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Secured loan (or homeowner loan)

If you own your own home, you may have a bit more choice when it comes to getting a suitable loan deal - in the shape of a secured loan.

Secured loans (sometimes called homeowner loans) are basically loans that are secured against your property. This means that if you fall behind with your agreed payments, your home could be sold in order to repay what you owe.

If you're confident that you can afford the repayments, however, a secured loan could give your finances a boost. Whether you want to make home improvements or update the family car, a secured loan could help - if you find the right deal.

Think Loans could help you find the right secured loan for your circumstances. Apply here.

Debt consolidation loan

A debt consolidation loan could be ideal if you're looking to make several debts easier to keep on top of. Taking out a debt consolidation loan means you'll be effectively combining your debts into a single one, which you'll then repay with single monthly payments.

What's more, you'll have some flexibility when it keeps to how quickly you pay the loan. If you agree to a longer repayment period, each monthly payment you'll make will be smaller, which could help you take some pressure off your finances (though this could cost you more overall in interest).

However, this type of loan won't be suitable if you're having problems with your debts. If this is the case, there are other approaches that could help you.

If you're interested in taking out a secured debt consolidation loan, apply here to talk to one of our advisers. They can tell you about the pros and cons in more detail and help you find the right consolidation loan for you.

Short-term loan

Are you looking for a loan, but don't still want to be paying it back years down the line? If yes, a short-term loan could be the right deal for your needs.

Although personal loans that are designed to be paid back over several years often come with better interest rates, knowing you'll have cleared the loan in full in a short space of time could give you more peace of mind - and improve your financial security.

However, repaying the loan over a timeframe you can realistically manage - for example one year - is important. If you're worried about keeping on top of your payments in a short space of time, a loan with a longer repayment period is almost certain to be a better option.

Guarantor loan

If you've had financial problems in the past, and your credit history has been affected as a result, you may struggle to get a loan yourself. But this is where a guarantor loan could help.

Basically, a guarantor loan involves getting someone you know and trust (such as your partner or a family member) to take responsibility for your payments if you can no longer afford them. This makes it more likely that you'll be accepted for a loan, but of course, you'd need to be certain that your guarantor can make the payments if you can't.

Bad credit loan

Have you had financial problems in the past? Have you missed payments, had a CCJ, recently entered a professional debt solution or been bankrupt? All of these things can have an impact on your credit rating, which could make getting a loan difficult as a result.

However, a bad credit loan could let you borrow some extra cash whatever shape your credit record is in. Bear in mind that the interest you'd be charged is likely to be higher than if your credit rating was good - and with this in mind, you should be sure you can afford all your payments before borrowing.

Why choose Think Loans?

We're committed to helping our customers find the best loan deal - searching our panel of lenders to find the loan that matches your needs.

We do all the hard work, so you don't have to. Just contact us, tell us what type of loan you're looking for and we'll deal with the rest.

Call us on 0800 195 2910 or click here for a free call-back.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. DEBT CONSOLIDATION MAY INCREASE THE AMOUNT TO BE REPAID IN THE LONG TERM. Subject to status. A 12.5% arrangement fee is payable on completion. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Calls may be recorded.

Think Loans is a trading style of Think Loans and Mortgages Limited. Registered Office: Carlton House, Vere Street, Salford, M50 2GQ. Company Registration No. 4291279. Consumer Credit Licence No. 512740. Registered in England and Wales. Authorised and regulated by the Financial Services Authority in respect of regulated mortgage and general insurance contracts. Calls to 0800 numbers from BT landlines are usually free. Calls to other networks may vary and you should check with your network provider for full details of your service.