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Frequently asked Questions

If you have any more questions, just give us a ring.

These are some of the questions we are asked.

  • What can I have a loan for – If you need a new car, pay for your holiday or wedding or just a debt consolidation loan, your personal loan may provide you with that much needed extra cash.    
  • What types of loan are there – Essentially there are the two types of personal loans , that you can obtain, Secured loans and Unsecured loans. Which one you choose is normally dictated by how much money you want to borrow. Secured loans often have better rates.
  • How much can I borrow – Unsecured loans tend to be for less than £15,000 - they are often for short term borrowing of between one to five years. They are very useful for the consolidation of your credit card debt - a fast method of settling credit card balances attracting interest rate charges greater than the rate of an unsecured loan.  Secured loans can be as much as 125% of your property value.
  • Who will lend – Secured and Unsecured personal loans are available from all major banks and loan brokers.
  • How long does it take - A lot depends on your circumstances. You have a cooling off period and you may have to have a house valuation.  The maximum would be about a month.
  • Why can't I use my Bank - You can, get a quote from them and then give us a try.  We want you to get the best deal and if your bank provides that we will advise you to use them.
  • What if I have bad credit - It all depends how bad your credit is.  However, there is nearly always someone who is prepared to lend to you. Tell us your circumstance now and we will find out what rates you can get.


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