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Personal Loans

Personal loans guide

Find the latest deals, reviews, guides and market news in Choose's money guide.

Latest loan news & commentary

16 May 2012 | News
Beware Sainsbury's loan rate 'guarantee'

A price promise on interest rates seems to make Sainsbury's loans more attractive. Does it?

26 April 2012 | News
Do MPs understand payday loans?

Research from the CFA shows that users and abusers of payday loans view the sector very differently.

16 March 2012 | Commentary
Credit unions: are they doing enough?

Consumer groups and Government strongly support credit unions. So why do they have so few members?

25 January 2012 | Commentary
Why don't more lenders offer quotation searches?

Why don't more lenders offer applications that can show consumers how much their lending will cost without a credit search?

28 September 2011 | News
Poor practice common in payday loans market

Consumer powerhouse reports firms to the OFT following short-term lender investigation.

1 February 2011 | News
Consumer Credit Directive comes into force

The Consumer Credit Directive is here - so what does it mean for those selling credit products?



Personal loan guides

Common questions

This is the place to start when looking to compare personal loans. Here we cover different ways to borrow, how various types of loan products work, including those for refinancing or debt consolidation purposes, and additionally things to look out for or know about when choosing between deals, such as tips on getting the cheapest rate.

A guide to credit unions

The Association of British Credit Unions shares some advice on community personal finance. Read more »

Alternatives to payday loans

We look into other options to borrowing from payday lenders and how to weigh up the considerations. Read more »

Debt consolidation loans

Can debt consolidation loans really help those juggling multiple debts. Read more »

Personal loans: the small print

How much should you pay for a personal loan? And where should you go to get one? We investigate. Read more »

This section offers answers to common queries about loans. Here we cover topics such as early repayment terms, peer to peer loans, as well as ways to prevent borrowing from unscrupulous lenders.

7 December 2011 | FAQs
Can I repay my loan early?

What right do you have to repay a personal loan early? Our full guide investigates.

1 December 2011 | FAQs
Is peer-to-peer lending worth the risk?

What are the risks for users of social lending sites like Zopa, Yes-secure and RateSetter?

More personal loan faqs »

Related tags:   Repayments   Zopa  


Consumer rights

Market research & commentary

An in depth look into various issues surrounding consumer borrowing and loans, covering rights issues and the market in general.

3 May 2012 | Guides
Debt charities vs debt management companies

Does profit or not-for-profit debt help offer a better service to consumers? David Rodger of the Debt Advice Foundation offers his views.

27 March 2012 | Guides
Informal borrowing: family loans

How can you protect your money, and your relationships, when lending to, or borrowing from, friends and family?

21 March 2012 | Guides
Consumer Credit Directive: 6 new rights

The Consumer Credit Directive came into force in February 2011: here are the six things all consumers need to know.

1 February 2012 | Guides
Dealing with debt: five things to know

Dealing with debt requires an objective look at finances as well as several techniques to help those facing difficulties.

Here we take a look at different factors in the loan market and present our findings.

23 April 2012 | Guides
Who's financially excluded?

Almost everyone agrees that financial exclusion should be stopped - but is it possible?

10 January 2012 | FAQs
Is banking complaints data useful?

Should you worry about how many complaints other people are making about a bank before you sign up? We investigate.

More loan market research »

Related tags:   FSA   Financial Ombudsman   Debt  



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