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Questions about personal loans and taking out a personal loan

Personal Loan... Your questions answered

We have put together a list of the most common questions asked when taking out a personal loan, and when paying back a personal loan.

If you have a general question regarding personal loans, which is not answered here, please e-mail us on and we will try to help you.

Why look for a loan here?
  • Apply for loan 24 hours a day, 7 days a week
  • No obligation to take loan offered
  • Flexibility to pay off loan early
  • Problems with credit? We can help there too
  • Fixed rates available. Deals on fixed rates are limited

Find your loan in 2 minutes...

I've read all I want to... Where can I find some lenders to apply to on-line?

Where can I find details of mortgages for my Council house or Housing Association House?

Where can I find out some more information about credit cards?

I want to know roughly how much my monthly payments will be, so I can work out how much I want to borrow?

I am having a few problems repaying my personal loan, what can I do?

I've had a few repayment problems in the past, can I have still have a personal loan?

What does Loan Payment Protection Insurance or PPI mean?

I've heard about fixed rate personal loans, what does this mean?

All the loan companies talk about secured and unsecured loans. What exactly is an unsecured personal loan...

... and what is a secured personal loan?

What happens if I need a new car, or something, during the loan period. Can I borrow more money?

I'm not sure what my credit rating is (I think it might be a problem). How can I find out what my credit rating, or credit score is?

Can I improve my credit score, or credit rating before applying for a personal loan?

Once I've got my loan, can I spend my personal loan on a car, holiday, or just spend the cash?

People talk about debt management, what is debt management?

What do all these terms mean that finance companies keep using?

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