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There are many different types of loans on the market today. Each have a purpose and an application, such as "Wedding Loans", "Home Improvement" etc. This page and additional pages on this site will demystify the entire process for you. We have provided an on line directory and also links to some of the best Online Loan Companies in the UK with some of the lowest rates for all types of loans from secured and unsecured personal loans to debt consolidation loans.

Our Current Top Cheap Loans Companies:

There are lots of things to consider when applying for a loan. This site describes the different types of loans, discusses debt consolidation, credit card debt, refinancing, loan calculators, loan terms, credit scoring and just about everything you need to know to prepare yourself to obtain the right loan for your requirements.

There are so many different personal loans on the market today that it is sometimes difficult to know which one to choose. The first step is to know what you need the loan for - refinancing, home improvement, a new car, holidays, weddings etc.

Next is to understand how much you need. Make sure you do not run short. For example you may want to include enough funds to purchase new furniture with your home improvement loan. Also, how quickly you can pay back the loan and the interest rate will determine your monthly payments.

Your lender will be interested in your personal situation. They will want to know if you are a homeowner or not, your salary, were you work, your credit history, are you self employed, do you have any Court Judgements against you.
Types of Loans There are really only two types of loans on the market: secured and unsecured. There are many lenders with various types of loans such as wedding loans, home improvement loans, etc.. As you are collecting your thoughts on the type of loan, the size, how much you can afford etc.. You also need to compare loans from various venders to ensure they include the features you need.

Check List for UK Loans

Do the rates quoted all include or exclude repayment insurance?
Annual percentage rate?
Is the interest rate fixed or variable?
How much will the vendor loan?
What is the term of the Loan?
Is the loan secured or unsecured?
Is there an option for under or over payments?
Repayment insurance included?
Accident, sickness and unemployment insurance?
What is the total amount of interest you will be expected to pay?
If you redeem the loan early what are the penalties for paying off the loan early?
Options to skip one or more regular payments?
Can I apply for the loan over the Internet?
Is the rate cheaper if applied for over the Internet?
How much is the application or loan fee?
Can I pay by direct debit or standing order?

We have provided additional sections to provide you with more information to help you with preparing to obtain your personal loan. You can find these in the index of "Personal Loans UK" . If you are ready now to apply for your personal loan

Click here to find the Cheapest UK Loan.

Current top companies:

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