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Online unsecured loans safer

New advice has been issued to protect people who plan to shop for Christmas presents online, using security systems offered by credit card providers Visa and master card.
The UK card payments association APACS has said that almost half of UK adults (21 million people) will shop for Christmas presents online this year.With this in mind the association has pointed consumers to the online security systems offered by MasterCard and Visa.”Cardholders can minimise their chances of suffering from online fraud this Christmas by registering for Verified by Visa or MasterCard SecureCode,” said Katy Worobec, head of risk management at APACS. “By participating, they can add to the combined fight against online fraud and shop online with safety.”Both systems offer cardholders the chance to register for a password, which does not appear on the card, so they can verify their identity when they make a purchase.

Most internet card fraud happens after cards or card details are stolen in the real world and then used by criminals online, APACS points out.

Posted in loan, unsecured loan, loan finance | Comments(0) November 2007



AA Lending lowers its unsecured loan rate

The AA has announced it is reducing its internet lending rate to 5.8 per cent APR on personal loans.This new offer extends to all unsecured loans between £5,000 and £25,000. The AA claims that as such they are now the cheapest online provider of unsecured loans.The general manager of AA Lending, Lloyd East says that the AA is raising its sights. He explains: “We are aiming to become a major player in the personal finance market and this 5.8 per cent rate underlines our determination to grow by offering market-leading rates for both loans and savings.”As people gear up for the last few months of, he says: “Christmas is approaching fast and most people promise themselves they’ll get organised in good time.”Mr East added that now was a good time to get in shape financially: “Budgeting now and taking out a low-interest loan will help you avoid the credit card devastation that often ends up with a panic to consolidate in the New Year with the first loan that’s offered.”It follows a survey carried out by the company, which found that almost two-thirds (61 per cent) of savers do not know what interest rate their account is paying.As a result many are simply wasting money due to their confusion over their own finances.

Posted in loan, loan calculator, unsecured loan, loan rate | Comments(0) August 2007



Loan purposes ‘more diverse’

There has been an increase in the number of people taking out loans for weddings and plastic surgery, according to new research.January is traditionally a busy month for Britons taking out unsecured personal loans for debt consolidation and holidays.However, research from Abbey reveals a 32 per cent increase in loan applications for weddings during the first two months of the year as well as more loans being taken out for a wider variety of purposes. Most notably, the number of people taking out loans in order to have cosmetic surgery was up by 50 per cent on the month, making it the fourth most popular reason for borrowing. There was also a ten per cent increase in the number of loans taken out to cover the costs of funerals. “It’s surprising just how many people are borrowing for different needs,” said Paula Ickinger, head of personal loans marketing at Abbey. “Only two or three years ago, the number of people borrowing for cosmetic surgery would have been very few and far between, but now it’s become a regular occurrence.”

Posted in Uncategorized, loan, personal loan, debt consolidation loan, loan calculator, consolidation loan, unsecured loan, loan rate, consolidate loan, unsecured personal loan | Comments(0) August 2007



Banks hike loan rates to curb consumer borrowing

Only one loan provider on the market now offers a sub-six per cent loan,  has revealed, a development which may indicate that banks are increasingly unwilling to lend to vulnerable consumers.Masterloan, the sole sub-six per cent lender, offers a typical loan rate of 5.9 per cent on advances worth between £5,000 and £15,000, but nine lenders raised their loan interest rates by one or two per cent in the last week alone.Higher personal loan rates can increase the financial burden on consumers, Michelle Slade, personal finance analyst at  has warned, with even small loans of around £3,000 to £5,000 becoming “over twice as expensive as a larger loan from the same provider”.Paradoxically, credit card loans seem to be becoming cheaper even while unsecured standalone loans become dearer, as the “zero per cent credit card market” flourishes.The key for consumers, Ms Slade stresses, is to look beyond the ‘typical’ loan rate advertised before taking on any personal loan, since your personal rate will vary according to your credit rating.

Posted in loan, loan calculator, unsecured loan, loan rate, bank loan | Comments(0) August 2007



Know if Instant Payday Loans are Right for You

You’ve seen the ads and have heard the stories. Now, you yourself need extra cash to cover for an emergency expense. Are instant payday loans the best solution for you? We examine what you need to know about these types of loans and whether or not you should turn to them to help solve your temporary cash problems.

What are instant payday loans?

If you’re familiar with cash advances, then you have an idea of what instant payday loans are. These are unsecured loans that are available in small amounts, typically ranging from $100 to $1000. Some lenders offer more, especially if you qualify.

If they are unsecured, what do I use for collateral?

Instant payday loans are designed for emergency cash needs, that is why they are available only in smaller amounts. If you need say, $2500, for example, you’ll have to find another source for your loan. While you will not be required to provide collateral, most lenders will require you to issue postdated checks, a show of good faith that you will pay back your loan.

What are the benefits of using instant payday loans?

Aside from being one of the easiest forms of loans to get, instant payday loans offer fast, convenient and secure transactions. Application procedures are short and do not require you to produce a lot of documentations. As long as you meet the qualifications, you could receive the money within 24 hours, even earlier.

Are there any disadvantages I should be aware of?

Instant payday loans by their very nature require a little bit of protection for the lenders. That is why borrowers are often charged higher interest rates compared to other types of loans. That makes instant payday loans more expensive. Lenders usually charge you about $15 for every $100 you borrow while other lenders charge as much as $30. That, and the fact that you will have to pay back the loan within a short period of time (usually as short as 14 days), makes instant payday loans a little difficult to handle.However, you can try to find a lender who can offer you the lowest rates. That way, your loan is a lot easier to pay for and you could save a lot of money in the process. Talk to several lenders first before you make your final decision.

Should I get an instant payday loan?

Instant payday loans are right for you if you only need a small amount of cash for a temporary problem. Instant payday loans should not be used to pay for more regular expenses such as mortgage, groceries or luxuries like clothes and sports equipment. Regular use of these types of loan should be limited and must be resorted to only in real emergency cases.You should also get an instant payday loan if you can pay back the loan amount and the interest on or before the agreed date. The horror stories you have heard about are people who obtained instant payday loans and were unable to pay them. They had these loans ‘rolled over’ as a new loan with a higher interest and ended up with a loan amount that is far too big for them to handle efficiently.A lot of people have been helped by instant payday loans but only because they knew exactly what they were getting into and were prepared to face them. Make sure you understand what is expected of you and you can take advantage of the full benefit of instant payday loans.

Posted in Uncategorized, payday loan, loan, loan calculator, payday loan online, unsecured loan, loan rate, payday cash loan | Comments(0) August 2007



Rate rises begin to bite

As rising interest rates begin to bite, you may find that keeping up with numerous monthly payments for loans and credit cards at assorted interest rates, becomes increasingly confusing. Added to that, every so often less frequent bills, such as household insurance and car premium renewal, rear their heads, and suddenly the amount going out each month is no longer covered by your monthly income.This is when debt consolidation can help. By combining all your loans and other debt, such as credit cards, into one, you have a single payment to make on just one day of the month and you know exactly where you stand.But there are some important things to look out for. And you need to do the maths, to make sure you would be better off by consolidating your debt, because there are a number of pitfalls.

The difference between unsecured and secured loans

First of all, you need to know the difference between unsecured and secured debt. If you already have a loan it is probably unsecured. The lender trusts you to pay it off in full and on time. And he will make checks that you can do this by looking at your credit record.The other type of loan is a secured loan, which, as the name implies, is secured against something of value that you own - in this case usually your home. The total cost Don’t just look at the headline interest rate or the monthly payments on the new loan you are considering. Look at the period the loan is arranged over. The longer the period of the loan, the more you’ll pay in interest in total. Ask for calculations of the total amount repayable over the period of the loan and compare it with your current arrangements.

Early repayment penalties on your old loans

When you are consolidating debt, remember to count in your calculations redemption penalties on existing loans. There is little point trying to save money with a new loan if you end up paying more by way of penalty charges on the old one.

Posted in Uncategorized, loan, unsecured loan, secured loan | Comments(0) July 2007



A new business loan is helpful for meeting the needs of a new business venture. It can be availed as a secured as well as an unsecured loan type.

It is quite natural that people would require monetary support for starting their business venture. New business loans are designed in such a way that it can cater to the needs of people who want to start their own business venture.
New business loans Can be used for the purpose of buying plants and machinery, purchasing premises for the office, and many other things which are required at the time of establishing a new business.

Business loans can be availed as a secured loan option. For availing this loan type, you need to put your property as collateral. With a secured business loan, you will be charged a lower interest rate and a longer repayment term. Borrowers will be having a lower monthly outflow.
If you have nothing significant to put as collateral, then an unsecured loan would be a wise option for you to take. With an unsecured loan, you can borrow a lower loan amount. Apart from this, it can help you in procuring the loans fast, as the valuation of collateral doesn’t takes place.
People whose credit history is less than perfect can also apply for the loans, if they fulfil the loan criteria of the lenders of the UK. A bad credit history could be anything like defaults, arrears, bankruptcies, County Court Judgments’ etc.
If you are really interested in seeking new business loans then you should shop around in the loan market. You should check out the rates which are offered by high street banks, building societies, and the private lenders. The competition among the lenders in the UK may help you in getting a good loan quote.
There are many loan sites which offer new business loans online. If you fill up the online application form, the lenders may contact you with a suitable loan quote. Once you get the loan quotes, it would be easier for you to select a good loan deal for yourself.

Posted in Uncategorized, loan, online loan, business loan, unsecured loan | Comments(0) July 2007



Finance your business activities without any security

Money begets more money and it is all the more true in case of business. So, if you want to invest more money in business and even if you do not have any security to offer, business finance is still available in the from of unsecured business loans.
Every businessman dreams of building a business empire, but those who plan it efficiently are likely to do well. A business plan requires many aspects to be considered and business finance is one of them. Also, a detailed budget and financial planning is very important and once you go through this process, any deficit in budget can be met through business loans.

Unsecured business loans may be the perfect fit for you, especially if you do not have any security to offer. Such loans can provide you those elusive funds that you may be looking for since a long time. Moreover, you do not require any property to be given to the lender as security, and you can still get the cash needed for business growth.

There is another dimension to this fact. Since, there is no requirement of security; lenders do not need to have the property valued. This results in saving a lot of time, making unsecured business loans faster to get. Another advantage that arises out of the same fact is that you can easily avoid the risk of repossession by not furnishing the security to the lender. You can continue your business without any mental tension and focus more on your business, rather than on the requirement of providing security.

There is a tendency among lenders to borrow unsecured business loans even if they have security to offer. This is done to escape the risk associated with secured loans, where you must provide security to the lender. Unsecured business loans can be used for a number of reasons, like starting a new business project; purchasing plant and machinery; purchasing raw materials and equipments, and meeting other business requirements.

The process of availing unsecured business loan is an easy one. You can apply online for the loan with several lenders, get loan quotes, compare them and select the one that is in your best interest.

           

Posted in loan, small business loan, unsecured loan, commercial loan | Comments(0) July 2007