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A personal loan is a one-off cash payment, paid into your personal bank account. Then, it’s down to you to repay the loan (plus interest) with fixed monthly repayments, which you’d agree with the lender at the start.
When it comes to loans, there’s no such thing as a one-size-fits-all approach. The cost of your repayments will depend on the amount you borrow and how long for, and your circumstances.
An ‘unsecured loan’ is the same as a personal loan for whatever purpose. This means the loan isn’t secured against anything you own, like your house or car. The alternative is a secured loan, where the money you borrow is secured, usually against your property.
You can receive your cash upfront
You can often borrow more than compared to credit card
Can be used for almost anything
Fixed monthly payments can make budgeting easy
Interest rates are usually fixed
You can decide the length of your loan, although the maximum term is 10 years
You can overpay to become debt-free sooner, however it might be worth checking with the lender to see if there are any charges involved
You can use a personal loan to boost your credit score, by making your repayments on time each month
Interest rates can be higher than other types of credit. Unlike a secured loan, a personal loan isn't secured against anything you own, such as your home, so the lender needs to balance out the risk of lending without collateral.
Some personal loans have variable interest rates, meaning the rates can go up or down.
Interest rates tend to reduce with the more you borrow, so you might be tempted to take out a bigger loan than you need
East Devon District Council, Blackdown House, Border Road, Heathpark Industrial Estate, Honiton, EX14 1EJ