LOOKING FOR A NEW CAR, BOAT OR EVEN JUST A HOLIDAY

Personal Loans come in all shape and sizes, so it pays to do your homework to find the best personal loan for your needs. Our loans database lets us compare personal loans according to the features you want, such as variable rate loans, fixed rate loans, the ability to make extra payments and so on.

Before you compare personal loans, it helps to work out what sort of loan features you want. The first decision is whether to get a fixed rate or a variable rate personal loan.

Fixed rate loans are ideal if you want the security of knowing that your interest, and therefore your monthly repayments, will remain the same for the life of the loan. On the downside, you will not benefit from falls in interest rates over the loan period.

Fixed rate loans can also be less flexible than variable rate personal loans, which generally have added features such as the ability to pay off your loan quicker by making extra repayments on top of your normal monthly payments.

Another decision to make when you compare personal loans is whether to get a secured or unsecured loan. Unsecured personal loans are more flexible as they do not require you to secure the loan against an existing asset such as a house or a car.

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