Archive for August, 2008

Finding the best loan rates from the UK’s main lenders.

There are 100’s of financial service providers in the UK offering loans and mortgages and with over 80 specialist personal loan lenders finding cheap loan rates can be confusing.

The rate you are offered on a loan will normally depend on your credit rating as  many lenders have what is called a price for risk policy. This is where they will advertise a range of products and will offer different loan rates depending on your personal circumstances.

For example if you have bad credit such as ccj’s or defaults a lender may not offer you the rate advertised but they may still have a higher rate loan that they can offer meaning you can still get a loan.

With so many different options using a free loan search offered by a broker such as Decisionloans.co.uk can help to find you low loan rates without you having to apply for numerous lenders. This is because as brokers we have access to hundreds of loan plans from different lenders and can find you the best loan rates with just one search.

Once we have found loan rates that suit your circumstances we can contact the lenders on your behalf and they will be happy to consider your application quickly as they will know that we have already checked your suitability for the loan and will have gone over the options with you prior to your application.

Once approved you could have your money in no time and our skilled loan team will organise any paperwork on your behalf. Apply today and let us help you select the best loan rates today from te hundreds of secured loans and unsecured loans we have available.

Decisionloans.co.uk - helping you make the right decision.

Helping to find you loans with lower rates - saving you money.

There are many reasons to take a loan, it could be that you are looking to consolidate your debts to make life cheaper. Maybe you are looking to extend your home or buy a new car. With the cost of living in the UK becoming so expensive to save money quickly for the things you need has become more difficult and sometimes you need money the money for something and saving just isn’t an option.

When this situation occurs credit cards or loans are the typical option. Credit cards tend to have high interest rates although if you can afford to pay the whole amount borrowed at the end of each month they can be a good option although for those looking to borrow higher amounts loans are more commonly used.

There are lots of different loan options available as loans from different lenders vary in great degrees. There are over 80 loan lenders in the UK - each offering different loan plans and products.

Decisionloans.co.uk offer a free online loan search of over 550 loan plans from the UK’s top lenders. This search covers both secured loans and unsecured loans for both homeowners and tenants and is designed to find you the cheapest loan for your circumstances from the best low rate loan lenders available.

If you are looking for the cheapest way to borrow £25,000 you may find that our search finds you the lowest rate available and saves you checking the interest rates of loans from numerous lenders. A free search from decisionloans.co.uk can find you cheap loans with any amount ranging from £500 to £250,000 in seconds and by taking a free quote you are under no obligation to take a loan. You are free to take your time to consider the options and the rates on offer before deciding if any of the loans offered are right for you.

Apply today for your free search and compare 100’s of loans in seconds.

Find cheaper high risk personal loans online in seconds.

There are over 80 personal loan lenders in the UK and literally 100’s of loan plans available with both secured loans and unsecured loan options available to chose from. These personal loan lenders offer some fantastic low rate loans for people with good credit ratings. However the options for those that lenders class as high risk are more limited - but there are high risk personal loans available at reasonable interest rates.

A lender may class people as high risk if they have any form of bad credit. This bad credit could range from a ccj, or default on a previous loan or mortgage or arrears on any credit agreement. If you have had credit problems your options may be limited to bad credit loans (or high risk personal loans).

Not all lenders offer high risk personal loans but some lenders actually specialise in offering loans to people with credit problems although as you may expect these loans are normally more expensive than loans for people who do not have credit problems.

The rates offered on high risk personal loans vary from lender to lender and will also change depending on the severity of your credit problems. Some bad credit loan lenders don’t load the rates too heavily - especially if you are a homeowner and are willing to take a secured loan (which is secured against the equity in your property). Low rate loans are available.

Possibly the best way to find a low rate loan if you have bad credit is to use a free online search website such as Decisionloans.co.uk. We can search 100’s of loan plans for you including good credit loans and high risk personal loans from numerous lenders to find you a great deal.

Tenants and homeowners apply today for your free loan quote and find a cheap high risk personal loan to suit your circumstances in seconds.

Compare Loans before applying to get the best deal.

With so many lenders in the loan market place, all offering different rates and specialising in different products (good credit loans, bad credit loans, secured loans, unsecured loans, personal loans etc..) it is important to compare loans before deciding which one is suitable.

One of the most important factors to look at when comparing loans is the typical apr. This is the interest rate on the loan that you will be paying and the lower this figure is the better. If you have an excellent credit rating you are more likely to be able to get a low rate loan than if you have had credit problems.

A good loan broker can normally help by searching the loan market for you to find you the best loan deals. With access to hundreds of loans for both good and bad credit a broker could compare loans for you in minutes and could save you hours of research and possibly thousands of pounds by finding you a lower rate loan.

If you are a homeowner you will normally have more options and more loans to compare as homeowners can apply for both secured loans and unsecured loans. It is common for secured loans to be cheaper than unsecured products although a broker can compare loans rates for you so that you know exactly how much you could save by securing the loan against your property.

Tenant loans do tend to be slightly more expensive although there are still cheap loans available from numerous lenders and it is important to compare loans before applying to be sure that you do not pay over the odds.

For your free online search of the loan market complete our short form above and let Decisionloans.co.uk compare loans for you in seconds. We help thousands of people every month to find a great loan deal.

A free offer to find you the best loans available in the UK.

Help is at hand to help you find the best loans for your circumstances. Decisionloans.co.uk has a free loan finding service to help people just like you to get the best loans available for your individual credit score.

Your credit score can affect the rate you are likely to be offered when applying for a loan and if you have bad credit it could stop you getting the very best loans. You can find your credit score by going to one of the online credit agencies and paying them a fee although many people will already have an idea of how good their credit is.

For example: If you have had no problems getting credit in the past you may assume you have good credit and can get the best rates – however if you have missed lots of payments on credit agreements you may already know that your credit is poor which may limit you to applying for bad credit loans.

Either way – because our free service covers 100’s of cheap loans and plans from the top lenders you can be sure that if you get a quote from us we will show you the best loans available to match your credit score. Our service compares secured loans and unsecured loans to offer you the best loan deal.

Also because our low rate loan search is personalised to your circumstances you will also know that we are only showing you loans that you will be accepted for. This is very useful as there is no point in you applying for a really cheap loan that is designed for people with good credit only to be turned down. Similarly if you have good credit you want to find the cheapest way to borrow the money and we can find you the best loans available.

To get your free quote online simply fill in the short for and let us get your quote to you – you could have your cheap loan quote in seconds.

The only place to go for cheap rate loans.

When applying for loans, rates and terms will often vary making deciding which lender to apply with more difficult. To find cheap rate loans your best bet can often be to use a brokers free search facility.

This is where a loan brokers website will use software systems to scan hundreds of loans on your behalf to find you cheap rate loans in seconds. These specialist loan sourcing systems will also take into account your own personal circumstances. This can be a real help as they wont just come back with the cheapest loans on the market. Instead the search results will contain only loans from lenders who are likely to accept your application.

This tailored search is particularly useful if you have had credit problems in the past as it will search all the options including bad credit loans and good credit loans to find you the cheapest loan available. The search will include, cheap rate loans, secured loans and unsecured loans to let you compare the rates and terms to find the best loan deal available.

Cheap rate loans are available as both tenant loans and homeowner loans and bad credit does not necessarily mean that your rate will be very expensive. Lots of lenders cater for both good and bad credit and offer cheap rate loans for both - although as you may expect bad credit loans will normally be slightly more expensive.

To get your free search online today complete our short form and our sourcing system will start looking for cheap rate loans that suit your circumstances straight away. You could have your quote in seconds and if you apply for the low rate loans we find you could have your money very quickly!

Find cheap default loans online in seconds.

Defaults on your credit score need not stop you getting a loan –finding cheap default loans online may be the answer.

To default on a credit agreement is a fairly common occurrence and many people in the UK default on credit payments and loans every year. This could be because they have missed a bill payment by accident or perhaps they have had a bad month at work and couldn’t pay a bill on time that month.

Missing bill payments in this way can leave a mark on your credit score called a default and can make obtaining further credit harder to obtain. There are however lenders who will lend to people with defaults at reasonable rates – these lenders normally specialise in bad credit loans and default loans.

Finding lenders willing to lend to people with defaults (default loans) can be difficult as many high street lenders and banks see default loans as high risk and will not consider bank loans for people with bad credit.

Possibly the best way to find the cheapest specialist default loans is to visit a loan broker online. Companies like Decisionloans.co.uk have access to hundreds of loans from both high street lenders and specialists in bad credit lending and can help with most circumstances.

Decisionloans.co.uk help 1000’s of people every month to find the right loan and can find default loans for people looking for low rate loans in minutes.

Both homeowners and tenants can benefit from a free loan search to find the cheapest default loans however homeowners may be offered slightly lower rates as our search includes both unsecured and secured loans (secured loans for homeowners can be a cheaper option).

For your free default loans search complete the form and have your free online quote in seconds.

It makes sense to compare loans online before applying.

It is a common misconception that a bank will always be the cheapest place to find a loan and will offer the very best rates available. While it is true that some banks do offer very competitive rates there are over 100 lenders in the UK offering both secured loans and unsecured loans.
 
These lenders range from banks and building societies to large high street supermarkets and major brands (Sainsbury’s, Virgin and Tesco for example). With so many sources to find loans available to compare loans has become even more important than ever.

There are a few ways to compare loans, you could sit and go through all of the lenders websites yourself or call them on the telephone. These options are both time consuming although they can be an effective way to compare loans if you have the time.

Another solution is to use what is known as a finance aggregator, this is a website that lists the rates of the available lenders for you so that you can see which is the cheapest loan for yourself.

This is a popular time saving option and can get you a good deal – it will not however tell you which loans you will be accepted for and depending on your credit rating you may compare loans that are not suitable and will have your application declined if you apply.

Using a loan broker is becoming a more popular option as with just one search they can compare loans and 100’s of loan plans from the top lenders. What’s more a good loan broker will compare both personal loans and secured loans so that you can decide which option is the cheapest.

Perhaps the best thing about using a loan broker to compare loans is that they can tell you the loans you are most likely to be accepted for, this can speed up the loan process and could actually protect your credit rating.

Decisionloans.co.uk offer customers a free loan finding service with no obligation and could help you find low rate loans in seconds. Complete the short form now for your free online search.

Taking the lead in finding fast personal loans.

When you are applying for a loan it is hard to know how long you will be waiting for your money. Many companies advertise fast personal loans and instant approvals as a way to get customers to take their loans and sometimes the price of a ‘fast service’ is a higher typical apr on your loan.

If speed is important to you it is still worth ensuring that the loan you are applying for is as competitively priced as possible as it is still possible to get a great rate and fast service. Fast personal loans need not be fast ‘expensive’ loans.

The speed at which you receive your money will often depend on paperwork and the speed at which your application is processed. Some loan providers offer fast personal loans where you can actually receive the money the same day – but this service is often saved for priority customers.

If you are not a priority customer you may wish to speak to an expert who can tell you, not only where to find low rate loans, but how quickly they are likely to complete.

A quality loan broker such as Decisionloans.co.uk will have access to hundreds of cheap loan plans and will check your credit score to source fast personal loans at the lowest rates possible. They will also find you a loan that you will be accepted for first time. This is useful as being declined for a loan will only slow down the process and will delay you getting your money.

If you would like a free online loan quote simply fill in the short form and we will start searching for fast personal loans, you could have your best quote within seconds. Our search covers both unsecured personal loans and secured loans to allow you to compare the difference in price. Finding the right loan could save you thousands.

Black horse secured loans are one of the top secured lenders.

A secured loan is a great way for a homeowner to use some of the value in their home to secure a really low loan rate – this is especially useful if you are borrowing an amount over £10,000 as it can lower your repayments substantially.

As one of the UK’s top lenders Black Horse secured loans offer some of the most competitive rates on the market and can be a great option for homeowners wishing to take out a loan.

Their efficient staff and large loan handling centre is there to ensure that if you apply for one of their low rate black horse secured loans you will get your money quickly.

So how do you know if Black horse secured loans are right for you or if you may be able to find cheaper loans elsewhere?

Decisionloans.co.uk offer a free online loan search that will compare the rates of black horse secured loans against the UK’s other top lenders in seconds to tell you which is the cheapest.

If you find that black horse secured loans are perfect for your circumstances then you can apply online and your loan application will be dealt with swiftly – however your free loan search will cover 100’s of secured loans and personal loans so it is possible that we could find you a lower loan rate than Black Horse loans can offer.

To apply for your free search and to compare black horse secured loans against the market simply complete our short online form and let decisionloans.co.uk start searching today. You could have your quote in seconds.