Page 2 of 5 - Loans

Caroline Ramsey

APR, which stands for annual percentage rate, shows how much it will cost you to borrow, once you take into account the interest rate and any fees. Read on to find out how it works and how it can help you.

Rhiannon Philps

Bridging loans can be regulated or unregulated, depending on the type of property you need the loan for. Read on to find out more.

Holly Bennett

There are a few options for short-term loans that might bridge the gap between buying and selling a property, or act as a stopgap to fund other projects. What you need the money for will play a part, and whether you’re a homeowner or run a business comes into it too.

Holly Bennett

Having a loan secured against your home doesn’t necessarily mean you can’t remortgage, but it will play a part in the lender’s decision. We explain why, and what to consider, below.

Holly Bennett

Collateral loans are secured loans that use an asset as security for the money you borrow. It’s typically a home, but there are other types of assets lenders might consider – just be clear about the risks.

Tim Leonard

Providing security for a loan means you put forward an asset, such as your home, as collateral against the finance that you need. As lenders feel they are taking on less risk with loan security in place, secured loans often have lower interest rates than loans with no security attached.

Rhiannon Philps

If you need to borrow money – perhaps to pay for a car, home improvements or other big-ticket item – why not find out first if you can get a pre-approved loan? This is when lenders check your eligibility and tell you whether you provisionally qualify for a loan, without affecting your credit score.

Rhiannon Philps

Doorstep loans, also known as home credit, are emergency short-term loans for small sums of money. They can be an expensive and risky form of borrowing.

Rhiannon Philps

Loans between friends and family can be a quick and easy way to access money, but they aren’t without their complications. If things go wrong, your relationship could suffer, so find out what you can do to try to make lending to friends and family a success.

Rhiannon Philps

Logbook loans are secured against your vehicle, so the lender temporarily owns your vehicle until you repay the loan in full. These loans can be very expensive, which means alternative options may be more suitable. Read on to find out how they work.

Rhiannon Philps

If you want to sell your house with a secured loan on it, you can either pay it off or move it to a new property. This will depend on your personal circumstances and how much you owe.

Rhiannon Philps

Taking out a loan secured against your house is one option if you need to borrow money. Read on to see if you could be eligible for these secured loans and if they’re the right choice for you.

Anthony Beachey

Peer-to-peer lending whereby specialist websites (known as platforms) bring lenders and borrowers together, offers borrowers an easily accessible alternative to traditional lenders such as banks and building societies. But how do you go about getting a peer-to-peer loan?

Anthony Beachey

Peer-to-peer lending, whereby borrowers and lenders are matched via websites, known as platforms, offers distinct advantages to borrowers and investors. But it’s important to be aware of the risks involved.

Anthony Beachey

A personal loan, where you borrow a set amount of money and repay it over a specified period of time, can be a very useful financial tool. But how do you go about applying for a loan and how likely is it you will get one?

Rebecca Goodman

Personal loans are often used for big ticket expenses such as a new car and can be one of the cheapest ways to borrow money.

Rebecca Goodman

If you want a new car but don’t have the cash to buy it outright, a personal loan is one way to pay for it.

Rebecca Goodman

Dreaming of a holiday in the sun? A personal loan could be one way to pay for your next trip.

Laura Whateley

Credit bureaus define "good credit" differently: it's 881-960 for Experian; 531-670 for Equifax; and 605-627 for TransUnion. If you have good credit, you can afford to shop around and compare the best rates for personal loans.