Consumers `shunning loans in favour of savings`
As fears surrounding personal finance problems rise in the UK, consumers are increasingly shunning loans in favour of saving their cash.<
Secured Loans & the BoE Credit Conditions Survey
For anyone with enough equity in their home, a secured loan can be an effective way of 'freeing it up': basically, turning some of it into cash.
What happens if I'm falling behind on loan repayments?
Many people currently feel the pressure when it comes to meeting their financial commitments - and loans are no exception. The credit crunch and rising costs of living mean that what was once a matter of simple budgeting has now become a balancing act, trying to make sure all your commitments are met without going into the red.
Which personal loan is right for me?
If you are looking for a personal loan, there is a lot to consider. There are various types of loan available, and the differences between each can be confusing. Here we take a look at the three main types of loan, and who they are most suitable for.
Tips for getting approved for a loan
The credit crunch means that applying for a loan is tricky business compared to recent years. Potential losses after years of confident lending have meant that lenders have had to tighten their lending criteria, making loans harder to come by. That's not to say it's impossible to get a loan - after all, lenders still want to gain business...
Debt Consolidation Loan or IVA: which is best for me?
If you're having problems with debt and you are looking for a way out, the range of options on offer can be overwhelming. Each different debt solution is suited to a different situation, and it's important to understand which is best for you.
Here we look at two debt solutions that could help you get back in the clear: debt consolidation loans and IVAs (Individual Voluntary Arrangements).
Secured and unsecured loans: what's the difference?
A loan can be a big financial commitment. By taking one out, you will be required to give up a portion of your salary every month until the loan is paid off, and failing to do so could result in serious consequences.
There are two main types of loan: secured and unsecured. Each have their advantages and disadvantages, depending on a) your financial health and b) how much you want to borrow.
Who are debt collectors? What can they do?
If you're behind on your loan payments, you might end up hearing from debt collectors. This is no reason to panic. Debt collectors aren't going to confiscate any of your possessions - they're not bailiffs and they don't have any 'special powers'.
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