Halifax moneyback Current Account

Halifax are the first bank in Europe to offer you moneyback when you make purchases on your current account debit card!

Do you regularly use your debit card to buy the groceries, pay for petrol or perhaps splash out on clothes? Would you like to be rewarded with moneyback each time you make a purchase using your current account debit card? If so, then this great new current account from the Halifax could be the one for you.

And if you already have a current account with another bank, they'll handle the switching process for you.

The Halifax moneyback Current Account gives you:

• 1% moneyback on your debit card purchases in both the UK and abroad+


• 0.50% AER/gross* variable credit interest rate


• An overdraft facility++


• Debit card with £100 cheque guarantee facility and cheque book available on request


• Access to just about every cash machine in the UK and thousands more worldwide


• 24 hour telephone and online banking so you can access your account whenever you choose


• Access to all our branches so you can talk to someone face to face

Citibank Direct Current Account

Simple isn't a word you'd usually associate with a bank account. But that's exactly what makes the Citibank Direct Current Account different.

It's easy to manage and offers a competitive interest rate of 4.59% AER (4.50% gross), with no catches and no strings attached. All of which makes it easy to earn money too. Simple.

Easy to manage

Dealing with your bank shouldn't be difficult, but it often is. Whenever possible, we'll take the hassle out of managing your money, whether that's by transferring your standing orders for you or just by offering an efficient, personal service.

Simply the best

At 4.59% AER (4.50% gross), not only do we offer one of the best current account interest rates in the market, but our rate is better than many savings accounts too. Comparison Table.

Just an everyday thing

You earn the same great rate on any balance you have in your account, whether it's £1 or £100,000. As interest is calculated daily, you can be sure that you're earning something every day.

Your terms and conditions, not ours

You manage the account on your terms, not ours. We're not looking for any commitment from you upfront - there's no minimum deposit required and you don't need to give us your salary every month.

Your choice

You can use our Citibank Online service to access your account. Or, if you'd prefer, you can speak to one of our personal bankers, who are available 24 hours a day and have got the authority to get things done for you.

You'll also receive a VISA debit card, enabling you to make purchases and to withdraw money from over 44,000 LINK cash machines in the UK and over 840,000 VISA and LINK ATMs worldwide.

Halifax Web Saver

Web Saver is now an award winning account! Moneyfacts, the UK's leading financial website, has awarded the Halifax "Best Internet only Account Provider". Now you have even more reason to open a Web Saver online now!

The Halifax Web Saver offers you a rate of as much as 4.90% AER/gross per annum. You can easily manage your accounts via the online control panel and pay bills, setup direct debits and standing orders.

You can also spread your money between fixed rate and variable rate options to suit your circumstances, something very few saving account providers offer.

Summary

• Rates of 4.90% AER/gross p.a. (if you invest £1 or more in a variable rate option without card), or 4.85% AER/Gross p.a. (if you invest £500 or more in a one year fixed term option)


• Through the online service, you can pay bills direct from your Halifax Web Saver and view your account online


• Stay in control of your savings over the Internet


• Spread your money between variable and fixed rate interest options to suit your needs


• Check your balance and, for variable options, transfer money to other Halifax accounts whenever you like


• Keep track of your savings by naming each Halifax Web Saver option as you wish

Applying for the Halifax Web Saver

The registration process is straightforward and easily completed. When finished, you can then log into your account(s). All accounts held with the Halifax are clearly listed on the screen, stating their current balance. To get started, simply click the link below:

Apply for your Halifax Web Saver now

First Direct Current Account

Who are First Direct?

First Direct were one of the pioneers of Internet banking and are backed by the HSBC group. As such they have a wealth of experience and knowledge in the banking sector and offer a good service.

The First Direct Current Account

The First Direct Current Account is a bank account offering everything you need to manage your day-to-day money. As soon as you sign up via the First Direct website you are credited with a free £25 gift from First Direct. You also get an automatic £500 overdraft at a competitive rate of 2.00% AER (1.98% gross) interest on credit balances and overdrafts at only 9.9% EAR.

Once you're all signed up you can bank online via the First Direct website or via telephone, giving you 24/7 access 52 weeks of the year. The telephone banking is great because you get to speak to a real person should you get into a jam. Plus of course you have the option of popping into a HSBC branch for assistance.

You also get a debit card with your account that you can use to withdraw as much as £500 cash a day from Link ATM machines.

The more you review the First Direct Current Account the more you begin to find yourself getting very excited about this service and starting to feel the urge to apply now.

Summary

• free day-to-day banking


• automatic fee free £500 overdraft - subject to status. 10.9%EAR variable


• £500 a day cash machine withdrawals


• bank online, by telephone and text message


• they help you transfer your salary, standing orders and direct debits


• up to 2.00% AER (1.98% gross) interest on credit balances


• card with chip and PIN technology for greater security


• a 15 year proven track record of satisfied customers

Applying for the First Direct Current Account

You can apply for a First Direct current account via the web, telephone or post. The application process is relatively straight forward, and remember you get that free £25 to start you off. To start the process simply click on the link below:

Apply for a First Direct current account now


Compare First Direct current accounts with other current accounts

Cahoot Current Account

With a Cahoot Current Account your money will be working harder for you, as you'll be earning up to 4.3% on your current balance. Your Cahoot current account also comes with an automatic interest free overdraf of £250 and free purchase protection.

You can access your account details 24/7 throughout the year and you can even use the Cahoot Current Account Webcard to shop online without needing a credit card.

If you're worried about accessing your money from the high street you can use around 40,000 Link machines to get to your cash. At the time of writing this service was offered free of charge.

Another nifty feature is the mobile phone services offered by Cahoot. Not only can you access your bank details via your phone but you can also get personalised SMS text messages regarding your account.

Summary

• High in-credit rates.


• Automatic £250 interest-free overdraft.


• Simple steps to switch to cahoot.


• Free purchase protection.


• Receive personalised account alerts via email and mobile text messaging.


• Free use of 41,000 LINK machines in the UK


• Use your webcard to shop online without your plastic.


• Bank online or use their mobile banking and automated telephone services, 24 hours a day.


• Maximise on your interest; transfer any excess credit each month to your cahoot savings account.

Applying for a Cahoot Current Account

Applying for your Cahoot Current Account is an easy and straightforward process. Simply click the link below and fill in the questions on the Cahoot website and away you go.




Apply for a Cahoot current account now




See how the Cahoot Current Account compares with other current accounts

Cahoot Savings Account

With a Cahoot Savings Account your money will be working harder for you, as you'll be earning up to 5.1% on all your in-credit balance.

Unlike some banks, your interest is calculated daily so you'll be earning on all your balance at all times, and all interest is deposited straight into your account every month. This great feature means that you can easily transfer any excess funds you have into the account whenever is suitable for you and start earning interest on it immediately.

Accessing your money is simple, you can transfer funds to any other account at any time with no access restrictions. You can access your money 24 hours a day, 365 days a year. No bank holidays, no weekend closing. Your money, when you want it.

If you already have a Cahoot current account then applying for a Cahoot savings account makes perfect sense and enables you to keep all the benefits of banking with Cahoot neat and tidy.

Summary

• Monthly interest deposited directly into your savings account.


• 24 hour access, 365 days a year


• Each month you can transfer any excess funds to your cahoot savings account and maximise the interest you earn.


• If you already have a current account, by also taking a savings account, you can keep all the benefits of banking with cahoot.

Applying for a Cahoot Savings Account

Applying for your Cahoot Savings Account is an easy and straightforward process. Simply click the link below and fill in the questions on the Cahoot website and away you go.

Apply for your Cahoot Savings Account now




PS See how the Cahoo Savings Account compares with other savings accounts

Intelligent Finance Current Account

The Intelligent Finance Current Account offers a rate of 2.75% AER, one of the highest in the UK for current accounts.

As with most other products from Intelligent Finance, if you have their offset mortgage, you can use any credit you have in your current account to reduce your mortgage balance - and so reducing interest payments.

Switching your account to IF is simple as they have a dedicated account transfer team to handle moving your direct debits etc from your old account, to help you make a seamless transition.

Use your Intelligent Finance Current Account to offset your mortgage

By offsetting you can use the balance of your current account to reduce the amount of interest you pay on your offset mortgage. For example, if you have £60,000 outstanding balance on an offset mortgage and £1000 in your current account, by not receiving interest on your current account balance, you won't pay interest on £1,000 of the outstanding mortgage balance.

The more you review the IF Current Account the more you begin to find yourself getting very excited about this service and starting to feel the urge to apply now.

Summary

• An interest rate of 2.75% AER/GROSS Variable, calculated on the basis of daily balances - one of the UK's highest


• Withdraw up to £300 a day from over 800,000 cash machines all over the world


• Debit card, with £100 cheque guarantee facility


• Hassle free move: our dedicated team will ensure all your direct debits and bill payments are moved over quickly and efficiently - and they'll keep you informed every step of the way

Applying for an Intelligent Finance Current Account

There are three simple steps to moving your current account to IF. All they need are a few details from you, and they'll do the complicated stuff. You can just relax and wait for your money to start working harder.

Step 1 Fill in the online application.

Step 2 Sign and date the agreement and pop it in the post

They'll send you an authorisation, which gives them the written permission they need to start moving your account. You just need to sign this, and send it back to them in the pre-paid envelope.

Step 3 Check that all the information they send you is correct, then tell them when you'd like the switch to take place. They'll give you a unique customer number to help you keep an eye on how things progress. Your authorisation allows them to get a list of standing orders and direct debits from your current bank.

Simple as that. To start the process, simply click the link below to apply for your Intelligent Finance Current Account.

Apply for an Intelligent Finance Current Account now

ING Savings Account

Who are ING?

ING direct was launched in the U.K in May 2003. Their parent company the international Netherlands group is one of the world's largest financial services organisations. ING direct is active in 8 countries and now gas over 10 million customers.

Unlike other banks, ING direct does not have any high street branches and this, it claims, is how it can offer such good rates of interest. This does not mean you will not be able to speak to a customer advisor however as ING direct are based in Reading and can be contacted either by post, email or phone.

What about the ING Savings Account?

Open an ING Direct Savings Account with just £1 and you'll be earning interest at the high rate of 5% AER however high or low your balance is. This is a great feature as many banks publicise a high interest rate require you to pay in a certain amount of money each month to quality. The ING Savings Account is different.

There's no need to commit to a regular payment, and there's no fees or restrictions on drawing your money out - you can deposit or withdraw as much as you want whenever you want.

Is the application process easy?

The application process is simple and hassle-free, and the site includes a savings calculator to help you see how much your money could be earning if you moved it to ING Direct.

Summary

• High savings rate of 5.0% AER


• Start saving with as little as £1


• No catches, no fees and no penalties


• No restrictions on your money


• No hassle


• Safe and secure

Tesco Personal Loan

The Tesco loan is a relatively new player in the personal finance market, but is already a popular choice among consumers. Is this just down to the convenience of borrowing at your local supermarket, or is the Tesco loan a good deal regardless? Read on for Finance Choices independent view of the Tesco loan.

Whatever your personal circumstances, you should be able to find a loan to suit your needs - there is something for everyone in the UK loans market. The Tesco loan might be an excellent choice for you, but it depends on what you want from your loan.

The main selling point of the Tesco loan is a competitive interest rate, or APR. The standard rate is one of the lowest around, but a quick search of the offers available from other companies reveals that it is not quite the cheapest. Also, this is a banded interest rate - the rate advertised is for loans of over 7500. Loans of less than this amount will be subject to a higher rate, so it is certainly worth shopping around if you're thinking of taking out a small loan.

You can apply for a Tesco loan of up to 25,000, although the acceptance of your application will depend on your credit rating. This credit rating can be affected by a number of factors, including non-payment of bills, and County Court Judgements.

One of the benefits that attracts Tesco loan customers is the offer of a 'repayment holiday' at the beginning of your loan term. This means that you will not have to start making your repayments for three months from the day you receive your loan amount. This might seem an attractive prospect, but you will save money by starting to repay your debt straight away - while you're avoiding your repayments, the interest will start mounting up.

All in all, the Tesco loan is not a bad prospect - you could do much worse. But you could also do better, especially if you want to borrow a small amount for a major purchase or to pay off existing debts. Also, it is unlikely that you will be accepted for a Tesco loan if you have had debt problems in the past. Whatever your circumstances, you should shop around before applying for any loan - you never know how much money you could save with a lender you hadn't considered before.

Apply for a Tesco personal loan now

Post Office Personal Loan

Thinking of applying for a Post Office loan? Or do you just want to know more about Post Office loans and how they work? You'll need advice before making any big decisions with your cash, so read on for Finance Choices guide to the Post Office loan.

What does the Post Office loan offer?

The Post Office loan gives you a convenient method of borrowing from an established company you probably deal with all the time. Many lenders won't provide very small unsecured loans, but with the Post Office you can borrow from £1,000 to £25,000.

A Post Office loan can be taken out for many reasons - you might need to pay for a new car, a holiday, home improvements or to consolidate existing debts. Whatever the reason, a Post Office loan can cater for it. However, the interest rate you'll pay on your Post Office loan is certainly not among the cheapest around. It is fairly competitive, but you should be able to find lenders whose typical APR is cheaper than the amount charged on a Post Office loan.

Post Office loan customers can benefit from up to two repayment holidays a year. This means that you can defer your payments for a month if you come into financial difficulty or you simply decide that you'd rather the money went towards a holiday, Christmas expenses etc.

How does a Post Office loan compare to the rest?

The Post Office loan is not for you if you want a rock-bottom interest rate, but it's a convenient way to manage and enjoy your finances if you can afford it. It might also be right for you if you want a loan of a very small or very large amount. The only way to find out whether the Post Office loan is perfect for you is to compare all the loans available against your own personal criteria.

How do I compare loans to find the one that's right for me?

The Post Office loan might be just right for your circumstances, but it's likely that another loan might save you more money or offer other benefits that are more appropriate for you. Finance Choices offers a personal loans comparison service that can tell you whether you're making the right decision.

Paragon Personal Finance Secured Loan

The Paragon Group of Companies PLC is a publicly listed provider of consumer finance. Its shares are owned by a wide range of institutional shareholders. Paragon provides secured loans, retail finance and car finance, as well as niche mortgage products in the "buy-to-let" marketplace. It sources its business through intermediaries, rather than direct advertising and promotion, in each of its markets. Paragon has over 600 staff based in Solihull, West Midlands.

Features of the Paragon Secured Loan

This type of loan is secured against the value of the property you own. If you are taking out a secured loan you will usually get a preferential interest rate and should be able to borrow even with a poor credit history.

Also, high loan amounts could be available.

Things to consider about the Paragon Secured Loan

Any loan secured on your property means that your home could be risk if you fail to keep up with the repayments. You should therefore think very carefully about taking out a secured loan, although for very large amounts you may have no choice but to offer your property as security.

Apply now for a Paragon Personal Finance Secured Loan

Northern Rock Unsecured Loan

Northern Rock offer unsecured personal loans at one of the lowest rates in the UK - just 5.6% APR typical.

With the Northern Rock loan you can borrow from £1,000 to £25,000, ideal for paying for a new car, a wedding or a gift for a loved one.

You can spread your repayments out over a period of your choosing, from one year to ten years. This gives you the flexibility to structure your finances how you want to suit your circumstances.

If you need the cash quickly, that's no problem, your funds will be transferred straight to your bank account within 24 hours of receipt of a completed loan agreement.

The interest rate is fixed for the full length of your loan, so the amount you pay every month won't change, making it easier to decide how much you can afford to borrow.

The Northern Rock Payment Protection Insurance cover provides complete peace of mind should anything unforseen happen.

Summary

• 5.6% APR


• Fixed interest rate


• Flexible repayment over as long as 10 years


• Payment protection insurance

Plus you get the great bonus of a 20% discount if you purchase your loan online at the Northern Rock website. To apply now simply click on the link below.

Apply for your Northern Rock Unsecured Loan now

Morgan Stanley Personal Loans

The Morgan Stanley loan is brought to you by an internationally-renowned company with experience in a wide range of financial services, including investment banking and global asset management services. But does the Morgan Stanley loan offer good value for money in the consumer credit market, or does it rely on its reputation to reel in the customers? Read on for Finance Choices impartial guide to the Morgan Stanley loan.

Who's behind the Morgan Stanley loan?

Morgan Stanley employs over 57,000 people in 28 countries worldwide. Specialising in investment and global asset management, Morgan Stanley also offers UK customers personal loans and credit cards.

What does the Morgan Stanley loan offer?

The Annual Percentage Rate you will pay on a Morgan Stanley loan is not the lowest around, but nor is it among the highest. In fact, it's a very competitive rate for a well-established company, but to benefit from the lowest rate you will have to borrow over £5,000. Because Morgan Stanley uses banded interest rates, a smaller loan will be comparatively more expensive. So what other features make the Morgan Stanley loan more competitive than the next one?

The maximum amount you can borrow on the Morgan Stanley loan is £25,000, which is a lot higher than some other lenders will allow. This is great if you want to make a big purchase, but don’t borrow more than you really need with any loan, as you may run into financial difficulties trying to pay it off. If your credit rating is damaged, you may not be accepted for cheap loans in the future.

Will my application for a Morgan Stanley loan be accepted?

If you're concerned about your credit rating, the Morgan Stanley loan might not be the right one for you. It is among the cheaper loans available, so if your rating has been damaged your application may not be accepted. Credit rejections may impact your credit rating further. If you're not sure what state your credit rating is in, go to www.uk.experian.com to find out what details are held about you by credit reference agencies.

How do I repay a Morgan Stanley loan?

If your application for a Morgan Stanley loan is accepted, you will start repaying your loan in the month after you receive it. You can choose your own repayment date and set up a direct debit to manage your payments.

If you decide to repay a Morgan Stanley loan earlier than planned by sending a lump sum, you can settle your debt early without incurring a fee, Not all lenders will allow you to do this.

How do I find my perfect loan?

The Morgan Stanley loan might sound pretty good for you, but there are many more loans on the market. Because of this fierce competition, there may be a loan out there that will save you more money than the Morgan Stanley loan, or will offer you more appropriate benefits.

Intelligent Finance Personal Loan

Thinking of applying for an Intelligent Finance loan? Intelligent Finance is a fairly new company, so you might be wary of borrowing from them. Or you might be unsure about whether the Intelligent Finance loan represents good value. Either way, Finance Choices completely independent advice is here to help you make the right choice.

Intelligent Finance was launched in 2000, and is part of Halifax plc, so if you're worried about borrowing from a brand new company you needn't be. The Halifax is one of the UK's leading established high street banks. It launched the Intelligent Finance loan as a completely online or phone-based venture, so you will need to be happy with managing your account online if you apply for an Intelligent Finance loan.

So, do Intelligent Finance loans represent good value? Well, it depends what kind of loan you are looking for. Intelligent Finance offers two basic types of loan:

• Low interest, but with an early repayment fee if you are able to settle your debt before the loan term expires.


• Higher interest, but without the early repayment fee.

The first Intelligent Finance loan option does give you a good deal on your interest payments. In terms of typical standard APR, this loan is one of the cheapest around, but not quite the cheapest. The APR is fixed, so you will be able to manage your debt easily and won't have to foot the bill when interest rates rise. And you can choose to have your cheque delivered to you the day after you apply. Watch out, though: this service incurs a hefty fee.

Apply for your Intelligent Finance personal loan now

Future Mortgages Secured Loans

Future Mortgages is part of Citigroup, one of the world's largest financial services companies with operations in over 100 countries around the world providing global consumer, corporate and investment banking.

We take a realistic, flexible approach, judging each application on its merits, so we hope you'll find we're willing to listen where some other lenders are not. Of course we're professional and prudent too: so we'll want to be sure you can comfortably afford your repayments, and that you fully understand your commitment to repay your loan.

Apply for a Future Mortgages Secured Loan here

First National Bank Secured Loans

With over 30 years of experience, First National is one of the most established lenders in the secured loans market place.

Secured loans are a great way to access extra funds, whether it is for a home improvement, a new car or a holiday of a lifetime, it is up to you. Designed for homeowners, secured loans allow you to use the value in your property as security for the amount borrowed. Secured loans can also be used to consolidate existing loans and credit card bills, giving you more control over your finances.

Apply for a secured loan from First National Bank here

Co-Operative Bank Car Loan

Co-operative Bank Car Loan

With over three million customer accounts and a history that dates back to 1872, the very credible Co-operative Bank boasts a huge range of competitive financial services. The Co-operative is also banker to local authorities, businesses and the retail co-operative movement. As well as loans it also offers Co-operative credit cards, insurance, current accounts and pensions.

Features of the Co-operative Bank Car Loan

The difference between the Co-operative personal loan and their Car Loan is simply the car related benefits. With any car loan from the Co-operative you'll get Roadside assistance cover from Green Flag: if you break down they'll attempt to fix the fault, if they can't they promise to get you (and up to 5 passengers) home in one journey.

As with a personal loan from the Co-operative, a Car loan offers a range of other benefits for customers. These currently include free passes for Fitness First, half price leisure breaks, health and beauty discounts and more besides.

Things to consider about the Co-operative Bank Car Loan

When considering car finance like this you should always consider both the APR and any benefits that are being offered. It may, in some circumstances, pay to consider a straightforward low APR personal loan as the car dealer may offer roadside assistance.

How can I compare the Co-operative Bank Car Loan with other UK loans?

To compare all UK loan suppliers and select a loan to suit your needs (and wallet), use our free and impartial Finance Choices car loan comparison service. Once you've reached a decision, you can even apply for the loan in one simple click.

Apply for the Co-Operative Bank Car Loan Now

Co-Operative Bank Personal Loan

Co-operative Bank Personal Loan

With over three million customer accounts and a history that dates back to 1872, the very credible Co-operative Bank boasts a huge range of competitive financial services.

The bank is currently the only high street bank to have an Ethical Policy, which was introduced in 1992. This governs the types of businesses the Co-operative Bank will and will not offer services to. In particular it won't deal with businesses that have negative environmental and/or sociological impacts. This policy has resulted in losses in business-to-business revenue, but remains an admirable quality which sets them out from the competition.

Features of the Co-operative Bank Personal Loan

• You can borrow between 2,000 and 25,000 pounds


• You can spread the payments over 1 to 7 years


• The rate you pay will never change throughout the term of your loan.


• You can use your loan to buy anything you want - or even to pay off other more expensive loans or credit cards


• You can arrange the security of Payment Protection Plan† - for extra peace of mind


• You can also be certain that the money you borrow has not come from the profits of unnecessary pollution, human rights abuses or any other activity which conflicts with our strict ethical policy.

How can I compare the Co-operative Personal Loan with other UK loans?

To compare all personal loans and select a loan that best suits your needs (and pocket), use our free and impartial Finance Choices loan comparison service. Once you've reached a decision, you can even apply for the loan in one simple click.

Apply now for a Co-Operative Personal Loan

Net Cars 2000

Netcars2000 operates an in-house car loan brokerage to help you obtain the most competitive deal. It doesn?t matter if you are self employed or have adverse credit history.

Netcars2000 was established in 2000 and they now are in possession of one of the largest used car databases in the UK that is constantly being updated with new ones. They also provide motor loan applicantss with all the necessary services to make the car buying or selling process as easy as possible.

The company offers thousands of used cars that are available from quality dealerships throughout the country as well as other vehicle sellers via an intuative and easy to use car search system. With the search system you will be able to locate your desired used car within a certain range of your post code.

Thanks to Glass's guide they offer an huge New Car resource. This allows motor loan applicants to find and compare vehicle specs and prices together all in one system. There are also a myriad of links to the UK's top manufacturers and therefore they are able to tie you in with a dealership that suits your personal requirements.

The company also operates a car loan brokerage service under their own roof, and this will assist you in obtaining the most suitable arrangement. It will not matter if you are self-employed or have poor credit ratings. They have worked towards having very strong relationships with almost all of the UK's leading motor loan lenders to provide you with the best service available depending upon your personal circumstances.

Apply now

Cahoot Flexible Loan

Cahoot - Flexible Loans

Cahoot were one of the UK's first strictly online banks offering a unique service to their bank account holders, access to their accounts twenty-four hours a day, seven days a week, and from anywhere in the world. Owned by Abbey National the large high street building society they have quickly become the leaders in consumer finance, offering savings accounts, motor, travel and home insurance. Cahoot also offer an excellent range of personal loans, allowing customers to borrow as little or as much as they like.

Cahoot offer two types of personal loan:

Fixed Rate Loans - allowing you to borrow between £1,000 and £25,000, over a period which best suits your budget, the typical loan period is between one and seven years. Learn more about cahoot fixed rate loans.

Flexible Loans - a flexible loan allows you to borrow as little or as much as you need, and pay back the loan as you feel.

What is a Flexible Loan?

Think of a credit card and how it works:
You apply for a credit card with Cahoot, Cahoot will then send you your card and advise you of your limit. Allowing you to borrow £5 up to £5,000, its up to you. You then pay the credit card monthly, paying the at least the minimum amount which cahoot requests.

Now think about a flexible loan, it has the same principal but no card. You ask Cahoot for a £10,000 loan, Cahoot then make the funds available to you and allow you to borrow what you need. You then pay interest only on what you borrow, so if you borrow £5,000 of the allocated £10,000 then you will only pay interest on the £5,000 you actually borrowed.

A flexible loan can be great if you are using it to say build an extension, you know its going to cost between seven and ten thousand pounds so to be sure you had enough funds traditionally you would have to take out the top line £10,000. With a Cahoot flexible loan you can request the £10,000 limit and borrow as much as you need.

Apply for your flexible loan here

Cahoot Fixed Rate Loans

Cahoot - Fixed Rate Loans

Cahoot have clearly established themselves as a market leader for personal loan, offering excellent customer service and low rates on all their loans.

At Cahoot you have the choice of two types of loan, a fixed rate loan and a flexible loan. Click here if you would like to learn about cahoot flexible loans...

What is a fixed rate loan?

A fixed rate loan is a personal loan which you borrow that is a set amount and repaid over a set period. For example:

If you request that cahoot loan you £3,500, you would also agree a term in which you have to pay the loan back over. Typically you can pay the loan back over any period between 1 year and 7 years, (this depends on the amount you borrow and your individual circumstances).

How much can I borrow?

With a cahoot fixed rate loan you can borrow any amount between £1,000 and £25,000. You can repay the loan over any period between 1 - 7 years. You will agree the period before the loan is completed, you will then be bound to pay the loan amount back over the agreed period.

What is the difference between a fixed rate loan and a flexible loan?

cahoot offer two types of loan, a fixed rate loan and a flexible loan. There are a couple of differences with these types of loans.

With a fixed loan you ask for a set amount and cahoot will provide you with that exact amount, with a flexible loan you ask for essentially a limit which you can borrow. Think of how a credit card works, you are given a limit which you can spend with a provider and you are only charged interest on the amount you borrow. A flexible loan is just like a credit card but without the card.

For example if you ask for a £5,000 fixed loan cahoot will provide you with the £5k and you will agree a payment method, over what period and how much you will repay a month. With a flexible loan you ask for a cap of £5,000, but you haven’t borrowed the £5,000 its just been made available to you when you need it. Allowing you to borrow as little or as much as you need.

What is an APR?

APR is an abbreviation for "Annual Percentage Rate". APR is the rate which you pay back when you take out a loan with a bank or building society. For example if you borrow £1,000 and your APR on that loan is 10% then the total amount you will need to pay back is £1,100, the £1,000 you borrowed and the £100 interest. So just that of APR as the interest rate.

How long do I have to pay the loan back?

With cahoot you can pay your loan back between one and seven years, this will be agreed with cahoot prior to you taking the loan out. You will also agree a set amount which you will pay back. Typically cahoot require payments be made on the loan every calendar month.

Apply for a Cahoot fixed rate loan now

Blemain Finance Secured Loans

Blemain Finance

Blemain Finance is the second charge residential and semi-commercial lending division of Blemain Group.

Providing flexible products for over 30 years Blemain Finance has become specialists in secured loans for almost any purpose. Over the last few years many lenders have concentrated on re-mortgages, but we have continued to enhance our secured loan criteria as often they are- considered to be better advice than a re-mortgage. Whether short or long term finance is required we can provide loans from 3 to 25 years and bridging finance up to 12 months.

They describe themselves as an 'all status' lender, which in effect means that they will consider applications from people who have had credit problems in the past.

Summary

Blemain Group secured loans offer lower interest rates than unsecured loans because there is less risk to a finance company. Most people choose a secured loan from Blemain Group because the savings in interest over the term of the loan can be quite considerable.

To apply for a secured loan from Blemain Finance click here

Bank of Scotland Loan

The Bank of Scotland is the second largest bank in Europe and the fifth largest in the world. It opened the doors of its first branch in Glasgow, way back in 1783. Since then the Bank of Scotland has grown and grown. With the acquisition of NatWest in 2000 it's continued to grow with offices in Europe, the USA and Asia.

The Bank of Scotland personal loan rates compare well against other banks- that's the influence of their merger with the Halifax. All the usual facilities of a good loan operator are included in their personal loan product, including a three month repayment holiday if you wish, applications accepted from £1,000 (a good low start) up to £25,000 and repayments across up to 7 years.

If you're consolidating debts from other sources such as credit cards, or paying for a holiday, the 8.9% APR isn't bad. You can get a better deal from supermarkets or online banks, but if you want the support of branches, this could be a preferred choice, especially at lower borrowing amounts.

If you need more money, a secured Bank of Scotland Personal Loan might be the answer. If you have a BOS or Halifax mortgage already, rates drop to a very friendly indeed 5.9%. If you're not already a customer, 7.3% is far less impressive. But one clever secured product is Home Cash Reserve- a 25,000 cash pot secured on your home which you can dip into anytime. And you only pay interest on the amount you use. If you're planning ahead to borrow, rather than chasing existing debt, this might be an ideal product.

Features of the Bank of Scotland Personal Loan

The Bank of Scotland loan comes with a host of features which include:

• Three-month break on repayments;
• Payment protection cover
• Fixed interest rate, which means you can budget all of your repayments

Things to consider about the Bank of Scotland Personal Loan
The payment protection offers great coverage, but does add to your repayments so you should always check this before committing. Remember you are under no obligation to take out payment protection cover. You can explore how much each loan will cost you in monthly repayments, both with and without payment protection cover, on the Finance Choices personal loan comparison service.

Lastly the Bank of Scotland loan can be delivered within 24 hours, and while this is a good service it will cost you extra, so check this cost before you decide.

How can I compare the Bank of Scotland loan with other UK loans?

To compare all loan suppliers (including the Bank of Scotland) and choose a loan to suit your personal circumstances, why not use the Finance Choices loan comparison service? It's a free and impartial calculator that will compare all UK loan suppliers in order to find the right deal for you. Simply enter a few details about the amount you wish to borrow and we'll provide you with a list of the best available loan deals. Find out now if the Bank of Scotland loan is among the best for your personal circumstances.

Apply for your Bank of Scotland loan by clicking here