Guide To Loans

Once you have decided to take out a loan, you must then choose whether or not you want or need to secure it against your property.Banks and other lenders are often more willing to give you a loan if it is asset backed – especially if the amount you want to borrow is over £25,000. But beware: your home could be at risk if you miss payments on a secured loan. Read our guide to find out more…

Research shows that whilst motorists spend time and effort getting the best price on a car they may sign up to the first car finance deal they are offered, which could cost them hundreds of pounds.

Some months seem longer than others, especially if you have unexpected expenses that eat into the money you have to cover you until your next pay cheque. If you find yourself short of cash towards the end of the month, a payday loan could work well to plug your short-term funding gap. However, this type of loan is not for everyone and our guide will explain what payday loans are and how they work.

One of the main concerns for anyone taking out a loan is whether or not they will be able to meet the monthly repayments if they lose their job or become unable to work due to illness. Payment protection insurance (PPI) can protect against this eventuality. However, policies vary considerably and there are common exclusions which mean PPI isn’t suitable for everyone. Read our guide to find out more…