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Voucher Codes. Just Eat. National Trust. Premium Articles. They usually charge a lower rate of interest when compared to a credit card on larger balances. Your loan repayments will also usually be a fixed amount each month, which can make it easier to budget. The interest rate you pay on a personal loan is usually fixed but not always - check that it is fixed not variable.

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  • You can consolidate several debts into one personal loan, potentially reducing your monthly repayment costs. But be careful, as this might mean extending the length of the loan and so paying more overall. Find out How to reduce the cost of your personal loans. How to check your credit report. Do you need payment protection insurance PPI? Learn more about Peer to peer loans. Check the best personal loan rates on the Which? Secured and unsecured borrowing explained. Did you find this guide helpful? Yes No. Care to share? Thank you for your feedback.

    Related guides Borrowing from a credit union Benefit payment advances and Budgeting Loans Secured and unsecured borrowing explained. How to survive the pre-Christmas sales What the QuickQuid announcement means for you Cut the cost of Christmas dinner. More in 'Help with loans' Second charge or second mortgages Payday loans advice Alternatives to payday loans Refused credit or refused a loan — what you can do Loan calculator Credit brokers and payday loans View all … articles in Help with loans.

    Back to top Debt and borrowing Before you borrow. You need to know how much you want to borrow, how long you want to borrow for and how much you can afford each month. Then you can compare the different loans available.

    Are you eligible?

    Our loan calculator could help you work out the costs. Frequently Asked Questions How long does it take to apply? Applying online can take minutes if you have your details ready. Some secured loans take longer as the lender will need to value your property. How quickly will I get the money?

    If your application is approved it could be in your account within 24 hours. However, some lenders take up to 5 working days to transfer the money. What is a soft search? The other applicants can be offered a higher interest rate instead. Do all loans offer fixed APRs?

    No, while most unsecured personal loans offer fixed rates, some secured loans offer variable interest rates that may change. What can I use the loan for? Most loans can be used for almost any purpose. Some cannot be used to pay other debts, for buying property or land, or for gambling or investing.

    Personal Loans - Personal Loans Calculator | HSBC UK

    Can I get a joint loan? Yes you can apply for a loan with someone else, but you will both need to meet the lending criteria and may have to live at the same address. Can I get a loan if I have bad credit? Most lenders check your credit record so bad credit may limit your options. You could consider a guarantor loan or loans for borrowers with bad credit.

    What happens if I miss loan repayments? You could be fined by your lender and it will end any low interest incentives. It can also leave a negative mark on your credit history. This can lead to higher interest rates for any loans you want to take out in the future. What is a repayment holiday?

    These are useful if your personal circumstances change, such as losing your job. Can I pay off my loan early Yes. You can pay off your loan before the end of the term.