All posts tagged uk

Which loan is right for you

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Home Loans

If you’re a homeowner, home loans are usually defined as secured loans, and should benefit from the best APR’s available. Home loans are available with some of the most established lenders in the UK. If you have defaulted on a payment in the past or have CCJ’s (County Court Judgments), you can still be eligible for a good rate if you choose a home loan.

Sometimes lenders will offer a repayment holiday with a home loan if you need to take a breakfrom making repayments. You should always ask when applying. Home loans are amongst the most popular loans products.

Car Loans

Car loans are amongst the most popular loan types with UK consumers. If you’re looking to finance a new car then the car loan is usually the best option.

Specialist car finance companies process thousands of car loans every year and has tailor their services to suit the demands of the car finance market. If you don’t have a specific vehicle in mind, some car loan lenders have the facility to supply the car as well as the finance effectively offering a one-stop shop.

Of course this is not an ideal solution for everyone, however some customers do like the extra convenience of being able to sign one contract and drive their car away the same day.

Personal Loans

There are now a wide variety of financial comparison web sites allowing you to search and compare practically all of the most competitive personal loans and personal loan plans available in the UK. Whether you’re a tenant or homeowner you can find the best loan to suit your needs and more importantly your financial circumstances.

Finding the time to search for personal loans cannot be easier today there are over 300 personal unsecured loans available in the UK and now a plethora of comparison companies allowing you to source competitive personal loans and personal loan plans.

Bad Credit Loans

If you’ve already been refused credit or have missed payments or have defaults from the past your most likely options are bad credit loans. For customers with an impaired credit history bad credit loans are available to these people who fall within the sub prime category and are usually associated with above average interest rates if the customer is a non homeowner, a tenant.

However it’s not all bad news, if you are a homeowner it is more likely that your lender will off you a secured loan because they have the added benefit of the loan being secured on your home.

Simon Duffy writes for the Financial Blog a UK Finance Blog talking about all aspects of personal finance including loans blogs, credit cards blogs, tenant loans, credit cards blogs, mortgages blogs, insurance blogs and more.

Payday loan debit card-Place debit card and get fast cash

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If you cannot place any asset or property as a collateral security against the borrowed amount, but have a debit card to be placed, then payday loan debit card is the best option for you. You can go for these loans when your payday is still some weeks away and you need urgent money for the emergent needs. These loans are capable of solving all your pending expenses. You can meet all the short-term requirements of day to day life through this financial scheme.

Payday loan debit card is widely available over the web. Through this online means, you can fetch fast funds with ease and convenience. You are just required filling up an online application form and submit it online. The application form provides personal information about the borrower like name, age, gender, residential proof, income proof, employment status, bank account number, contact information, etc. The online lender will check the details provided by you and if satisfied, he will grant you the loan within 24 hours.

If you want to avail these loans, you must be a permanent citizen of UK with an age of at least 18 years or above. You must have a regular job with a handsome salary of at least 1000 pounds per month and last but not the least; you must possess a valid and active bank account in your name for the transfer of loan amount.

Bad creditors also approved for these funds. Bad credits generally include arrears, defaults, bankruptcy, etc. There is no verification of credit history. So, if you are holding poor credits, do not be ashamed of that. The lenders understand the problems of such people. There is no procedure of credit check.

Through these loans, you can borrow the amount ranging from 50 pounds to 1500 pounds for the repayment term of 14 to 31 days.

An easy and consistent guidance can be expected from Kelvin Lopez. He contributes regularly to the financial industry through his articles and right suggestions about payday loans no debit card , debit card loans visit

Quick Cash Loans – Fast Loan Scheme

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This quick cash loan scheme is offered for those UK people who are in urgent need of money to come out of their financial problems. Cash advances do not require you to have collateral of any kind. You do not need to have a home or a car in order to get quick cash and avoid financial pitfalls. These same day cash loans are transferred in to your bank account within one day and sometimes, even sooner. The loan is provided at a reasonable interest so that you don’t feel any burden which provides you the greater flexibility according to your convenience while repay the loan.

This quick cash loans scheme is easy to apply because the mode for applying has made online. This is made so because this scheme is offering the cash to the applicant on the same day of applying. On here, you need to provide your personal details like name, address and e-mail id. You will get money within a day after being approved for the loan. These all details are just basic details which every one can provide easily. By comparing payday lenders and rates, you have a great chance of finding the lowest rates and best terms. Although you need to fulfill eligibility criteria to become a genuine applicant for this loan scheme. You have to be a UK citizen, have a saving and checking account in any UK bank and you should also have a steady job that can ensure your continuous monthly income. The income source is must because this is the reason that you are not asked to provide any collateral. This is all available to you even at sitting at your home. So, if you are looking for a fast loan then these loans can be really helpful to you.

Roben Dacon is working as a financial consultant with a well known firm. He suggests the common people on the loan related problems. To learn out more about same day cash loans, fast cash , payday loans visit

Bad Credit Car Loan Get Your Dream Car despite a Bad Credit

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You badly need a loan to get a car but you got a bad credit. How bad can that really be? Very bad one might be force to think but on the contrary it is not as bad as it sounds. Recent studies have shown that the number of individuals owning cars in the UK is drastically growing by the day. One couldnt possibly think that all these cars were bought without loans and it is also very much possible that many of the borrowers of loans were in bad credit too. This is one area where bad credit car loan is making a fast move and growth towards being one of the best loan systems in the UK market.

Bad credit car loan is one of the most popular forms of loan in the UK today due to the rising need of cars for various purposes? But again, it is not always that someone is free from all credit so as to get the car loans that easily. Due to the increasing cost of living, many tend to fall into bad credit and this becomes a stumbling block in getting car loans. And perhaps, it is for this every reason that bad credit car loan is becoming popular among individuals with bad credit yet wanting to own a car.

As with most of the loans that are provided by lenders, bad credit car loan also comes under two categories of secured and unsecured loan. Under the secured bad credit car loan the borrowers has to take the loan against a security or collateral which can be any of his assets or property. However, the interest rates are comparatively lower than the unsecured with a longer repayment duration time.

Under the unsecured bad credit car loan, no security or collateral is involved. The risk is often with the lender. However, he takes advantage of the little higher interest rate. The repayment time is also shorter than the secured loan.

Terms and conditions such as being a permanent resident and citizen of UK, a permanent employee of a company, age category is always involved in all forms of loans. The story is the same here. One also has to prove the same through certain documents which includes bank statement, driving license, passport, etc. Most of these are done to ensure fast and safe approval of the loans applied for including bad credit car loan.

But at the end of the day, bad credit car loan is truly beneficial for those wanting to own a car despite bad credit. It is one loan that will help you own your dream car. Applying for the loan shouldnt really be a worry considering there are a good number of online applications.

Debt consolidation loans Live your financial life without any mental agony

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Loan acts as an ideal friend in our needs, a helping hand at our bad times and a ‘companion’ that brings smile on our family members’ faces. But, there are times in the life when the huge burden of multiple loans acts as a boomerang for the borrower. Struggling with debt problem seems like getting trapped in an intermediate struggle to move head out of water and that’s especially to cope with the different creditors. In such struggles, the feeling of loneliness comes to the mind. But, in a country like the UK you need not to think so. Because, you will find several financial organisations in the country which are always ready to spread their helping hands by providing loans to keep you out from the mental burden of being pampered by your creditors. Such types of loans are known as debt consolidation loans.

These loans help you a lot to manage all your loans in a discipline way. When the number of creditors increased, it becomes difficult to manage all of them by paying monthly instalments separately and in case, if you forget to pay the loan instalments then you will be charged with some fine. By going to a debt management plan, you need not to suffer all these mental agonies and will only be accountable to a single lender who will offer you the debt consolidation loan.

One another advantage you will get with the debt consolidation loans is avoiding bankruptcy. You just need to pay a particular sum of amount to a single lender who will take the responsibility to repay the loan amount to your creditors on behalf of you.

If the amount of your loan is large then you can avail bad debt consolidation loans in the secured category as well. For taking loans under this category, you need to pledge anything of your valuable asset as a security which is usually your residential home. You will also have the option to avail the debt consolidation loans without pledging anything as a security. This type of loan is known as an unsecured debt consolidation loan.

According to the financial feasibility of an individual, the lending authority categorised the bad credit consolidation loans. This categorisation has basically done on the basis of the placed security. The lower monthly payment also gives the impression of such type of loan. By going to this way, you will be able to make saving and it will be very easy on repaying the dues.

Today, the most smartest way to avail debt consolidation loans is the Online media. Over the Internet, you will find several financial organisations that provide such loans with flexible rate and with easy terms and conditions. This way of searching a lender not only saves your valuable time but also facilitates you to avail the best out of all the lenders available in the market.