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Features And Benefits Of Being Approved For Loans
There are varying features and benefits that come with being approved for a loan, and each benefit and feature depends on your personal loan needs and circumstances. Some people’s circumstances determine that they are eligible for homeowner loans, these loans are usually longer term loans will lower monthly repayments as they are spread over a longer period of time. However some people are eligible for smaller loan amounts but with higher repayments over a shorter period of time, meaning their loan is repaid earlier.
Some borrowers have exceptional credit ratings, and therefore benefit from low APR’s. The APR is the Annual Percentage Rate and is a percentage amount added to the amount you borrow. The APR is usually higher for those with a bad credit rating, however if the monthly repayments are paid, with no missed or late repayments, a loan may help you demonstrate to future lenders that you can maintain repayments.
Before applying for a loan, please consider the following;
An unsecured loan is available to both homeowners and tenants. The fact that its unsecured means that you are not at risking losing your home if you find that you cannot meet your repayments during the term of the loan. Even with a poor credit history you could still be approved for an unsecured loan.
Read about Advantages and disadvantages of Unsecured Loans
A secured loan is only available to homeowners, it means that if you are unable to repay your loan you may be at risk of losing your home, therefore it is extremely important that you consider whether you can realistically afford a secured loan. These loan amounts usually vary from £1000 to £25,000.
Read about Advantages and disadvantages of Secured Loans
Debt consolidation loans are loans used to pay off all of your existing debts, leaving you with just one affordable monthly payment. This type of loan is a great solution for those wanting to regain control of their finances and protect their credit rating. Borrow from £1000 to £25,000.
Read about Advantages and disadvantages of Consolidation Loans
Things to consider if getting a loan:
Always make sure:
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THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.
PLEASE THINK CAREFULLY BEFORE SECURING LOANS AND OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. SECURITY MAYBE REQUIRED.
ALL LOANS ARE SUBJECT TO AN ASSESSMENT AND CREDIT APPROVAL.
ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND STATUS.
REPAYING YOUR DEBT OVER A LONGER PERIOD OF TIME MAY INCREASE THE AMOUNT YOU PAY.
WARNING – LATE OR MISSED PAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS AND COULD SERIOUSLY AFFECT YOUR CREDIT RATING. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK
EASY LOANS COMPANY ACT AS A BROKER PROCESSING THE INFORMATION THAT YOU PROVIDE TO US AND PASS THIS ON TO OUR LIMITED GROUP OF THIRD PARTY LENDERS AND BROKERS.
WE DO NOT CHARGE A BORROWERS FEE FOR THE USE OF OUR BROKERAGE SERVICES, HOWEVER WE DO RECEIVE COMMISSION FROM LENDERS (OR OTHER BROKERS) WHEN BORROWERS SIGN INTO A CREDIT AGREEMENT FOLLOWING AN INTRODUCTION THROUGH THE EASY LOANS COMPANY WEBSITE.
IN THE CASE OF SECURED LOANS THE FEE RECEIVED MAY BE UP TO 7%. TELEPHONE CALLS FROM UK LAND-LINES ARE USUALLY FREE, HOWEVER CHARGES VARY FROM MOBILE PHONES SO PLEASE CHECK WITH YOUR NETWORK PROVIDER. CALLS MAY BE RECORDED FOR TRAINING AND MONITORING PURPOSES.
AS OPERATOR OF THIS WEBSITE, EASY LOANS COMPANY IS NOT AN AGENT OR REPRESENTATIVE OF CONSUMERS OR ANY LENDERS AND THEREFORE DOES NOT ENDORSE THE SERVICES OFFERED BY SPECIFIC LENDERS.
www.easyloanscompany.co.uk is a registered Trading Name of Nationwide Direct
Financial Limited which is an Introducer Appointed Representative of Quint
Group Limited, and is entered on the Financial Services Register under
reference number 723650. Quint Group Limited is authorised and regulated by
the Financial Conduct Authority and is entered on the Financial Services
Register under reference number: 669450. Nationwide Direct Financial Limited
is registered in England and Wales (Company number 05999918), Registered
Office; Manchester House, 84 Princess, Street, Manchester, Greater
Manchester, M1 6NG. Licenced by the Information Commissioners Office,
(registration number Z9808421).
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details on the FOS can be found on its website at www.financial-ombudsman.org.uk.
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Common Search Terms used include: BAD CREDIT LOANS | LOANS FOR BAD CREDIT | LOANS WITH BAD CREDIT | LOANS BAD CREDIT | BAD CREDIT
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