A complete guide to equity release – Everything you need to know
Retirement or old age brings the unavoidable worry of having enough money to lead a comfortable life. This is when you most need it, and you might have the least
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Even if you are an expert in managing your finances, keeping a full control on all your bills and spendings can be extremely difficult sometimes.
Whenever you are looking to borrow, Loan comparison on LoanTube is your go to platform where you can always come back to!
Even though your credit score is crucial, there are a number of other factors that can determine whether or not a loan application will be approved.
You can use a personal loan to support short-term and long-term goals, such as financing home improvements, paying medical emergency bills, and preventing cash flow problems or achieving financial freedom.
There are hundreds of loan options that you would spend days if you sit to compare them manually, and still the chances of you finding the most suitable personal loan offer is not very high usually.
LoanTube has dedicated its resources to find an ideal loan for your needs with the rates and terms best suited to your unique situation in a matter of minutes. We make loan comparison easy and stress-free by offering a fast, secure and straightforward process.
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Types of Loans
A financial hurdle may pause your journey, but it shouldn’t change your course. Don’t fall for the first loan you see without calculating your needs and risks and without comparing! No matter how big or small your goals are, we can help you find a personal loan for your every need, in every phase of life, even to overcome a cash crunch by comparing loans to help you find the best one.
Some of the most common types of loans are:
Tackle your financial troubles with short or long term personal loans without risking your life-long assets. Apply for low-interest personal loans that resonate with your needs and financial circumstances. Choose your desired loan term and repay the loan in affordable monthly instalments.
Your home deserves a makeover every now and then – spruce it up with mod cons and increase its market value. Make your move on the property ladder with low-interest home improvement loans designed to match your financials, and enjoy affordable monthly repayments.
Whether you take a vacation or a staycation – make it a break to remember. Compare low-interest holiday loans tailored to your financial and credit situation, and spread the cost of your vacation over affordable instalments each month.
Combat multiple debts with a low-interest debt consolidation loan aligning with your credibility and finances. Move your debt cluster to a single loan to break the cycle and conveniently repay in affordable monthly instalments.
Exchange your wedding vows in style, host a dream destination wedding, or plan a lavish reception – make your special day memorable with a wedding loan. Compare wedding loans that line up with your present financial circumstances and your future life plans, and settle the loan through affordable instalments.
Whether it’s a hefty outlay or a way to minimise your monthly repayments, split your expenses into small and manageable instalments with long-term loans. Compare low-interest long-term loans ideal for your personal and financial situation.
Your home is more than just a property – use it to boost your borrowing power. Pledge your home as collateral to borrow big-budget loans at low APRs or use it to enhance your chances of approval. Find secured and unsecured homeowner loans tailored for your financials and spread your loan across fixed, affordable instalments.
Don’t let a low credit score hold you back from seeking financial aid. Borrow guarantor loans with LoanTube to spread the cost of your expense over fixed, affordable monthly instalments. Take the help of a trusted friend or family member to support you in the process.
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Financial hiccups are common, but they shouldn’t withhold you from living the best life! Whether it is renovating your home or paying for that much-awaited holiday, or perhaps you need to buy yourself a new laptop to help you work better or you might need funds for a medical emergency.
We can help you find exactly the loan you need with the rates and terms best suited to your unique situation.
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Loan Eligibility – Am I Eligible for a Personal Loan?
We all need extra money at some point in our lives. It could be to repay existing debt, pay for home improvements, buy a new car or invest in something
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FAQs
What is a secured loan?
A secured loan is a loan that you borrow against an asset that you own, generally your home.
If you choose a secured loan, you have to tie an asset with the debt you take, and if you are unable to repay the debt, lenders repossess the asset to balance out the payment.
One classic example of a secured loan is a mortgage. Here your property is kept as security in exchange for a repayment promise. If you fail to repay the mortgage, lenders can take away your house.
Secured loans are long-term borrowings for up to 40 years. Your monthly instalments will become more affordable, but you are burdened with a lifetime cost of loan repayments.
What is a unsecured loan?
An unsecured loan is borrowed by an individual without pledging any asset as collateral.
Unsecured loans do not tie you with security in turn for repayment. However, this loan type requires lenders to check your credit ratings and financial situation.
The different types of unsecured loans include:
- Personal Loans
- Bad Credit Loans
- Car Loans
- Guarantor Loans
- Debt Consolidation Loans
Depending on the loan type, interest rates vary. Therefore, it is important to know what you are looking for when making loan comparisons! Moreover, apart from loan type, your interest rate changes based on your credit history, how much you can repay monthly, and the loan amount.
In general, the interest rate of unsecured loans is higher than secured loans because there is less security of repayments.
What do I need to get a loan?
You have to compare loans before choosing which one to go for. After selecting the appropriate loan, you will undergo a credit check to see whether you meet the loan requirements. These checks depend on lender to lender and generally consist of the following rules:
- Must be above 18. For some lenders, the age is above 21 or more
- Should have a regular income
- Have to be on the electoral register
- Need a functioning bank account
- Should be able to afford repayments
How much loan can I get?
If you are eligible for a loan, you can get one from £1,000 to £100,000.
How loan interest is calculated?
If you take a five-year loan of £20,000 with an interest rate of 5 per cent, the simple interest formula will work like this:
£20,000 x .05 x 5 = £5,000 in interest.
How many loans can I have?
You can have at least one to three personal loans simultaneously from the same lender, depending on your credit score and the lender. However, there is no limitation to how many personal loans you can have at once from different lenders.
What loan can I get?
Depending on your requirements and credit score, you get three types of loans: unsecured loans, secured loans, and guarantor loans.
Can I pay my loan off early?
Yes, you can pay off your personal loan early. Before that, check the early repayment charges (ERCs) you agreed to when comparing loans. According to the Consumer Credit Regulations 2004, lenders can charge two-month additional fees if the loan is repaid early. If your lender says they do not charge an ERC, look for hidden fees.
Many lenders will be open about ERC, others will not. So, check thoroughly for any extra fees.
Does searching for loans affect my credit rating?
No, when you compare loans, it will not affect your credit rating. But if you apply for credit, an inquiry is placed in your report. Several inquiries within a short time span impact negatively on your credit score. You are viewed as someone desperate for a loan or who takes more debt than they can afford to repay.
Can I get a loan when on benefits?
There are loans available for people on benefits or who are unemployed. These loans have higher interest rates. People who choose this may be asked to keep their car or home as security, or they might need to find a guarantor.
How much can I borrow?
A loan provider will base your loan amount on the type of loan you apply for, your financial assets (like investments, savings, possessions of value, etc.),income, and credit history.
However, with a personal loan, you can borrow up to £15,000, and with a secured loan, it can be up to £250,000 or more.
With LoanTube you can check if you qualify for a personal loan (unsecured personal loan or a secured loan), an automobile loan (a car loan), a homeowner loan, a guarantor loan, a long-term loan, and other types of loans.
Am I eligible for a loan with a bad credit score?
With a bad credit score, it is tougher to get a loan, but you still have the option to choose a Bad Credit Loan, which is aimed at people with a limited or bad credit history. The downside of this loan is that you get lower borrowing limits and higher interest rates.
How do I know if I qualify for a loan?
Different lenders and loan types will have different requirements, but generally speaking, your personal information and credit history will determine whether or not you qualify. A customised list of loans that you can filter by interest rates and the possibility that your application will be approved once you answer a few questions about you and the loan you wish to apply for.
LoanTube is a fast loan comparison site UK based. It specialises in loan comparison and has a variety of loans for you.. Comparing loans is super simple and it can be completed in minutes!
What is APR?
Annual Percentage Rate (APR) is the rate of interest at which you have to repay the borrowed money. It considers the actual interest rate and additional charges to give you a complete insight into how much the loan will cost.
If a rate is presented as an APR, the lender has to offer it to at least 51% of applicants. It does not mean that you will receive the same interest rate.
What is debt consolidation?
Debt consolidation means taking out another single loan to pay off debts from other lenders. With this method, you repay debts in a single monthly repayment.
Can I overpay or pay off early?
You can pay off loans early in bulk or in parts, but some lenders charge early repayment charges (ERCs).
It will always be safe to read the terms and conditions before signing the loan. Existence of debt consolidation loans proves that you can pay off any type of loan early.
What if I am struggling to pay off my loan?
Talk to your lender if you are unsure whether you can repay the loan on time. They can allow a repayment holiday or work with you to find an easier repayment plan. You will be penalised for missing repayments if you do not let them know about this. Always make sure you borrow what you can afford. Late repayment can cause you serious money problems.
What is a repayment holiday?
A repayment holiday is when you and your lender have agreed that you won’t be required to make any loan payments for a specified period of time. They are typically beneficial when you have experienced a temporary change in circumstances, such as unemployment, pregnancy, or unanticipated expenses. There is another holiday that exists and it is the holiday loan. You can compare loans and get holiday loans offers with LoanTube.
What can I take out a loan for?
You can get a loan for many things, from home renovations to school and education to major purchases like a car or funding a wedding, or to pay off your bills. You can get a personal loan, whether it is a secured personal loan or an unsecured personal loan, a car loan, a wedding loan, a home improvement loan, a holiday loan, a debt consolidation loan, a long-term loan, a homeowner loan, a guarantor loan and many others. We also allow you to compare loans in the UK in real time, so any form of comparison you need is available on LoanTube. It even has its own state-of-the-art loan comparison calculator.
How long can I take out a loan for?
Depending on the sort of loan you take out and the lender you select, the term of your loan may range from a year to ten years. Longer loan terms may result in lower monthly payments, but you can wind up paying more overall owing to interest charges. LoanTube has a loan calculator and you can compare loans in minutes, it takes just 3 simple steps…
Do I need a good credit score?
Many lenders require a good credit history to approve your application, however some lenders also offer loans for persons with bad or no credit history at all. One option is guarantor loan, when someone else agrees to repay the debt if you are unable to. You can check your eligibility rate in minutes using LoanTube. With us, the rate you see is the rate you get. We will help you get personalised offers in the uk to compare loans with guaranteed APRs. Loans comparison sites can save you time, money and energy when it comes to personal loans, car loans or any other type of loan.
What is a soft search?
Finding out your loan eligibility without damaging your credit report is possible with a soft-search or soft-application. It’s a practical approach to find a loan you qualify for without risking your chances of acceptance. LoanTube can check if you qualify for a loan and you can check your eligibility rate in minutes. It is a great loan comparison site based in the UK.
What if I miss repayments?
If you don’t make your payments on time, your lender may fine you and terminate any low or no interest offers you may have. It might even cause the interest rate at which you make future repayments to increase. If you miss payments for personal loans, unsecured personal loans or other types of loans you can get fined. LoanTube finds you multiple loan offers to compare from in Uk. Getting a great offer can increase your chances of not being able to pay your loan off. Loan comparison calculators are amazing when it comes to choosing your loan.
What if I’m struggling to repay my loan?
Call your lender as soon as you can if you’re having financial trouble and fear that you won’t be able to make your payments. They might be able to help you arrange an easier repayment schedule or a repayment holiday. If you don’t inform your bank, you can incur penalties for missed payments. Always make sure you borrow what you can afford. Late repayment can cause you serious money problems. To get rid of this fear use LoanTube as your loan comparison site. It is a great loan comparison site and it compares loans which are UK based. You can do everything in just 3 simple steps.
How do I apply for a loan?
It’s simple. You have to fill up a personal loan application online in order to apply for a loan.
LoanTube can find you multiple types of loans you qualify for and you even have an option to compare loans in the UK, of course you can also apply for a loan here.. You can see the list of loans you qualify for and compare them so you get a great offer.
Representative APR Example
The rate you are offered will depend on your individual circumstances.
Representative APR Example: On an assumed loan amount of £2,600.00 over 36 months. Rate of interest 41% per annum (fixed). Representative 49.7% APR. Total amount payable £4,557.89 of which £1,957.89 is interest. 35 monthly repayments of £126.61 and a final payment of £126.54
Our APR rate starts from 15.6%. The maximum APR we offer is 249.55%, but you will get a personalised rate tailored to you. The minimum repayment term is 1 year, the maximum repayment term is 20 years.
Warning: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK
Credit subject to status & affordability assessment by Lenders.
LoanTube is a credit broker and not a lender.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.
