford repayments
  3. The best APRs and loan delas are generally reserved for customers with the best credit ratings
  4. Missing payments will have consequences and can make getting future credit difficult

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Your common loan questions, answered

Are there alternatives to a personal loan?

Personal loans aren’t the only way to borrow money. If you are borrowing a small amount of money for a short period of time, an arranged overdraft or credit card may be able to offer better rates, 0% in the case of some credit cards.

Which type of loan is best for me?

This can change depending on a few different things, such as how much you intend to borrow, for how long and what you plan to spend the money on. There are dedicated loan types available for things like starting a business, debt consolidation or car purchases which will generally carry more suitable terms.

Your personal circumstance and credit score will also affect the types of loan you are eligible for. There are specific loans types designed for people with bad credit, or requiring a guarantor.

Can I get a loan if I’m unemployed?

Yes, it is possible to get a loan if you are unemployed, however as lenders will see you as a higher risk than other customers there will be limitations. Generally these loans will come with a much higher rate of interest than if you have a steady income, you may also need a guarantor to be accepted.

Can I pay off my loan early?

This will depend on the terms of your loan agreement. Generally, most lenders will allow you to overpay or settle the debt early and in full – Some may charge a fee for early repayments.

Finding the right loan is quick and easy with QuoteSearch

Our cutting-edge technology compares products and features directly from leading providers. We also have experts just on the other side of the phone to discuss your individual needs.

Our service is completely free and there’s no pressure to take out a policy. We’re 100% independent and FCA regulated, meaning you can proceed with confidence.

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