Loans
Loans
Loans: the company behind it
The brand on an advert is rarely the company you sign with, so here is how to check the legal entity, home market, licences and support options of six lenders.
Loans
Loans: rates and costs
Loan costs vary far more than the headline rate suggests, so this guide works through annual rates, one-off and monthly fees, early repayment rules and worked examples lender by lender.
Loans
Loans: application and funding speed
Loan funding speed is easier to judge when you split the decision from the payout, then check that the amount and repayment term suit the bill you are paying.
Loans
Loans: regulation and registers
Loan comparisons are easier to weigh once you know whether a brand lends its own money, which register lists it and what its permission reference is.
Loans
Loans: safety and regulation
Check who actually lends the money, match the licence to the name on your agreement, and read the total in a representative example before you compare monthly payments.