• Credit Cards
• Personal Loans
• Bank Accounts
• Savings Accounts

Personal Loans

There are often times when we need extra money and we just don’t have it to hand, whether it’s for a car, holiday or even home improvements. Borrowing money on credit cards can be expensive and, even for building work, we don’t always have the option to add more onto a mortgage. Read more...>

	Barclays Borrow over 12 to 60 months, typical APR 9.9%	9.90%	£1000
	HBOS No penalties for early repayment	8.60%	£1000
	Halifax No repayments for 3 months	8.60%	£1000
	Bank of Scotland Fast Online Decision + No repayments for 3 months	8.60%	£1000

A personal loan can be for what ever you want and it gives you the option of spreading your payments over a longer period of time. By comparing interest rates and offers you can find the cheapest way of making large purchases.  For instance, sometimes it can be more cost effective to take out a personal loan to pay for an item than to take an in-store credit offer

Companies lend money only to make money through interest and they always take a long term view.  A seemingly small percentage can accrue a large value over a long enough period of time. 

There are a wide range of loans available and some will be dependant on whether you have any security, such as your home, to guarantee the loan.  Your credit rating and history will come into consideration when you are borrowing, but even if you have a bad credit score there are still options available to you.  It’s always worth calculating just how much a loan will cost over the full term of the loan.