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Loans FAQ:

 

A loan or an overdraft?

  There are several methods to borrow or obtain finance.

  If the amount you want to borrow is quite low, or you want to borrow for a short period of time, a personal loan may not be the best option.

  In fact it may be better to take out an overdraft with your bank, or make use of a credit card, or even look into taking out a payday loan.

  However, for larger purchases, credit consolidation, a new car etc., a personal loan may well be the best option.

  Secured loans will give you, in general, a lower APR than unsecured loans, meaning you repay less over the term of the loan.



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