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Which loan's right for you?Finding the right loan can sometimes be tricky. We're here to listen to what you want ? how you want to run your life. We'll search the loan companies to find you a great deal - tailored just for you. |
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Apply Online:
Or we can call you back:
Want to speak to us now? Call: 0845 234 2002* |
MY benefits
- You get low interest rate with a secured loan
- Lower your monthly repayment by borrowing over the longer term
- Consolidate your existing loans into a secured loan and cut your monthly credit bill by 50%
Typical 11.9% APR variable. Rates from 7.9% APR to 17.6% APR variable.
Also see:
Useful Guides
> Guide to family finances
By repaying your borrowing over a longer term you could increase the overall interest charges.
First, let's guide you through
a few questions
Are you looking to borrow a lump sum for a purchase? > Yes? This way
or
Do you need to reduce your monthly credit bill? > Yes? This way
Two types of loan are typically available:
| Key questions to consider | An unsecured loan | A secured or homeowner loan |
|---|---|---|
| How much do you
want to borrow? |
£1,000 to £25,000 | £5,000 to £100,000+ |
| Over how long do you
want to borrow the money? |
over 1 to 5 years | over 5 to 25 years |
| How quickly do you
need the money? |
Within 5 days of application | Within 9 to 21 days of application |
| Are you a homeowner? | For tenants or homeowners | For homeowners only |
By spreading your loan over the longer term your monthly repayments can be reduced. However, your overall interest charges with increase.
Your answers to these questions will determine the loan that's right for you ? that's where itsMYmoney comes in.
With a host of loan companies and a range of interest rates, dependent upon your personal circumstances, we'll can search the loan companies to find the right loan for you.
What's the difference between a secured and unsecured loan?
A secured loan is for homeowners with a mortgage. With a secured loan the finance company will be granted a legal charge over your home, which means that they can repossess your home if you do not keep up repayments on the loan. Finance companies call this the security. In return for this security, finance companies offer interest rates typically less than those offered for an unsecured loan. So, with a secured loan the monthly repayments are typically less than those of an unsecured loan and these are typically spread over a period from 5 to 25 years. Secured loans of between £5,000 and £100,000 are typically available. Unsecured loan of between £1,000 and £25,000 are typically available.
Is the application process simple?
Yes, with itsMYmoney it's very simple. Our experienced team will take you through the application process over the phone. We'll explain all the options in full so you feel best informed to make the right decision that suits you and your family.
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