A personal loan from Need Credit will allow you to consolidate all your existing unsecured debt and provide you with just one monthly repayment, which could leave you with cash to spare at the end of each month!
It is not always easy to get accepted for a personal loan, as there is often a much stricter acceptance criteria, as the lender has no asset with which to secure it.
Need Credit have access to many different types of personal secured loans. So even if you have a bad credit rating or have been turned down for a personal secured loan in the past - we may still be able to help.
As the personal secured loan will be secured against an asset, usually your home or your car, it can often offer you a more favourable rate of interest than an unsecured loan, although the actual interest rate is often dependant on your financial circumstanced.
For advice about a personal secured loan, please call the Need Credit specialists on 0800 048 1774 or fill in the Quick Enquiry Form to your right and we will call you back.
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.