Flexible Unsecured Loans
If you Need Credit then you may be looking for a flexible loan which will suit your financial circumstances. If you loan is truly flexible then it should be able to offer you:
- The choice to make over-payments and lump-sum payments, both of which allow you to clear the debt over a shorter time period than first agreed.
- Repayment holidays or payment breaks, which allow you to take a break from your monthly repayments. This can be at the beginning of your loan (known as 'deferred repayment') or at any agreed point during the term.
Free Advice on Flexible Loans
Remember, not all loans are flexible and there could be additional charges which you are not aware of. Always seek a loan from a reputable loan provider and ensure that you are familiar with the terms and conditions of the flexible loan.
The best way to see what loan type is for you is to get in touch with our Need Credit advisors. We will search the market and try to find you the best loan for your financial circumstances.
To find out if a felixble loan is available for your circumstances, please call Need Credit on our freephone number - 0800 048 1774.
LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. 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.
For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.
Need Credit is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd. Ask Finance Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.