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Why do I need a loan?

There are a number of reasons why you might want to borrow money. It could be that there's a new car you've got your eye on, or you need to pay for a wedding. Whatever the circumstances, a personal loan is just one way of getting a lump sum quickly.

With an unsecured loan, you don’t have to offer up any kind of collateral (e.g. your house) as a guarantee in order to get the loan. Whilst this could mean less risk to you when borrowing the money, unsecured loans tend to have higher interest rates as a result.

How much can I borrow?

Personal loans typically offer between £1,000 and £25,000, and could be used for purchases such as a new car or some home improvements. They also give you the flexibility to pay back the loan over a number of years.  Most unsecured loans have a fixed interest rate, which means that repayments will stay the same throughout the term.

The loan application process

  • Before you apply for a loan, take some time to work out how much you want to borrow and how much you can afford to pay back monthly. Before deciding on a loan, it’s worth taking your income and expenses into account to be sure you can realistically make the repayments.
  • Depending on your credit rating, you may be offered a different interest rate (Representative APR) or be limited to a certain amount that you can borrow. Compare loans without affecting your credit score and get approval in three minutes. 
  • You may also be asked for proof of earnings, address or identity to support your application, so be sure to have these to hand.
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