Personal Loans -
US
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Today's Leading Personal Loan Providers. Find an
Affordable Personal Loan.
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If you want to borrow money but do
not want to secure the loan against your other
belongings, an unsecured personal loan is the
way to go. Unsecured means you are not tied in by
any guarantees, unlike a secured loan such as a
mortgage, which is tied into your house.
Obviously, you are contractually obligated to repay
the personal loan and if you miss payments you could
get a big black mark against your name.
In general, you can borrow from
£500 to £25,000, which you pay back on a monthly
basis over a period of six months to 15 years.
However, an unsecured loan means more risk for the
lender and in turn, makes them more wary about how
much they lend and who they lend it to.
The most common personal loans are
fixed, which means repayments are set at a certain
amount over a set period of time. Variable loans are
also available, although this means that your
interest rate is dependent on the bank base rate and
could fluctuate.
There are a
number of companies who offer competitive personal
loans. Use one of our free
loan calculators to
compare the different personal loan providers.
Just because a
loan is not
secured doesn’t
mean you aren’t risking anything by taking one out.
If you default on
credit repayments of any kind, financial
companies can take you to court to recover their
money; in the worst case scenario this can lead to
possessions, or even your home if the loan is big
enough, being repossessed or sold to repay the debt.
The best way to avoid this is by
being sensible about whether you can afford
repayments and keeping in contact with loan
companies should problems arise; many companies
would rather resolve disputes without resorting to
legal action.
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