Loans
Over 550 personal loans, secured loans, consolidation loans & car loans
Tim Moss
Head of Loans & Debt
Good Credit Profile
Customers with an 'excellent' or 'good' credit profile normally have all or most of the following characteristics:
- Employed in same job with same employer for a reasonable period (or long term self employed).
- Same address for long period and on the electoral role.
- Never missed a payment and not been late with payment in recent years for credit or utilities such as Gas; Electricity etc.
- A homeowner (maybe a tenant if in a very desirable residence or location).
- Same bank account for a long period.
- Plenty of credit history e.g. has credit cards.
Loan |
Typical APR |
Min Loan |
Max Loan |
|
Moneyback Bank Loan
|
7.8% |
£7500 |
£15000 |
|
Halifax Personal Loan (Semi-exclusive)
|
8.6% |
£7000 |
£13000 |
|
Bank of Scotland Personal Loan (Semi-exclusive)
|
8.6% |
£7000 |
£13000 |
|
Alliance & Leicester Personal Loan
|
8.7% |
£7500 |
£15000 |
|
Fair Credit Profile
Products available to users with "Fair" credit profile...
Learn More
Customers with a 'fair' credit profile normally have some of the following characteristics:
- May have changed employer a few times in recent years or be self employed for a few years or less.
- May have changed address a few times in recent years or the provider may have difficulty seeing accurate address history on the electoral role.
- Frequently apply for credit.
- May carry a fairly high level of debt.
- May be in the younger age group and / or living with parents.
- May have missed some payments and been late with payment in recent years for credit or utilities such as Gas; Electricity etc.
- No CCJ's or, possibly, may have one old CCJ for small amount.
Loan |
APR |
Typical APR |
Min Loan |
Max Loan |
|
Platinum Exclusive Loan
|
7.5% |
11.4% |
£10000 |
£100000 |
|
Ocean Finance
|
9.6% |
15.9% |
£10000 |
£25499 |
|
Poor Credit Profile
Products available to users with "Poor" credit profile...
Learn More
Customers with a 'needs improvement' or 'poor' credit profile normally have some of the following characteristics:
- Will have missed payments and been late with payments in recent years.
- May have had CCJ's. Any but the oldest CCJ's make inclusion in this category almost certain.
- May have changed address or job frequently;
- if details cannot be found on electoral register.
- Presently employed or self employed but may have had recent periods of unemployment.
- Will have a bank account.
- Tenants will often be in this category.
Loan |
Typical APR |
Min Loan |
Max Loan |
|
Creditplus Car Finance
|
17.9% |
£2500 |
£25000 |
|
Been turned down for credit? Give our financial helpdesk a call on 0870 111
0001
Lines open from 9am to 8pm Monday to Thursday, Friday 9am to 5.30pm and Saturday
10am to 4pm.
Homeowner Loans: The actual rate available will depend upon your circumstances.
Ask for a personalised illustration.
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Contact moneysupermarket.com at Moneysupermarket House, St David's Park, Ewloe,
Flintshire CH5 3UZ.
If you've got existing credit and you're finding it hard to keep track of the repayments or you just want to reduce the amount you pay each month
then use our debt consolidation tool to see if you can benefit from one simple monthly repayment.
If you're facing debt problems, the key to achieving financial stability is in choosing the right debt solution.
We offer guidance on debt reduction, debt consolidation, debt management, IVA (Individual Voluntary Arrangements) and bankruptcy.
Secured loans, also known as home owner loans, are ideal for debt consolidation and / or large loan amounts.
Includes the lowest secured loan rate available in the UK – exclusive to moneysupermarket.com users.
Thinking about buying a new car? Our selection of specialist car loans can help you fund all or part of your new vehicle purchase. Compare rates and repayments online.
Can’t wait till payday? Our selection of payday loans could bridge the gap until your next pay cheque arrives.
Find out more about how to make an application for short-term finance then compare fees and loan periods online.
If you ask a provider for a credit quotation, they MAY check your personal credit file which can leave a 'footprint' on
your record. At moneysupermarket.com we are campaigning hard on your behalf for fairer credit quotations. Our Smart Search
tool already gives you the option of searching for credit products you’re likely to be accepted for and at what
rate – without leaving any traces behind before you proceed. We now want to take this further and lobby credit providers
to play fair with their customers.
If you are having problems with a bad credit rating or your personal circumstances are making it difficult to obtain
a loan or other form of credit then worry not, help is at hand. We offer an insight into some of the reasons why your
application may have been declined, why credit scoring is so important and how you can obtain a copy of your credit
profile. If you're having difficulty getting accepted for financial products such as unsecured personal loans or secured loans and
credit cards then we can also put you in touch with lenders who offer products suited to your circumstances.
Loans Guides
Looking for a cheap loan? Then find out whether cheap loans are really the best by reading
our impartial guide.
To find out more about unsecured loans and the personal loan application
process read our
guide to unsecured personal loans.
Secured loans are available for many different purposes including debt consolidation.
The amount available usually ranges from £5,000 - £50,000 although some lenders will consider loans up to £100,000.
Read our secured (homeowner) loan guide for more…
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Missing payments will have severe consequences and may make obtaining credit more difficult in the future.
Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700.