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With unsecured loans, the loan isn’t taken out against any asset, so your lender can’t take away your assets if you fail to make repayments. However, any late or missed repayments can negatively impact your credit score and your ability to borrow money in the future, so it’s still unwise to borrow money that you’re not sure you can repay.
Common types of unsecured loans include personal loans, credit cards, and overdrafts. All of these loan types can be helpful if you want to borrow a smaller amount of money on a shorter-term basis. People use unsecured loans to pay for things like weddings, home renovations, and cars.
The amount a lender is willing to offer you is based on several factors, including:
Maximum Representative APR 1625%.
Representative Example: Given a Representative APR of 1271%, if you borrow £300 over 6 months at 292% p.a. (fixed), you would owe 6 equal repayments of £96.39. You will repay £578.36 in total.
Loan terms lengths between 3 and 60 months.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY
With so many different types of unsecured loan deals out there, how do you know which one is right for your needs? Fortunately, that’s where we come in…
Consumer Experts is a UK-based consumer comparison service. We have already helped thousands of people compare and save on a variety of products and services, including both unsecured and secured loans. To start your search and find the most suitable unsecured loan for you, start our two-minute form by clicking below.
We are Consumer Experts and we are dedicated to helping people across the UK compare and save on a range of essential services. We do this by working with industry leaders to provide you with quotes tailored to you and your unique needs.
By using your personal details, we’re able to ensure that the offer you get suits you. Your own needs are different to those of someone else, and we believe in getting you not just a deal, but one that meets your needs.
We could find you a suitable loan from one of our partners, who will provide you with an offer based on your personal circumstances. To start your search and find the most suitable unsecured loan for you, start our two-minute form.
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