The best things in life are never free. That's why we all need money. So if you want to borrow over £1,000 you want it cheap, you'll need a low interest rate. And that's precisely what you'll get!
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8 Top Tips
Don't borrow more than you need - if you do you'll end up with higher monthly repayments and over the years you'll end up paying back too much in interest.
Don't borrow more than you can afford - if you over run your monthly income you're heading for big financial trouble - and it can make your life utterly miserable. But please, if you're in deep financial trouble speak to someone as soon a possible. A good starting point is the Citizens Advice web site at www.adviceguide.org.uk/index/life/debt.htm
Ensure you remain in control of your finances - check out how much the loan will cost you each month and how much you'll pay back in total.
Lenders have different lending policies - the terms on which lenders offer loans do vary. Interest rates vary widely and some lenders may charge extras like administration or legal charges. Closely study the small print - if there are "nasties", that's where you'll find them! Please be wise - it isn't always the loan with the lowest APR that suits you best. Discuss it with your Loans Adviser.
Important - Only apply for one loan at a time - You should be aware that every loan application you make is recorded on your credit file which is held by the major credit agencies. If you make lots of loan applications this is frowned upon by lender's as it is a symptom of people who are under financial pressure. So don't make multiple applications as they will damage your credit rating. The credit agencies will hold details on your credit file for seven years.
Consider protecting your loan repayments with insurance - You don't want to run the risk of falling into arrears if you were made redundant or had an accident or become sick. So it's a good idea to take out loan repayment insurance - especially if your loan is secured against your home. However, make sure that you take out this insurance separately from you loan and pay the premium monthly rather than adding it to your loan - it will be much cheaper! This insurance should cost you about £4 per month per £100 borrowed. DON'T PAY MORE!
Finally, check out the alternatives - Will your mortgage lender give you a better deal by extending your mortgage rather than you taking out a separate loan?
All loans that are arranged will be subject to your credit status. Therefore, the interest rate offered to you will depend on your personal circumstances. No matter what, you can have a written quotation upon request.
Statutory Wealth Warning
All loans that are arranged will be subject to your credit status. Therefore, the interest rate offered to you will depend on your personal circumstances. No matter what, You can have a written quotation upon request.
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