Cheap Personal Loans & Cheap Secured Loans in the UK

Whether you are looking for a personal or secured loan, finding the cheapest loans in the UK is easy with MoneyExpert.com. Our loans comparison service carries out a free and impartial search of the personal loans market to find the UK's cheapest loans. We update our loans information every day, so you know you are finding the very latest cheapest loans.
Why You Should Use MoneyExpert.com to Find The Cheapest Loan
Loans are not a product where "one size fits all" they are built around a set of varying criteria, especially cheapest loans. To ensure you are eligible for the cheapest loans, we will need to know:

* how much you want to borrow
* how long you need to repay the loan
* if you need Payment Protection Insurance
* whether you have any adverse credit history
* any product features you feel to be particularly important

This enables us to search only for cheap personal loans in the UK which will match your needs, and who will accept your application.
Is The Cheapest Loan The Right One For You?

Before searching for a cheap loan, you need to be clear about your loan requirements:

* Will you take a loan from a provider you have not heard of?
* How much can you afford to pay back each month?
* What happens if you can pay back your loan early - are there any penalties?

Will My Credit Rating Stop Me Getting Cheap Loans?

If you have had problems in the past you may not be eligible for cheap loans, as you will not meet the providers credit requirements. Sometimes the lender will try and offer an alternative loan with a higher interest rate. Make sure you do another comparison to see if you can find your cheapest loan with another lender as certain providers specialise in offering cheap loans to people with less than perfect credit histories.
Compare the UK's Cheap Personal and Secured Loans

No need to spend all day online, with moneyexpert.com you can Compare cheap personal and secured loans in the UK in just a few minutes. We only need to know:

* how much you want to borrow
* over what period do you wish to repay the loan
* whether you need Payment Protection Insurance
* if you have any adverse credit history
* whether there are any product features you feel as important

and match this against all the providers to find the cheapest loans in the UK.

Please note to find the cheapest secured loans, we will also need you to provide details regarding your property and mortgage, as your property is used as security against the loan.
Apply For The Cheapest Personal or Secured Loan

If you find your cheapest loan in our results, click on "Apply" to start your loan application. To make sure you can apply for your chosen loan we show you the loan's requirements, so you only apply for the cheapest loan you are eligible for.

Carry out a free and impartial loans comparison

Find the UK's best low interest personal and secured loans

If you are looking to borrow, a low interest loan seems the obvious choice to manage your debt and keep monthly repayments down to a minimum. So whether you want to take out a personal loan for a holiday or need to borrow a bigger sum through a secured loan, we can guide you through the process quickly and with the minimum of fuss.
How Much Can I Save With a Low Interest Loan?

With loan rates varying from 4.5% to 40%+, comparing loans can save you a considerable amount of money. To save even more, look at repaying your loan in the shortest time possible. The shorter the loan term, the less interest you will pay. Be careful though to check that there are no penalties for early repayment - sometimes you have to pay an additional 2 months interest if you pay off the amount due ahead of time.

Compare low interest loans
How do I Find a Low Interest Personal Loan?

Compare personal loans with MoneyExpert.com's free and impartial search of the personal loans markets to find the best low interest loans that will precisely match your loan requirements. We update our data every day, so you know you are finding the very latest and cheapest loans.
What Other Low Interest Loans Are Available?

If you are a homeowner you could consider a secured loan. These allow you to borrow larger sums with a longer repayment term than personal loans at competitive interest rates. Secured loans are also available for people who have had problems with credit in the past as the security means they can be less concerned about your credit history. However it is always important to remember that a secured loan will use your home as security. If you default on the loan, you could lose your home so this needs to be taken into consideration.
Are All Low Interest Loans The Same?

No - there are other charges to watch out for once you have found the best low interest loans. These include:

* Early repayment penalties (also referred to as redemption fees)
* Set up fees
* Administration fees

You also need to be aware that you may not be eligible for the loan's typical Annual Percentage Rate (APR) of interest. A lender will calculate the typical APR in conjunction with a system known as 'risk based pricing'. This means that they assess each individual's circumstances and credit history before deciding what rate to offer. Although a lender has to offer the typical rate to 66% of people that apply for the loan, it is possible that you won't get this rate. If this is the case, you may want to do another comparison to ensure that you are getting the cheapest loan available.
How do I Find The Best Low Interest Personal or Secured Loan For Me?

Researching the loans market and comparing every loan available in the best way - but who has time for this?

With the MoneyExpert.com's loans comparison service we'll do all the hard work for you. Just enter some details about the type of low interest loan you want, how much you need to borrow and how long for, and you'll be given a list of lenders available to you. For a secured loan comparison more details will be required to provide a more accurate options and often this will require us to talk to you by phone. You'll also get all the information you need - including interest rates, hidden charges, service ratings and terms and conditions. MoneyExpert.com's loans comparison service is free, impartial and only takes a few minutes to use.

Find the best low interest personal or secured loan for you

All You Need to Know About Low Rate Loans

A low rate loan is a great way to borrow for a big purchase or to consolidate existing debts. The market for low rate loans is huge, and with all the price competition out there it can be difficult to choose between the offers available. Don't worry - MoneyExpert.com offers completely impartial advice and can help you choose your low rate loan with the minimum of fuss.
What Type of Customer are You?

If you have a perfect credit rating, the world of low rate loans is yours. Your best bet is probably a low rate loan from an online lender, as they have fewer overheads and can offer cheaper products. If you'd prefer a better-known high street bank or building society, there are plenty to choose from - don't just apply for the first low rate loan whose leaflet pops through your door. The key to finding a low rate loan is to shop around and do some research.

If you have a damaged credit rating, you might want to consider a secured loan. This can improve your chance of acceptance as the risk to the lender is lower. Once your credit rating is looking better, you can apply for a low rate loan and finally get rid of your debt.

If you think you might be able to pay off your loan early, take a good look at the small print of the loans you're considering. Some low rate loans charge you a fee of up to two months interest to pay off your debt before your loan agreement expires, which can be a problem when the time comes. Make sure you choose a lender that doesn't penalise you for early redemption.
What Type of Loan do You Need?

There are a lot of different products in the market for low rate loans, so there's something for everyone. Decide upon the features that are important to you - otherwise, you're likely to settle for a deal that will cost you more than it needs to in the longer run.

Think about how much money you need to borrow, how long you'd like to borrow for, and how much you're prepared to pay. Then look for a lender that suits your criteria for a low rate loan. The MoneyExpert.com service can help you with this part of the process as we have a unique service to help compare the features of all loans products. Our comparison service searches through the components of all the low rate loans available and gives you a table of the ones that would suit your circumstances taking into account your credit position. All you need to do is answer a few questions about the type of loan you'd like, and it will present you with a league table of low rate loans to choose from. The service is completely impartial, so it won't steer you towards a particular loan. It will tell you what low rate loans are available to you, and allow you to make your own decision based upon what you have said is most important.
How do I Find the Best Low Rate Loans for my Circumstances?

The MoneyExpert.com service is free to use and will tell you all the small print you need to know. Once you've decided on a low rate loan, you can even apply for it online.

Click here to go straight to the MoneyExpert.com loan calculator and find your perfect low rate loan.

Your Guide to Finding a Low Cost Loan

Low cost loans come in many different shapes and sizes. When you consider a low cost loan, you might only look at the Annual Percentage Rate charged, but you should also be aware of the other ways in which lenders products can benefit their customers. The key to finding a low cost loan is shopping around and understanding the market. Click here for our free Guide to loans to help find the perfect low cost loan.
Low Interest Rates

The most obvious way to choose a low cost loan is by looking at the rate charged, known as the Annual Percentage Rate [APR]. On the whole, choosing a low APR is the easiest way to save money on your repayments. But how do you know you're making the right choice? New loans are introduced all the time and lenders are always changing their rates, so the only way to tell which low cost loan is the best is to compare them all, including the key terms and features of the product.
Fixed and Variable Interest Rates

If you're looking for a low cost loan, you should ensure that your interest payments remain low by choosing a fixed rate loan. Since a rock-bottom APR is unlikely to get much lower, you will insure your payments against any changes in interest rate so that you can budget accurately each month.
Loan Fees

Some lenders charge a loan arrangement fee when you take out your loan, in much the same way that a credit card provider can charge an annual fee for owning the card. While this fee can bring down your interest rate, it's more sensible to take out a loan with a low rate and no fee, as there are plenty of these around. Some lenders also charge you the equivalent of two months' interest if you choose to repay your loan early. Early repayment of your low cost loan can seriously reduce the money you spend on it, so try to pick a loan that is easy to pay back if you find you can afford it.
Choosing a Low Cost Loan

The best low cost loan is one that has a low, fixed APR, no arrangement fee and no early repayment fee. You might think that this perfect loan is hard to find, but there are plenty out there if you know how and where to look. Be careful if your credit rating has been damaged though: your application for a low cost loan will probably be rejected and your credit score will suffer. Use our free postcode model to ensure that you are choosing only from providers who are likely to accept your application.

The MoneyExpert.com comparison service can search through all available loans for you, giving you a simple table of the best low cost loans for you and a summary of the key product features. Just answer a few simple questions about the type of loan you're after, and it will do the rest for you.
Compare Low Cost Loans with MoneyExpert's comparison service. It's free and impartial, and will only take a couple of minutes of your time. Once you've decided on a loan, you can then apply for it online there and then.

A Cheap Loan - An Impartial Guide To Cheap Loans

How to Find a Cheap Loan

Cheap loans are increasingly available in the UK, as more loan companies come onto the market creating more competition and interest rates remain low. If you're looking for a loan, your main priority is probably to get the best value for money, so here are MoneyExpert.com's tips on finding a cheap loan that's right for you.
What to Watch out for in a Cheap Loan

When you're looking for a cheap loan, you probably just think about the interest rate (or APR), but there are other charges to consider that might make a difference. For instance, some lenders charge a loan arrangement fee when you apply or a fee for rapid delivery of the money into your account. Like credit card companies charging an annual fee, this might bring your interest rate down, but you'd be better off looking for a cheap loan with no fees and a low rate.

You might also be asked to pay an early repayment fee, or settlement charge. This will only apply if you decide to pay off your loan before the loan term expires, but lenders can charge the equivalent of up to two months' interest for this. Even if you don't think you'll be able to settle your debt early, it's worth looking for a cheap loan that doesn't charge for early repayment, just in case.
Find the Best, Cheap Loan That's Right for You

There are plenty of cheap loans available in the UK. Most high street banks and building societies offer one, most of these companies offer an online option as well, and new online banks are launching all the time. It's difficult to know where to start looking for your cheap loan, but all this competition means that there's one for everyone, it is just harder to sort through the huge amount of offers to find that perfect loan for you.

To help you shop around for your cheap loan, MoneyExpert.com offers a unique loans comparison service that searches the market for loans that match your criteria, including customer service measures. All you need to do is answer a few simple questions about your loan: for instance, how much do you want to borrow? Are any features of particular importance to you? How much can you afford to pay back each month?

The service will then give you a list of the cheap loans that are exactly right for you. The small print will be set out clearly, so you can look for a loan with a low APR, no arrangement fee and no early repayment fee. Without this easy-to-use comparison service, you'd have to search the literature of all the loans available in the UK to get a good idea of which loans would suit you best.

The MoneyExpert.com service is completely impartial - no lender has any interest in the Company. MoneyExpert.com makes its money from small commissions from the lenders, but this does not affect their ranking on the league tables you receive and all providers are included.

So what are you waiting for? Click here to go straight to the MoneyExpert.com comparison service and find the cheap loan that's best for you.

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