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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A personal loan will you to borrow between £5,000 and £150,000 over a period from 5 to 30 years. The Secured Loan can be used for any purpose and Essential Loans will help you through every stage of your application, explaining the whole process in terms you understand.
Our service is free and without obligation so why complete a No Obligation Quotation today and see exactly what we can offer you! It only takes a few minutes and you will be glad you did!
Personal Loan Checklist
All circumstances considered - All credit circumstances sympathetically considered - even if you have been refused a Homeowner Loan elsewhere.
Loans for any purpose - Consolidation Loan, new car, family holiday etc.
Self-employed Secured Loan requests, with or without accounts are welcome.
Personal Loans for those with a poor credit history - CCJ's, arrears, bankruptcy or poor credit scores.
Our service is free and without obligation so why not apply online today and see exactly what we can offer you!
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A personal loan is a way of borrowing money from a finance service provider. With this type of Homeowner Loan, you can usually borrow any amount from £5,000 to £150,000 over a period ranging from 5 to 30 years. Generally speaking, the more you borrow, the lower the interest rate, although this is not always the case.
Traditionally, if you needed to borrow money you went to your own bank and enquired about Secured Loan packages. Today the range of providers is huge, with everyone from supermarket chains to online financial providers offering to lend you money. With so many offers it makes sense to shop around and find the best loan for YOU!
A personal loan may be a good idea if you find yourself in any of the following situations:
A personal loan can can be in the form of either a Secured Loan or an unsecured loan. A secured or Homeowner Loan uses something of significant value to secure the loan amount. The most common source of security for such a loan is your home. A Secured Loan is less risky for the lender, usually lending to a lower interest rate and larger amounts available for borrowing.
An unsecured loan is not secured against something of significant value, so its much riskier to the lender. This type of loan usually comes with higher interest rates, smaller amounts available for borrowing, and can often include restrictions on how you can spend the money you receive.
In either case, secured or unsecured, the personal loans available to you will depend on your personal circumstances. Although there are now many specialised lenders that WILL approve applicants with a poor credit history, it is likely that they will charge a much higher interest rate.
You may increase the chances of getting approved by applying for a Secured Loan or by reducing your loan amount. Your credit history will be checked when you apply for a loan so lenders can access your credit rating. This is one of the most important factors for them to consider when deciding whether to offer you a deal.
Like any other loan, there are many reasons why might want to seek a personal loan. For example, you may be having trouble keeping current on payments of existing loans or credit cards and wish to merge them into ONE affordable Consolidation Loan. Or perhaps you want to take a holiday abroad or make those home improvements you've been talking about.
For those who sport a bad credit rating, taking out a Secured Loan may mean that you will be charged a much higher interest rate. Interest rates available to those with a bad credit rating are often higher because of the perceived risks to lenders, but they are a readily available source of funding for people affected by poor credit ratings.
While it's true that many lenders won't write a Homeowner Loan to people with a bad credit rating, there are many other lenders who specialise in such loans. They typically charge a higher interest rate but the benefits of getting your debts under control often outweigh the additional costs involved.
Whatever your need, why not complete a No Obligation Application with Essential Loans today. Our friendly staff are here to help, finding a Secured Loan tailored to your personal circumstances.
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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