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Mr A K (Dundee)
Quality service – Excellent
Quality Doc’s – Excellent
Quality of advice – Beyond excellent, top class
How often kept waiting on the phone - Never
Would you recommend us to a friend – Definitely

Mr D F T (Essex)
Quality service – Excellent
Quality Doc’s – Excellent
Quality of advice – Excellent
Helpfulness of staff – Excellent
How often kept waiting on the phone – Some calls
Would you recommend us to a friend – Yes
“Smooth from start to finish, first time used Essential Loans and will definitely use them again.”

Mrs F M (Notts)
Quality service – Excellent
Quality Doc’s - Good
Helpfulness of staff – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Yes
“Very helpful, always kept me well informed.”

Mr D T (Essex)
"Very quick, accurate, very efficient, can’t complain, no problems what so ever. Would recommend and use again."

Mr D M (Cumbria)
Quality service – Good
Quality Doc’s – Good
Quality of advice – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Already have (brother).

Mr D R (Surrey)
"I was very pleased with the service I received. You were very helpful and understanding and very efficient."

Mr P C (Shropshire)
"Very efficient and very helpful, we got everything we needed with no problems at all."

Miss K H M (Aberdeen)
Quality service – Excellent
Quality Doc’s – Good
Quality of advice – Good
Helpfulness of staff – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Definitely
“Really good questions always answered. Whoever I spoke with was always more than willing to help.”

Mr B M (Wiltshire)
"Warm friendly service, got to the point very quickly and stayed with it to a successful conclusion."

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Learn About Finance


Benefits of a Bad Credit Personal Loan

Outlined below are some of the many benefits of a bad credit personal loan. They are becoming increasingly popular these days. A poor credit history can happen to anybody at any time...


Benefits of a Consolidation Loan

There are many benefits in choosing a Consolidation Loan, some of which are listed below...


Benefits of a Home Improvement Loan

A home improvement loan is ideal if you need more space but cannot afford to move house. Lofts can be converted and extensions built. As the number of mortgage applications declines, home improvement loans are an increasingly popular option for home owners and growing families...


Benefits of a Homeowner Loan

If you are a homeowner, you have a better chance of borrowing with a Homeowner Loan and securing the amount against your home. A Secured Loan is so called because you put up your home as collateral or security for the lender. Since this is a form of security for the lender, you as the borrower benefit too by having lower interest rates to deal with...


Benefits of a Personal Secured Loan

A personal Secured Loan is a personal loan that is secured on property and can offer many benefits. A personal Secured Loan is offered to individuals rather than business...


Benefits of a Secured Loan

The Secured Loan is favored by many seeking credit for a number of reasons...


Benefits of an Unsecured Loan

Unlike a Secured Loan an unsecured loan is a loan which does not require you to have any collateral to secure the loan against. As the loan is not secured against any of your assets you do need to have a positive credit history in order to qualify for an unsecured loan...


Consolidate your Debt into one Monthly Payment

Are you feeling overburdened with debt? Are you paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, convenient repayment through a Consolidation Loan?...


Finance Tips

Here are some useful finance tips to get you started on the right path to your finance success. Knowing how to secure your financial well-being is one of the most important things you'll ever need in life. You don't have to be a genius to do it. You just need to know a few basics, form a plan, and be ready to stick to it. No matter how much or little money you have, the important thing is to educate yourself about your opportunities...


Financing a New or Used Car

If you decide to finance your new or used car, be aware that the financing obtained by the dealer, even if the dealer contacts lenders on your behalf, may not be the best deal you can get. Contact lenders directly. Compare the financing they offer you with the financing the dealer offers you. Because offers vary, shop around for the best car finance deal, comparing the annual percentage rate (APR) and the length of the loan. When negotiating to finance a car, be wary of focusing only on the monthly payment. The total amount you will pay depends on the price of the car you negotiate, the APR, and the length of the loan...


Guide to a Bad Credit Loan

A bad credit loan means that you are taking out a loan that may depend on your credit history. Your credit history includes County Court Judgements, and defaults on repayments of previous loans or financial transactions. To the loan officer in your bank, this may mean that giving you a loan could be a risk because according to your history, you are more likely to have late or defaulted repayments...


Guide to a Consolidation Loan

A Consolidation Loan is a loan used to repay several other loans. A Consolidation Loan is a low cost loan secured on your home. It will free up the spare capital (equity) in your home to repay your store card and other debts. A Secured Loan can reduce both your interest costs and your monthly repayments, putting you back in control of your life...


Guide to a Home Improvement Loan

What is a home improvement loan? Basically, they are a loan to be used for home improvement purposes...


Guide to a Homeowner Loan

A Homeowner Loan is a loan that is secured against your home. A Homeowner Loan (otherwise known as Secured Loan) can help you unlock capital tied up in your home. This particular type of loan will offer solutions that many other loans do not offer, like long repayment terms. However, they are normally secured against your home which will be at risk if you can not meet your repayments...


Guide to Loan Terms

A list of definitions of loan terms that may or may not be familiar to you...


Guide to a Personal Loan

What is a personal loan? A personal loan is money lent to an individual by a financial institution for a specific personal purpose. It is an amount of money offered, normally by lending institutions such as banks and building societies, on the condition that it will be paid back at some later date...


Guide to a Personal Secured Loan

A personal Secured Loan is a loan which is secured against your home to act as security to the lender for the money you have borrowed. A personal Secured Loan is often referred to as a Homeowner Loan...


Guide to a Secured Loan

A Secured Loan is a loan that a lender provides on the understanding that a property is secured against the loan. A Secured Loan is also commonly known as a Homeowner Loan and can be a sensible way to borrow for certain expensive items, such as home improvements or the need to take out a Consolidation Loan...


How to Finance your Dream Car

Have you thought about getting a better car? Ever thought of driving your own sports car? Want to purchase the latest car model? Are you wondering how to finance your dream car?...


Life Insurance Information

Life Insurance is a personal insurance plan designed to pay out a sum of money on the death of the policyholder. Life Insurance is an insurance that is taken out against a persons life. It will pay out either a lump sum or monthly contributions to the “trustee” or next of kin in the event of the policy holder's death...


Loans Guide

Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today...


Secured Loan Guide

The principal of taking out a Secured Loan is becoming increasingly popular due to their flexibility. Basically, a Secured Loan (or Homeowner Loan) is a loan for which you provide some form of collateral in order to cover the amount borrowed in the loan. A Secured Loan is a loan on which you as the borrower have provided the lender some kind of security for the money borrowed...


Secured Loan Information

A Secured Loan is a personal loan which is generally offered to homeowners. Otherwise know as a Homeowner Loan, a Secured Loan will require the home to be used as collateral against the loan, meaning that should you be unable to maintain the loan repayments, your home will be at risk...


Secured Loan Tips

A Secured Loan will enable most homeowners to borrow capital against the value of their property. A secured or Homeowner Loan is where the amount you borrow is secured against the value of your home. This is a loan that's secured on your property, which, if you already have a mortgage is also known as a second charge. So, providing you have equity in your home and can afford the repayments, the chances are you will be able to borrow against it...


Useful Tips on Borrowing Money

Here are some useful tips on borrowing money. Borrowing money is one of the most common sources of funding for a small business, but obtaining a loan isn't always easy. Before you approach your banker for a loan, it is a good idea to understand as much as you can about the factors the bank will evaluate when they consider making you a loan. Let's start by exploring some of the key points your banker will review...


Useful Tips on a Personal Loan

Here are some useful tips on personal loans. Personal loans providers can be found everywhere. Supermarkets, utility companies, junk mail, television, and magazines are only a few of the places where you can look for personal loans. However, with so many places to choose from, where do you start?...


What is a Bad Credit Loan?

A bad credit loan is a personal loan designed specifically for people with a bad credit rating. Lenders do not want to exclude those who have had previous credit problems, so many have created a wide range of Secured Loan packages for those who may not qualify for a loan elsewhere. However, created, your past credit record of County Court Judgements, mortgage or other loan arrears can live on to deny your access to finance that other people regard as normal...


What is a Bad Credit Personal Loan?
A bad credit personal loan is a loan designed for the many people with a bad credit rating. A bad credit rating can make your life a misery. The loan can be either a Secured Loan (otherwise known as a Homeowner Loan) or unsecured loan and is available for almost any purpose - Consolidation Loan, home improvements, holiday abroad, car purchase or many more loan purposes...


What is a Car Loan?

A car loan is a type of credit offered by a bank or other financial lender for the specific purpose of buying a vehicle. Car loans allow you to finance buying a new or used car and come in many forms. The two main types of car loan are a Secured Loan and an unsecured loan...


What is a Credit Report?

Ever wondered, what is a Credit Report? If you've ever applied for a credit card, Secured Loan, or insurance, there's a file about you. This file is known as your credit report. It is full of information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy...


What is a Consolidation Loan?

A Consolidation Loan could be the solution if your objective is to reduce interest rates and lower your monthly payments, avoid bankruptcy, consolidate your bills and have one monthly payment, or simply get out of debt the fastest way possible...


What is a Home Improvement Loan?

Looking to increase the value of your property? A home improvement loan can give you the home you want. It could be the easiest and cheapest way to make improvements to your home...


What is a Home Loan?

A home loan is the generic term for a loan. Otherwise known as either a Homeowner Loan or Secured Loan, it uses your home as security. It uses the net value of your property as security for the loan...


What is a Homeowner Loan?

A Homeowner Loan is a way of using the equity tied up in your property to raise money. Equity is the difference between the value of your home and your outstanding mortgage. Many lenders are willing to convert this equity into cash in the form a Homeowner Loan (otherwise referred to as a Secured Loan), which means that the loan is guaranteed by your property...


What is a Loan?

A loan is money that you borrow and agree to pay back over a set period of time with interest. It can be either a Secured Loan or an unsecured loan. The amount of money you borrow is called principal, and interest is the cost for borrowing the money. The length of time set to pay back the loan is known as the term...


What is a Payday Loan?

A payday loan is a small, short-term, high-rate loan. It is also referred to as: cash advance loan, cheque advance loan, post-dated cheque loan, deferred deposit cheque loan or cash loan. They are arranged for people in employment who find themselves in a situation where they are short of immediate funds...


What is a Payment Protection Plan?

A payment protection plan is an insurance cover you would normally take out when you apply for a loan in order to have peace of mind because no matter how healthy you feel today, nobody knows what lies round the corner tomorrow. Nobody is immune from unemployment or illness, which is why payment protection plans are offered as a means of protecting loan payments. A payment protection plan should definitely be given consideration when applying for a Secured Loan, as your home may be at risk if you are unable to keep up with your monthly repayments...


What is a Personal Loan?

A personal loan can be divided into two categories: a Secured Loan and an unsecured loan. Homeowners can apply for a Secured Loan (otherwise known as Homeowner Loan), using their property as security, whereas tenants only have the option of an unsecured loan. Below is a more detailed outline of both types of loans...


What is a Personal Secured Loan?

A personal Secured Loan is the generic term for a loan. In simple terms, a Secured Loan gives security to the lender on the loan other than a simple promise to repay the loan...


What is a Secured Loan?

A Secured Loan is simply a loan that uses your home as security against the loan. Otherwise referred to as a Homeowner Loan, a Secured Loan is suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. They are loans readily available for a number of purposes - Consolidation Loan, home improvements, car purchase, holiday abroad - in fact, you can take out a Homeowner Loan for just about any purpose...


What is a Secured Personal Loan?

A secured personal loan is the generic term for a loan. Otherwise known as a Secured Loan, it is one that is secured against your property. Secured Loan packages are readily available to homeowners for a wide range of loan purposes - Consolidation Loan, home improvements, car purchase - in fact they are available for almost any purpose you can think of.


What is a Small Claims Court?

A small claims court is a court set up to deal quickly with claims for small amounts of money. If you are suing someone or they are suing you for a small amount of money this is where you may end up. The small claims court can be found in your local county court...


What is a Tenant Loan?
A tenant loan is another term for an unsecured personal loan. They are aimed specifically at people who do not own their property an are therefore unable to apply for a Secured Loan...


What is an Unsecured Loan?

An unsecured loan is a personal loan where the lender has no claim on a homeowner's property as they would with a Secured Loan (otherwise known as Homeowner Loan), should you fail to repay. Instead, the lender is relying solely on the ability of the borrower to meet their loan borrowing repayments...

 
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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