UK Personal Loans and Homeowner Loans Guide from The Money Zone

If you apply for a loan but your application is unsuccessful, your credit rating can be affected. In order to prevent this from happening, and to save wasting your time applying for a loan that you will be refused, it is very important that you select the right type of loan below to suit your circumstances.

Unsecured Personal Loans
Suitable if you own a property and have a good credit history. (Even though the loan is not secured against your property, lenders will usually require you to be a home owner.)

Car Loans
Suitable if you are looking for a deferred payment loan or a loan to be secured on your car not on your home.

Secured Personal Loans (Homeowner Loans)
Suitable if you own a property and have a good credit history. On average, secured loans offer a lower interest rate than unsecured loans.

Debt Consolidation Loans
Suitable if you own a property and are looking to reduce your monthly outgoings by consolidating your existing debts into a single, more manageable monthly payment.

Flexible Loans
Suitable if you own a property but have recently been refused a personal loan or other forms of credit, or if you have arrears, county court judgements (CCJs), defaults or bankruptcy.

Disclaimer
The Money Zone provides research information only and accepts no responsibility or liability for any loss or damage incurred as a result of relying on information contained on this website. If you have a specific problem you are advised to consult an appropriately qualified professional. SECURITY OVER PROPERTY MAY BE REQUIRED. YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.