Loans, Secured loans, Unsecured loans, Personal Loans, Tenant Loans, Cheap Loans

There's never been a better time to get a loan. There are hundreds of lenders desperate to lend you money whether it's to buy a car, pay off expensive credit cards, or install the conservatory you always promised yourself.

In our experience, it's a matter of finding the cheapest lender that suits your personal credit record.

At Kings College Brokers we work with ClickLoans , a specialised loans broker, to find you a cheap loan deal. Their special skill lies in knowing which will be the cheapest lender for your own personal circumstances. These days lenders pick and choose their customers by looking at their credit record - and some can be really picky . So if you apply to the wrong lenders you can end up with a string of rejections. That's no good for you and the rejections themselves actually damage your credit record!

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Credit problems? No problem!

Credit problems should be no problem! The Loan Adviser from ClickLoans can source great deals even if you've had credit problems. Even with outstanding County Court Judgements or a default on your mortgage repayment or have other arrears, he should still be able to help you. Put him to the test ! Click here for details of APR rates and Statutory Warnings

Top Tips
for Loan shoppers.

Never borrow more than you need - you'll only end up with higher monthly repayments and over the years you'll end up paying back much more in loan interest.

Never borrow more than you can afford - if you do you're asking for big financial trouble and it can make your life miserable. If you're in deep financial trouble speak to a someone who can advise you or visit The Citizens Advice web site at www.adviceguide.org.uk/index/life/debt.htm

Always remain in control - check out the monthly loan repayments and how much you'll pay back in total.

Check out the APR interest rate - the APR's are based on a standard formula for interest rates set down by UK law. The APR enables you to make an exact comparison of the interest rates being offered to you.

Lenders are different - the terms on which lenders grant a loan can vary. Interest rates are different and some may charge some extras like administration or legal charges. Closely study what they're offering.

Watch out for the small print - Yes lenders do have small print! Although a low APR is always the main factor in a cheap loan , you should always check out the small print as that's where you'll find any extra conditions. Please be wise - sometimes it isn't the loan with the lowest APR that suits you best. Discuss it with the Loans Adviser from ClickLoans.

Only apply for one loan at a time - You should be aware that all loan applications are recorded on the credit files held by central credit agencies. Multiple loan applications are certainly frowned upon by lenders and if you've make multiple applications it will damage your credit rating. The centralised credit agencies hold their computerised records for seven years.

Consider insurance for your loan repayments - You don't want to run into arrears if you were to lose your income because you are made redundant or have an accident or become sick. So it's a good idea to take out loan repayment insurance - especially if you have a secured loan. (i.e. the loan is secured on your house). However, make sure that you take out this insurance separately from your loan - it will be much cheaper!

Finally, always check out the alternatives - Perhaps your mortgage lender will give you a better deal by extending your mortgage rather than you taking out a separate loan.

If you're off work, who'll pay your loan repayments?
Loan Protection Insurance will !*

If you're wise you'll get Loan Protection Insurance to run alongside your loan. *Subject to certain conditions, if you are unable to work due to accident and sickness, or lose your job due to unemployment, your monthly loan repayments will be met. Premiums start at just £2.50 per £100 of monthly benefit .

Click the link below and we'll take you to the site operated by British Insurance Ltd who will organise the insurance for you online.

Get a Quote for Loan Protection Insurance.
Courtesy of British Insurance Ltd
through their web site Protectiononline.com

Kings College Brokers

Our painstaking research safeguards your financial health.

Statutory Wealth Warning
Your home may be repossessed if you do not keep up your repayments on a
mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts against your home.