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The Finance Directory Blog

"Personal loans detailed information and latest offers on low rates online."

Personal Loans

These are defined as a small loan being of less than £25000 for the use of private purchases such as home improvements, a kitchen, a conservatory or maybe a wedding or holiday.

There are a huge amount of deals and lenders now on the market.  Things to look out for are:

Typical APR:  The law requires that the lender shows their typical APR for the advert you are looking at.  The typical APR is what they expect 66% of the people applying for a loan to receive.  It is not necessarily the rate you will be offered.  Your rate will be based on a combination of items, the amount you borrow (bigger loans normally = smaller rate) and your personal profile on the credit score.

Check out if the loan is fixed or variable, the vast majority are fixed so the monthly payment can not change with fluctuations in the market.

If you are looking for payment protection then you will want to ask how much they charge for cover.  Payment protection is an insurance and the rate charged could make one loan much cheaper then another.  Compare the actual monthly payment between loan companies for the amount you wish to borrow.

Early settlement or redemption charges.  If you do intend to clear the loan before the end of the agreement look around for a lender who offers no penalties.  There are a few around but bare in mind you may pay a higher rate of interest.  The loan can still work out cheaper in total interest but only if you do settle the loan early.

Special deals.  For those who want a little bit more there are a number of companies lending money such as British Gas or the RAC who offer free car membership etc.  So it's something extra even if the rate is the same as another lender.

Enter our Loans Directory

This category covers them all buildings & contents, mortgage protection, life, car, travel or even pet. Compare quotes online.

Credit Cards  
With lots of companies offering interest free on balance transfer it makes great sense and it's so easy to apply online.

With so many banks now online have you got the most convenient bank and highest rate of interest. Find out who's offering what at the click of a button.