Student Loans Directory
- Unsecured Loans
- Secured Loans
- Bad Credit Loans
- Debt Consolidation
- Car Loans
- Tenant
Loans - Business
Loans - Student
Loans
Barclayloan Plus
Whether your looking to buy a new car, do some DIY or consolidate your debts, you can now take advantage of their unsecured personal loans As you’d expect, they’re offering a great rate of 8.9% APR typical - but that’s not all. If you’re buying a car or other motor vehicle, they also have some great additional offers that will keep you on the open road.
www.barclays.co.uk
ACF Car Finance
Whatever your situation Approved Car Finance can help you. Easy on-line application gets you on the road sooner. Get £350 cash back and £1,000 minimum part exchange PLUS a £20 Cinema voucher. Hurry, offers end 31st October 2005. 100\'s of cars in stock at branches nationwide. Apply online, drive away same day.
www.approved-car-finance.info
Experian Credit Report
Get a free credit report and 30-day free trial of CreditExpert. With CreditExpert you get unlimited access to your Experian credit report and you know your credit history before you apply for credit. CreditExpert is the only credit monitoring and identity fraud protection service of its kind, it\'s simple to use and it\'s free for 30 days.
www.experian.com
Accepted
Fill in your details on our quote form. It will take no more than 5 minutes, and allow us to select the best secured loan from our lenders. They'll search from over 100 different personal loan plans offered by 12 of the leading finance house subsidiaries of major UK banks such as Lloyds TSB, Barclays & HSBC. If you like what we find you, the they'll send you the paperwork to apply for your loan!
www.accepted.co.uk
Provident Personal Credit
Quick as a click - apply online for cash loans from £50 to £500. No surprises - home collection cash loans, no hidden charges. A name you can trust - established for 125 years.
www.providentpersonalcredit.com/
Lombard Direct
Their unsecured internet loans range from £7,500 to £14,999, with a typical 7.8% APR. Rates reflect your circumstances and loan amount and you can be safe in the knowledge that you\\\'re with an award-winning provider. Their interest rate stays fixed over the loan period, which can be up to 7 years.
www.lombard.co.uk
Tenantloansuk.com
They welcome applications from private tenants, housing association tenants, council tenants and armed forces tenants. They can source unsecured loans, from £250 to £25,000, for any purpose.
www.tenantloansuk.com
Moneyback Bank Loan
Unsecured personal loans of £7500 to £20000 with repayment over 1 to 5 years. Earn up to £200 moneyback if you take out personal loan protection. Quick and easy online application. 7.6% APR Typical.
www.moneybackbank.co.uk
Debt Consolidation Loans
Experts in providing debt consolidation loans. Replace your existing debts with one, easy to manage loan with lower monthly repayments. Loan rates start from 6.9%. They also offer online advice to help you resolve your debt problems, and guidance on where you can get further, free advice.
www.debt-consolidation-loans.org.uk
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Student Loans Explained
Aside from government arranged loans available through local education authorities (LEAs) designed to contribute towards tuition fees, living expenses and other costs relating to studying, it can be incredibly difficult for a student to obtain a loan from a high street loan provider. This is because few students are homeowners and so ineligible for secured loans. Additionally, very few students undertake contractual employment and so do not have a sufficient level of income in place to meet the requirements of unsecured lending.
Because of the enhanced post graduation prospects of students, there are some lenders who are willing to offer unsecured loans to this group. However, these are often at elevated interest rates compared to those offered to individuals in full time employment.
The monthly repayments of a student loan are likely to depend on the amount borrowed, the term over which the loan is extended and the interest rate applied. Most student loan providers offer the facility to use a repayment calculator to work out the likely monthly repayments so you are able to decide realistically how much you can afford to borrow and repay each month. It is important to remember that aside from any optional repayment holidays (which if available, only span a couple of months), the repayments of an unsecured student loan must commence after the loan amount has been credited to your bank account.
The student loans described above provide a realistic way for students to borrow a lump sum for things such as buying a car or computer or for consolidating credit card debts. However, there is also a shorter term borrowing facility available to students. These are known as 'pay day loans' and can be useful for supplementing income for a short time.
Pay day loans provide cash advances of anything up to several hundred pounds and are designed to tide you over until you are paid or receive funds from a student loan instalment. However, these do attract particularly high rates of interest so should only be used as a very short term borrowing solution for those likely to have imminent access to funds sufficient to repay the loan completely.
As a student it can be tempting to take advantage of student loan facilities such as those described above. It is however important to remember that you should only ever consider taking out a loan if it is for a specific, necessary purpose and if you are confident that you will have the funds in place to meet the monthly repayments. Meeting repayments throughout the loan period is essential as falling behind will have a negative impact on your credit record and is likely to adversely affect your ability to borrow and access credit in the future.
