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Picture a personal loan that will suit your borrowing needs, whether it’s making a big purchase or to cover expenses. Difficult to imagine? Let my amazing moneymatcher tool do the hard work and help find a loan that's right for you.

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Personal Loans

Taking out an unsecured personal loan will let you borrow a lump sum to make a significant purchase, paying it off gradually over a set period.

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Secured Loans

A secured loan allows you to borrow a large amount of money over a longer period by using a valuable asset such as your home as collateral.

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Car Loans

Are you looking at buying a new car? Instead of accepting a finance deal, you can get a car loan which might have more favourable interest rates.

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Bad Credit Loans

If you have a poor credit score but would still like to borrow money, a bad credit loan will allow you to do so, but normally at a higher rate of interest.

View Bad Credit Loans
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  • What is a personal loan?

    A personal loan is an amount of money loaned by yourself from a bank or other organisation. Personal loans are usually unsecured loans, which means they are not secured against your property or other asset, and are given based on your individual credit rating.

    Some personal loans can be secured, which means they are secured against another high-value asset such as a house or a car. This can be in circumstances where your credit rating might not be high enough, or the amount you intend to borrow is a lot more than normal.

    How are personal loans calculated?

    Personal loans usually come in a lump sum, paid back in instalments. The amount you are able to borrow will depend on the lender, as well as your own credit history. This will also affect your interest rates and subsequently, the overall amount due to be repaid.

    The amount you pay back on your personal loan will be dictated by the APR (Annual Percentage Rate) that will indicate how much interest will be added per year on top of your original loan.

    Your loan repayments will also be calculated to include compound interest, meaning that you will pay interest on the interest every year, reflected in the breakdown of your repayments supplied by the lender.

    What are personal loans used for?

    There can be any number of reasons for taking out a personal loan, including:

    • Making a home improvement
    • Paying for a family holiday
    • Paying for a wedding
    • Buying a new car

    Unlike a credit card, which can be used every month for an unlimited amount of time if required, a personal loan will have a set repayment schedule. This means you can choose a loan with a timescale to suit your requirements.

    For any reason if your loan is to help set up a new business or to contribute to a current one, you’re best off going for a business loan instead.

    Our lenders

    We work with a huge range of lenders to give you a wide selection of financial products, ensuring you can find a loan to suit your circumstances.

    Each lender is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a diverse range of lenders specialising in different loan products, allowing you to borrow money quickly, easily and safely every time. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right loan product for you.

    Have a look at our provider pages to see our full list of lenders.

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