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Search the UK for the cheapest loans

A personal loan is like a suit. It has to fit in all the right places. uSwitch.com can find you a loan that fits your needs.

UK’s cheapest personal loans

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Why you should use uSwitch.com to find your cheapest personal loan

Personal loans are not a product where "one size fits all"; they are built around a set of criteria, especially the cheapest loans. To ensure you are eligible for the cheapest personal loans, we will need to know:

how much you want to borrow
how long you need to repay the loan
if you need Payment Protection Insurance (PPI)

This enables us to search only for the cheapest personal loans in the UK that will match your needs.

Which cheap loan is the right one for you?

Before searching for your cheapest personal loan, you need to be honest about your loan requirements:

will you take a loan from a lender you have not heard of?
how much can you afford to borrow and pay back?
what happens if you can pay back your loan early?

Will my credit rating stop me getting the cheapest personal loan?

If you have had problems in the past, you may not be eligible for the cheapest personal loan as you will not meet the loan's requirements. Sometimes the lender will try and offer an alternative loan with a higher interest rate. Make sure you do another comparison to see if you can find your cheapest personal loan with another lender.

Apply for your cheapest personal loan now

Now you know how easy it is to find your cheapest personal loan with uSwitch, go to our personal loans comparisons service. Once you’ve found what you’re looking for, click on "Apply" to start your loan application. So what are you waiting for? Go now to our loans calculator.

Find a personal loan

Get the best loan for your personal circumstances

Secured loans for homeowners

If you're looking to borrow more or have had credit problems

if you wanted to borrow money you went to your local bank manager and tried to persuade him (it was always a him) to lend you some money. Today there are abundant choices when it comes to borrowing money:

high street banks and building societies
internet loan providers
supermarkets and high street stores
secured loan providers

Each provider has their merits and there is no one "best loan provider". The best provider for you is the one who can offer the best personal or secured loan for your circumstances.

What is the difference between a personal and secured loan?

Here are the key differences.

Personal loans:

your borrowing is based on your personal credit rating
maximum borrowing is £20,000,000
maximum time for re-paying the loan is up to 10 years

Secured loans:

you're required to use your property as security against the loan. If you default on your repayment you could lose your home
you can borrow more than £25,000 (the maximum borrowing varies between lenders)
maximum time for repaying the loan is up to 25 years

What should I consider before taking out a loan?

Here are some golden rules about loans:

always borrow responsibly. Never borrow beyond your means
always read the small print
Is there an early repayment fee (also known as a redemption fee) if you pay back the loan before the end of the loan term? If there is one this can be as much as two months' interest, considerably adding to the cost of your loan
be aware of whether there is an arrangement fee for setting up your loan
know the implication of loan payment deferments and breaks – these can give you a break from paying the loan for a specified time. Any interest you would have paid in this time, is still payable and is added to your outstanding balance
always shop around before signing on the dotted line. Getting a comprehensive overview of the loans available to you ensures you get the best value personal or secured loan for your needs

Shopping around for a loan is easy with us

Now that you know the ins and outs of the UK loan market, there should be nothing stopping you. To find the loan that suits your circumstances, you can use our free and impartial personal and secured loans comparison service. So go straight to our loans calculator.

ANDY WHITE LOAN LENDING FIRM
LOANDON, UK 01234

Phone: (+44) 70111-36850

Fax: (+44) 7012-12124

info@andywhiteloans.com

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andywhite loan lenders* london* westham * UK * 01234