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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.

Personal Secured Loans at Loans.co.uk
Personal Secured Loans at Loans.co.ukFill out a no obligation application form for a secured loan with a 5 month payment holiday. Borrow from £3000-£100000. Perfect for homeowners who have bad credit, CCJs or arrears.
Great Loan Rates from the RAC
Great Loan Rates from the RACRAC Loans - Great rates on loans for any purpose from £1000 - £25,000. With a typical APR of just 6.5% & free RAC breakdown cover, why delay apply on line today.
Fast Loan Advice from A&L;
Fast Loan Advice from A&LAlliance & Leicester offer you the fast way to get a loan. When you consider our superb 6.1% APR typical then making your decision should be easy. Apply online today for a quick decision.
Ocean Finance Loans
Ocean Finance LoansBorrow £5,000 to £100,000 from Ocean Finance, a leading UK finance broker. Loans can be for almost any purpose. Loans secured on your home. Sorry, no tenants.
Any-Purpose Loans from Easy-Loans.co.uk
Any-Purpose Loans from Easy-Loans.co.ukDo you want to improve your home, go on holiday or pay off your debts? Let us help you. Borrow £10,000 or more with Easy-Loans. Fast decision. Apply online. No repayment for 6 months. Homeowners only.