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Borrow money for anything from home improvements to holidays

When it comes to loans, you're spoiled for choice: there's a huge range of products to choose from, and competition is fierce – which means if you shop around, you can get an excellent deal. However, before you apply it's important to know what you're signing up for.

Loans should be simple: you need cash, so you borrow some from a bank. Easy! Unfortunately it's a little bit more complicated than that, especially these days. There are personal loans, secured loans, car purchase plans, home improvement loans and flexible loans, all of which are available from a wide range of lenders and at dramatically different interest rates.

When you're shopping for loans, it's important to know what you need. Homeowners get lower interest rates, but the loan is secured on their house – so if you end up in arrears, you could end up homeless. Flexible loans work more like credit cards and enable you to keep borrowing or to pay back large sums when you're flush; car purchase plans make it easy to drive a new car – but there's a big lump payment at the end of the term. Holiday loans usually need to be paid back within two years, and so on.

The lower the interest rate – described as an Annual Percentage Rate, or APR – the less your loan will cost, but you should look for other things too. Can you take a payment holiday if you're short of cash? Is there a penalty for early repayment? Choose carefully and you could save a lot of cash.

loans.org.uk helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

If you can't find what you want on loans.org.uk, be sure to check our loans homepage, or why not try another loans website, Find a Loan.

Online personal loans at 5.9% APR typical
Online personal loans at 5.9% APR typicalOfficial site: Alliance & Leicester offer bank loans at an incredibly low 5.9% APR typical for loans of £5k to £15k. Instant decision online, click here to calculate your repayments.
Norton Finance offer loans for any purpose online
Norton Finance offer loans for any purpose onlineNorton Finance provide secured loans. Borrow from £1,000 to £100,000 for any purpose. Easy application and a quick service. Loans are secured on your home. Sorry no tenants.
Online homeowner loans from Picture
Online homeowner loans from PictureBorrow between £5,000 and £100,000 from a lender who understands you. Rates start as low as 6.9% APR.
UK only - secured loans - Rainbow Finance
UK only - secured loans - Rainbow FinanceUK home-owner loans from £3,000 - £100,000 available, no broker fees. Simple 2 minute application. Apply online. A Rainbow UK loan couldn’t be easier. Sorry no tenants.
Secured loans from Loanlink
Secured loans from LoanlinkHomeowners - borrow from £3,000 to £100,000. Loans of up to 125% of house value. Affordable monthly repayments. Enquire online now.