Personal Loans

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Personal loans

Want a holiday to recharge?
Do your whitegoods need upgrading?
Need access to quick cash?



Personal loans are often used for smaller purchases, such as holidays, school fees, for loan consolidation or for medical purposes. They are relatively fast to obtain, and often less complex than large loans or home loans.

Some lenders offer better rates for customers who present a lower credit risk to them. This is referred to as “risk based pricing”. Prices tend to vary greatly from lender to lender, so it pays off to shop around.

You should always have a clear idea of exactly how much you need to borrow, and its critical to make sure that you can afford to repay the loan comfortably.

Also investigate the fees involved in borrowing. The benefits of a lower interest rate can be pointless if the fees are high.

Tip:

Use your Credit Score to your advantage. As some lenders price their loans based on your risk profile to them (whether you present a good or poor credit risk), try sharing good credit history details with them, and see if you can influence them into competing for a better rate. Also, look at a lenders “comparison rate” which includes the cost of known fees as well as the interest rate. This gives a better overall picture of how much a loan is likely to cost you.



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