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Loans : For Cash, Car, Holiday... Including Bad Credit Loans

Low APR Loans : For Cash, Car, Holiday... Including Bad Credit Loans

You can take out a personal loan for a car, holiday or cash, etc., from a bank, building society or other financial service provider.

Why look for a loan here?
  • Apply for loan 24 hours a day, 7 days a week
  • No obligation to take loan offered
  • Flexibility to pay off loan early
  • Problems with credit? We can help there too
  • Fixed rates available. Deals on fixed rates are limited

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You can usually borrow up to 50,000 for a period that can range from six months to 20 years. Normally, the more you borrow, the lower the interest, but rates do vary.
You can take out an unsecured personal loan or a secured personal loan. Secured loans are usually tied to your house - which means if you fail to keep up with repayments, you may need to sell your house to repay the loan. Unsecured loans are not tied into anything.

Most loans are re-paid by monthly installments, and the repayment period will be agreed before you get the money. This is usually a fixed period. It is worth noting that you may have to pay a penalty - maybe a month's interest - if you want to pay it off sooner.

If you wish to have the security of knowing how much you will be paying each month, you may want to consider a fixed rate loan.

The longer the repayment period, the more interest you will be paying, so you are best to go for the shortest loan you can manage.

You may also want to take out Payment Protection Insurance (PPI). PPI can cover you in the event of redundancy, illness or death. If you do take out a PPI, make sure it covers your requirements.

One final word... don't take on too much debt, work out what you can afford to pay in monthly installments, before you sign. If you are having debt problems, read this...

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