Rates from 12.9 % APR to 1721% APR - Please see representative APR example below

- Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

PERSONAL

19-12-12 16:34

Life can throw unexpected things our way, and this could involve making a purchase that we are not prepared for. A personal loan can help with covering the cost of anything from a new washing machine to an unforeseen bill. A personal loan can aid you by covering this unexpected cost up front, leaving you able to pay it off monthly in more simple and manageable payments that you otherwise would have.

WHAT IS A PERSONAL LOAN?

A personal loan is a type of credit that you can apply for that is for personal use, rather than business or commercial use. A personal loan can be either secured or unsecured. A secured personal loan is one which is secured against an asset of yours that is of value, for example your car or house. Furthermore, an unsecured personal loan is not secured against any assets, but the loan amount you are offered will be dependent on your income and personal circumstances. Generally, personal loans are unsecured, but you may be offered a secured personal loan if you have a poor credit score and credit history. This just provides the lender with some security and reassurance if you were to ever be unable to repay the loan but your asset, (e.g. car or home), may be repossessed if you don’t keep up your repayments. If accepted, you will receive your personal loan in full, and then you will have arranged to pay it back with interest in instalments over an agreed period.

WHAT IS A PERSONAL LOAN USED FOR?

A personal loan can be used for a multitude of reasons; whether this be a loan to purchase a new car, to pay some unexpected bills, to carry out some home improvements, or to pay for a wedding. The reasons for use of a personal loan are endless!

HOW MUCH CAN I BORROW WITH A PERSONAL LOAN?

As we mentioned before, a personal loan can be either secured or unsecured. Unsecured personal loans are usually for a smaller amount, generally under £25,000. A personal loan will generally need to be secured against your assets when the loan amount required exceeds £25,000.

WHAT ARE THE BENEFITS?

Firstly, you will agree with your lender how much you are able to pay over a set period. This enables you to make smaller, more manageable repayments each month, and allows you to budget the rest of your finances. With a personal loan, you may be able to borrow more than you would with a credit card. If your credit card only has a small credit limit and you are looking to borrow more, a personal loan may be an option for you. Also, if you have multiple debts that you are paying off individually, a personal loan is an opportunity to group all of these repayments together into one lump sum.This enables you to pay one amount every month rather than several separate payments. If your loan agreement specified a fixed rate, then you can rest assured that you will be paying the same sum every month and the interest won’t vary.

THINGS TO CONSIDER BEFORE APPLYING...

Firstly, you need to consider whether a personal loan is the right option for you and if the repayments are something that you can comfortably afford to pay each month. Also, you may be paying a higher interest rate than what is advertised. If you have a less than perfect credit score, lenders may still offer you a loan, but at a higher rate of interest than what their example originally stated. If you would like to check your credit score before you apply for a Personal Loan, Credit Knowledge offers a FREE trial in which you can see a thorough breakdown of your report. Find out more here.

GETTING A PERSONAL LOAN WITH SUPAFINANCE

Here at SupaFinance we can help you apply for a personal loan by using the information you have given to us, to provide you with an instant decision on which of the lenders on our panel has agreed in principal to offer you a loan.

For more information or if you wish to apply for a loan, please visit https://www.supafinance.co.uk/

Types of Loans

20-01-07 11:50

Loans: Short -Term

19-12-17 12:11

PERSONAL

19-12-12 16:34

Lower credit score loans.

19-12-11 09:57

#SupaTips -Credit Report

19-12-10 11:32

100% NO FEE

SIMPLE AND EASY

SECURE UK SITE

Representative Example: Amount of credit £1200.00 for 18 months at £90.46 per month. Total amount repayable is £1628.28. Interest: £428.28. Interest rate 49.9% p.a. (variable).

Representative 49.9% APR

Rates from 39.9% APR to 1721% APR

Loan terms between 3 and 60 months

ALL LOANS ARE SUBJECT TO CREDITWORTHINESS AND AFFORDABILITY CHECKS

MediaBlanket Ltd. Registered in the UK: 07949139; Registered address: MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA. MediaBlanket Ltd is authorised and regulated by the Financial Conduct Authority under Firm Ref 723605. Registered with the Information Commissioner's Office Z3334636.

MediaBlanket Ltd. Registered in the UK: 07949139; Registered address: MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA. MediaBlanket Ltd is authorised and regulated by the Financial Conduct Authority under Firm Ref 723605. Registered with the Information Commissioner's Office Z3334636.

*Subject to lender's requirements and approval based on creditworthiness and affordability checks. Most loans can be paid in to your bank account within one hour although this could take 2-3 days if your bank does not accept faster payments. Please note that not everyone will qualify for the full amount.*

We work with a selected group of lenders and brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan compared to the open market.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only. This site is available to UK Residents only aged 18 years and over.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A SHORT TERM LOAN OFFERS A ONLY A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

IF YOU SECURE A FINANCE OPTION AGAINST YOUR HOME OR MOTOR VEHICLE, YOUR HOME OR MOTOR VEHICLE MAY BE REPOSSESSED IF YOU DO NOT MAINTAIN YOUR REPAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

All loans are subject to lender's requirements and approval such as creditworthiness and affordability checks. Most loans can be paid into your bank account within one hour, although this could take 2-3 days if your bank does not accept faster payments or depending on the day you apply. Please note that not everyone will qualify for the full amount applied for and that all approved applications are done in principle.

We work with a selected group of lenders and licensed credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees by emailing us at hello@mediablanket.co.uk. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available compared to the open market.

*** Please could customers contact us via email in the first instance whilst we make changes in response to covid-19. There will be more email cover than telephone cover and you may receive a response more efficiently via email. Thank you for your patience and understanding. ***

*** MediaBlanket Ltd and its trading styles will never ask you to purchase vouchers of any description in relation to any application and we cannot be held responsible should you do so at the request of any other party. ***

*** Please note that the website www.theloanstree.co.uk is not related to MediaBlanket Ltd in any way and we would encourage you to check this site thoroughly and read online reviews of the service it provides before using it. ***

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over.

Authorised and regulated by the Financial Conduct Authority

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

© MediaBlanket Ltd. this site is a trading style of MediaBlanket Ltd, who is authorised and regulated by the Financial Conduct Authority. We are a licensed credit broker, not a lender and we do not make credit decisions.

As a fully authorised and regulated credit broker we connect customers with reputable lenders, brokers and alternative consumer credit providers from our network to offer you a range of loan and credit products in exchange for a commission. We will not charge you a fee for using our service.

Registered Office Address: MediaBlanket Ltd, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5WA

Consumer Advisory: this site is a loan matching service and there is no guarantee you will be accepted by a lender or that you will be offered terms that are suitable for your individual financial needs. Please note that the lender or broker we direct you to may not offer the cheapest loan compared to the open market. This site will submit the information provided to lenders and brokers in our network based on the information that you have provided. Following loan approval, if the lender requires further information from you this may be collected after we have transferred you to their website, or they may contact you via phone, email or SMS.

• Short term loans are expensive and should only be used for short term borrowing, and not as a long-term solution.

• If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

• If you choose to secure a finance option against your home, your home may be repossessed if you do not maintain your repayments. Think carefully before securing other debts against your home.

Make sure you understand the costs before you apply. Please only apply for a loan if you're sure that you can repay it in full on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

Please note that not all applicants will qualify for a loan, and MediaBlanket Ltd simply provides a FREE loan matching service and does not engage in any direct consumer lending. Not all lending partners offer loans up to the highest amount offered on this site, and not all applicants will be approved for their requested loan amount. Some lenders will only consider applicants who are UK homeowners.

UK residents and over 18's only. All finance is subject to creditworthiness and affordability checks in line with responsible lending, and some lenders you may be matched with may run a credit check from a credit reference agency. As part of the application process, you are agreeing that in order to assess your eligibility for the product you are applying for, that lenders will carry out a soft search on your credit file. A soft search is only visible to you and does not affect your credit rating. If you choose to progress your application with a loan product, the lender may carry out a hard search. This hard search will be visible on your credit file to you and other providers and can negatively impact your credit score.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

The quote and APR you receive will be tailored to your specific circumstances. Loan terms, conditions, policies, and repayment terms vary by lender and if you are presented with a loan offer, it is important that you familiarise yourself with these terms prior to proceeding. Lenders may use collection services for non-payment of loans.

*Most loans can be paid into your bank account the same day following approval; however, the time required to process and transfer the loan varies by lender and not all lenders are able to pay out the same day.

If we are unable to find you a lender to approve your loan application, we may transfer you to an alternative provider or service, which may incur a fee if you choose to use it. We do not endorse any particular product or service, and any information provided on our communications or websites serve as opinion only.