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There are plenty of lenders out there who offer unsecured personal loans but how do you know which one is the best in price and features? Sometimes it may not be one of the major banks who can offer the best fixed rate personal loan. There are a number of wholesale and P2P lenders who now offer rates that are often half what the big 4 banks are advertising. There are a number of ways you can help minimise the rate as well as increase your borrowing amount when seeking funding for a personal unsecured loan.
Some of these useful tips are…
Offer an asset that you already own to secure all or part of the loan amount.
User a qualified asset finance broker to assist in researching the market and protect your credit score.
Make sure your current loans are paid on time and you don’t have any 'Pay Day' or short term loans from high interest offerings.
Research lenders outside of the Top 4 Big Banks as these have often much lower interest rates.
Pay down any Credit Card Limits as this can prevent an approval or reduce the amount some lenders may be willing to offer.
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What Can I Use My Personal Loan For?
There are many different items you can use your personal loan funds for. Sometimes you will need to apply for an unsecured personal loan if the asset you are looking at to purchase is too old or does not fit the secured loan lending criteria. Sometimes the amount you need to borrow is above what the lender will lend you on a fixed rate secured car loan, so a personal loan is a better option.
Alternatively, most people use unsecured personal loans for things like holidays, weddings, school fees or for medical procedures and operations. Whatever your need is, speak to the team at Loans Unlimited on what is the best option for you and your situation. Speaking to an expert in this area will make sure you don’t get the wrong loan at the wrong rate which can be costly in the long run.
I didn’t think I was eligible for a personal loan as I’ve just come off maternity leave and mine and my partners credit rating isn’t great! Neil did everything he could to try help us get the loan. With Neil’s help I was approved and had the money in a matter of days. No fuss and repayments I can afford.
I would happily recommend Neil to friends and family.