Fast unsecured small loans for unemployed UK: taking care of you in financial adversities

Arranging finance becomes challenging for unemployed persons when sudden and indispensable demands pop up. The condition becomes worse when lenders ask for assets as security for loans. In an unemployed state, many people are reluctant or incapable of pledging collateral for loans. Fast unsecured small loans for unemployed UK is the solution to all these problems. This is a collateral free loan and meant specifically for unemployed individuals.

In the state of uncertain source of income possibility of obtaining a loan is less. But under fast unsecured small loans for unemployed UK, the unemployed category can easily access loan amount and fufill their personal demands. The applicants can obtain loan amount between £5,00 and £2,500. Numerous banks and financial institutions proposed small funds under this scheme to overcome the financial adversity. Due to the instable source of income the scheme is offered at a reasonable rate of interest and reimbursement is kept flexible. In UK, fast unsecured small loans for unemployed UK has become popular within a short period of time.

Considering Fast unsecured small loans for unemployed UK might be the answer to many financial problems. The funds of this loan are easy to access and repay. Most of the emergency and unavoidable demands can be catered with the assistance of this scheme. However, applicants need to qualify with the mentioned eligibility principles. The eligibility principles are: applicants should be a UK citizen; applicants should be of 18 years or above. Applicants should convince lenders about the repayment and also need to enclose their credit details while applying. The benefits are offered to both good and bad credit holders.

The online application process of Fast unsecured small loans (http://www.applyforukloans.co.uk/fast_unsecured_loans_uk.html) for unemployed UK is simple, fast and easy. While filling the form applicants are requested to provide accurate details to avoid delay in approval process. The provisions of Fast unsecured small loans for unemployed UK are made available on online round-the-clock. So, you can easily fulfill the sudden demands and sustain your carefree smiles.

Summary: Fast unsecured small loans for unemployed UK is an unsecured loan provide instant loans under simple and easy application process. The interest rates are reasonable and repayment term is flexible.

Personal loans for bad credit unemployed: making dreams come true

If you are an unemployed bad credit profile holder and seeking a loan to meet your personal demands then consider the personal loans for bad credit unemployed. The finance scheme is designed to provide financial aid to unemployed persons suffering from poor credit status. The loan can be approved by placing a security or in a collateral free manner. So, both categories of persons, homeowner and tenants are benefited from this loan scheme.

Unemployed persons capable of placing collateral can access huge loan amount from £5,000-£1, 00,000 with a reimbursement term of 10-25 years. You can pledge property as collateral that carry monetary value in the market like: house, land, commercial estate, car valuable documents, jewelleries etc. Persons who are incapable and reluctant to pledge assets can borrow loan amount between £1,000 and £25,000 with a stipulated repayment term of 1-10 years. Borrowing the loan is indeed rewarding and helpful for bad creditors. They can cater their miscellaneous personal desires. Personal demands like buying a fancy and luxurious car, going for holidays with the family, weddings, renovation of house, education expenses of children and likewise.

personal loans for bad credit unemployed is bestowed to persons who have a improper credit rating like default, arrears, late payments, bankruptcy, CCJ and debts. With the funds they can easily consolidate the unwanted issues and improve their credit rating. There is a lot of advantage for the borrowers because bad creditors can revitalize their credit and also execute personal demands at the same cost. In the competitive market, the interest rates differ. The best and worthwhile step to find reasonable interest rates is by contrasting the loan quotes of different lenders. To collect information and apply for personal loans for bad credit unemployed consider the online application mechanism. This hi-end device provides fast results and also saves effort and time.

So, personal loans for bad credit unemployed help unemployed bad credit holders to fulfil their dreams and also retain their credit in an easy way.

Summary: personal loans for bad credit unemployed bestow financial aid to unemployed bad credit persons so that they easily meet their personal requirement without facing financial hassle. The loan can be borrowed with or without using collateral.

Bad Credit Unsecured Personal Loans: Gives Wings to Needs and Luxuries

Getting a loan without asset is a common phenomena among tenants, non homeowners, salaried and even unemployed people. Unlike before, getting loan without security is not an issue at all. However, it is approved in easy and fast manner, as no time is consumed in the asset evaluation. The borrower is free from all sorts of lengthy and bulky paper work which make the entire proceeding relatively fast and hassle free. Mind it, for unsecured loans, the lending authorities usually check the repayment capability and monthly income. For their assurance, they check the credit score of borrowers, as it specifies past repaying capabilities.

If your credit score is prefixed with “bad” then do not worry, as you are eligible for unsecured loans. Since you have an adverse condition, you need to make extra efforts. The bad credit does not literally mean ‘bad’ in credit lending terms.

The bad credit situations are the result of delay in payments. The repayment mistakes made by the borrower can be intentionally or unintentionally. Some of the common reasons of non-timely or delay in payment can be loss of employment, accident, permanent disability, urgent need of hefty finance and lots more. These bad credit loans are carved out by the people having their names in the list of late payments, defaults, arrears, County Court Judgement or CCJs, IVA, bankrupts.

Borrowers with the bad credit score are open to two categories of loans- secured and unsecured. The bad credit personal loans are meant for the people who do not have or not want to place their valuable asset against the loan amount. These unsecured loans are best for those people who are looking for loans without any sort of security. The amount availed from the loan can be used for various personal needs and luxuries. Some people use the loan amount for buying luxury car, renovating home, funding higher education and meeting wedding expenses, while others use for consolidating their multiple debts.

With repayment of availed amount at proper time and specified installment, the borrower can improve his bad credit score. Therefore, it is rightly said that bad credit unsecured personal loans serve two purposes for a borrower. First, he can fulfill various needs despite the credit status and improve credit score by paying off the debts.

Unsecured personal loans for bad credit carry high interest rate more so when compared with the secured personal loans. The bad credit holder can avail the amount ranging from £500-£25,000. The repayment period is usually spread over the time frame of 6 months to 10 years.
source:http://www.bestsyndication.com/?q=20080711_bad_credit_loan.htm

Smart and Instant Money for all your Needs

People need monetary help for meeting various expenses and some of the requirements urgent. At times of needs, your bad credit may prove to be a huge hurdle in loan approval. However there are specific lenders who provide loans for all purpose to the bad credit borrowers in a smooth manner if you meet some conditions. The loan amount offered by these lenders can be used in variety of purposes like home improvements, for clearing weeding or educational bills or even for paying off the existing debts.

The tenants or non-homeowners can opt for unsecured personal loans UK which are approved without security. Income and employment documents of the loan applicant are considered sufficient for the loan approval. But a smaller loan amount of up to £25000 will be approved for shorter repayment tenure. The interest rate on these loans is kept higher as lenders need to cut risks of the lender. You should compare different lenders for availing comparatively lower interest rate before settling for a deal with a particular lender. If the installments of the borrowed amount are regularly paid off, your credit score will move upward, enabling you in taking a loan at easier terms in future.

While searching online for Personal loans UK, you need to be extra cautious. Your personal and financial information is often of a sensitive nature, you need to make out that the lenders website is genuine and securely accessed. The lender should firmly process your data, and mostly, you will know whether the information you provided is safe or not. Online personal loans UK are often offered with some extra clauses like processing fee, hidden cost early payment penalty. You should be aware of these jargons before you avail these lo9ans. The demand for these loans are very progressively increasing, so chances of you getting a loan that is brighter.

As implied by its name, personal loans UK can be spent to fund any of your needs. The requirement can be anything from home improvement to debt consolidation and educational purpose to wedding purpose. You can the desired cash for all these purposes competitive rates and flexible repayment term, as well due to stiff competition in the market. The bad credit borrowers can also avail the desired cash through loans for bad credit.

Source:http://www.bestsyndication.com/?q=20080704_high_risk_loan_lender.htm

Low Rate Unsecured Personal Loans: Meet Your Ends Elegantly

Borrowers can cater their varied multiple demands. Demands like buying an expensive car, going for holidays to far away destinations, weddings, expenses of children’s higher education, renovation of house and likewise. You get the fund you required to fulfil your diminishing demands. For the purpose, there are several finance options in which Low Rate Unsecured Personal Loans are considered the best. Awarding them the best is chiefly because borrowers do not have to place any of their worth asset as of the loan security. As a result, it covers the demands of a good amount of potential borrowers from different sectors of society.

These unsecured loans are personal loans. With the personal loans, you can cover the cost of your varied expenses elegantly. You can get a denomination amount that ranges from £500 to £25,000. Above all, the amount you get is approved without placing your property as collateral. So, these loans open financing ways for tenants or non-homeowners too. They can also borrow money without collateral worries.

Later, you are given a repayment period. This period is kept very short. Usually, you are given a span of six months. But if you are stuck with an unexpected eventuality then your creditor can give you reimbursement concession. With this, your repayment tenure can go up to 10 years.

Unsecured personal loans are slightly a bit costly though. Reason behind is that you do not place security for the loan. However, you can shop around for the cost-effective loan deal. Quarter of lenders is out there in the money market. You can access to them even online. Online method is simple and convenient. It saves a good amount of your time and energy. With this, you can compare different unsecured loan quotes and find out the cheapest possible one.

So, you can get low rate unsecured personal loans effectively. With the raised fund, you can cover the cost of your diminishing desired demands delicately.
source:http://www.bestsyndication.com/?q=20080606_compare_unsecured_loan_rates.htm

Unsecured Loans: Help get easier Option

Finance comes in various forms to serve your different purposes. You select a particular form of loan to pacify your particular needs. Often you wish to get it in lesser time and without having lengthy processing. But, usually the loans that come attached with the condition of collateral have lengthy processing and waste much of your time. So, to keep your demand at priority level now unsecured loans are provided to help you in a better way at these moments. You can avail this loan facility without putting any collateral.

Unsecured Loans can help you find your financial solution in lesser time, as the absence of lengthy verification and assessment procedure makes it simpler. These loans serve your every kind of your purpose and give you freedom to invest the amount without any confinement. Some of expenses that are commonly paid off with this loan facility are college fee, outstanding bills, buying a car, wedding cost, luxury holidays, and even debt consolidation.

Your financial profile or repaying capability is directly linked with the allocation of amount with this loan. You can find any sum here matching your repayment capability that usually varies from £1000 to £25000. You find here a flexible repayment term here that can be usually from 1 to 10 years.

Usually these loans have a slightly higher rate of interest, as you pledge nothing here for the assurance of the repayment. However, it is growing competition in the market that is checking upon the rate and helping you get it in moderate form. further you can have a chance to get an improved rate here when your personal profile keep some of helping factors such as good credit score, sound financial prospect and even judicious decision while selecting the loan option. You can compare among the available options to get a better rate, as it can also vary with the lenders. You can find these lenders even online that enables you find various options and comparing too easily.

Unsecured loans make way for every one to have their financial solution in very easy manner. You no need to take the hassle of putting collateral while availing these loans that makes it possible for you in every of your condition. The multipurpose utility of the loan help you sort out any kind your expenses easily and even in lesser time for its simpler availability.

source:http://www.bestsyndication.com/?q=20080425_best_unsecured_loans.htm

Unsecured Personal Loans Bad Credit History: Double Treat For Bad Creditors

You have just seen the house of your dreams but you have had credit problems or you want to purchase some article but are stopped due to bad credit ratings. The ability to find home loans with bad credit can be difficult but not impossible. Here is a solution for all bad credit rated persons who don’t have collateral to keep- Unsecured personal loans bad credit history.

Brief

Unsecured loans are those which are not secured on anything. These are mainly beneficial for tenants and those who do not wish to risk their real property. However, because of this, unsecured loans come with a higher rate of interest. Also, in case you are unable to repay the loan, the lender can always file a legal action suit against you, and your real or private property might come under risk.

Also, having a bad credit makes it even more difficult to obtain an unsecured loan, and it comes with additional rate of interest. Moreover, lenders do not offer a very high amount in these cases. However, there is no restriction on how you use the loan amount, for any legal purposes such as consolidating your old debts, planning a vacation, or wedding, funding your child’s education, etc. The rate of interest with unsecured personal loans bad credit history would depend upon your current economic condition, employment situation, loan amount, and credit history.

Unsecured personal loans bad credit history : Rate of interest and repayments

Typical rate charged is 19.9 % APR variable .But the rates vary from 7.4% APR variable to 41% APR variable. The highest rate is for customers with severe credit problems. The repayment tenure depends on the rate charged and it is fixed by the lender.
source:http://www.bestsyndication.com/?q=20080412_bad_credit_personal_loan.htm

The need of the hour

Improving access to efficient and reliable services is a prerequisite to effectively combat poverty and stimulate economic growth. In general, commercial banks are not equipped to provide services to the poor and to micro-businesses. True to its origins and mission, Rabobank has, for decades, been at the vanguard of taking this difficult problem seriously and contributing towards solving it.

Rabobank is committed to continuing to fulfill its cooperative mission in developing countries. It achieves this aim via the Rabobank Foundation that has been active in the field of micro-financing and trade financing (fair trade) for nearly 35 years, dedicated to improve the position of the underprivileged in society.

The Rabobank Foundation has supported local, specialised institutions that in turn provided small farmers and women with micro-credit loans. Micro-credit can be defined as providing small, short-term, in most cases, unsecured loans to poor people, either individually or in groups. The reality is that micro-finance may be perceived as over-promising and under-delivering, but continues to be an effective development tool. First, micro-finance provides financial services to the low-income section of the population, which will benefit substantially from the ability to manage their cash flows. Second, micro-finance has supported a number of other important development objectives - including improving school enrollments, child nutrition and health, maternal health, and female empowerment. Third, even if most micro-finance initiatives require some ongoing support, few other development programmes come close to its cost-effectiveness. For all of these reasons, donors should accept micro-finance for what it is—an important tool in development.

Studies conclude that programmes that focus on poverty alleviation rather than those that focus on financial results are more effective. What is still missing from most micro-finance initiatives is an innovative mix of products targeted to reach the poor. Studies have shown that delivering micro-finance in conjunction with other services, such as health information, basic literacy, and business training, achieves better poverty reduction. Not only does a comprehensive approach to poverty reduction create positive synergies that are more likely to break the cycle of impoverishment, but the regular meetings of micro-finance groups also provide an effective delivery mechanism for other social services.

source:http://www.financialexpress.com/news/The-need-of-the-hour/294254/

Any Time Money, Any Purpose Money

There are times when you want to have fast loans to fulfill your urgent needs and monetary requirements. The reasons could be anything, like paying medical bills on an urgent basis or paying the university fees or planning for a vacation. There are also some needs where you have to meet your financial requirements in a quick manner.

The lenders in the UK offer loans to meet the urgent requirements of the borrowers. Since these loans are security free loans, you need not to put your valuable asset as security. The lenders usually charge comparatively higher rate of interest with this loan type. But, you should consider the fact that you are getting the loans in the briefest span of time.

Some lenders take all the pains in offering the fast personal loans as quickly as possible. They understand the urgency of the borrowers, and take all the appropriate steps in order to make the processing fast. Though the documentation process can’t be avoided, all the efforts are done in order to release the loan amount as soon as possible.

There are many advantages with fast personal loan option. The good thing with this loan type is that you can avoid the risk of repossession of your property. Since it is an unsecured loan, the processing of the loan is naturally fast. A significant amount of time is saved in the loan processing because the valuation of the security is not required.

You can apply for a fast personal loan from the cosy comfort of your home. If you apply for the loans on the Internet, you can receive many free loan quotes from different lenders. The Internet provides you expediency in the matter of application. Characteristically, these loan offering websites have an application form online. However, you can also approach high-street banks, building societies and the private lenders across the UK.

Due to the fierce competition among the private lenders in the UK loan market, they can offer you a loan on better terms and conditions. These loan plans are the most common form of loans in the market today, which is quite a paradox when one realizes that the lender is giving away the loan based purely on the borrower’s honesty and his past credit record. However, getting a good deal on loan is harder than it seems from the outside if you do not compare with different lenders.
source:http://www.bestsyndication.com/?q=20080326_secured_personal_loan.htm

Is it Really Possible to Get an Unsecured Personal Loan with Bad Credit?

There are many lenders out there that claim to offer unsecured personal loans for people with bad credit. However, when people apply for the loan they want, they get declined due to a bad credit score or history. You may wonder whether it is possible to get approved for an unsecured personal loan with bad credit. Unfortunately, the answer is more complicated than a mere Yes or No.
Unsecured Personal Loans

Unsecured personal loans carry no collateral which means they are not guaranteed by any tangible asset. The risk involved for the lender is a lot higher than with secured loans and that is the main reason why unsecured loans carry higher interest rates.

Given that the lender has no material guarantee whatsoever that you will repay the loan, your credit score and history will become his main concern. Your current ability to repay the loan and your past credit behavior will give the lender an idea of what the chances are that you will fail to meet your monthly payments.

All the above will determine the interest rate you will have to pay for the loan, the loan amount you´ll be able to get and the loan length you can get approved for. Once you´ve understood this, the answer to the question asked at the beginning of this article will be easy to answer.

Unsecured Loans with Bad Credit

Bad Credit is always an issue when it comes to loan approval. But even when loan approval can be obtained with bad credit, your credit score and history will determine the conditions of that loan. Bad Credit implies a high risk, and a high risk implies higher interest rates, lower loan amounts and shorter repayment periods.

There are loans that don´t even require credit checks, they are called pay day loans or cash advance loans. Both are personal loans and carry no collateral, so they are actually Unsecured Personal Loans. You can get one of this just by showing proof of a steady income and by having a bank account regardless of your credit score or history. However, as explained above, the risk for the lender is so high, that you´ll have to pay high interest rates, you will be able to get up to $2000 only and repayment will be due in just a couple of months.

As you can see, it is almost always possible to get an unsecured personal loan with bad credit, no credit or even with a past bankruptcy on your credit report. However, you cannot always get the loan you want. The amount of money you can request will be limited and so will be the repayment schedule.

The smartest thing to do is to determine how much money you strictly need, how much money you can destine every month to repay the loan and with that information contact different lenders and request loan quotes. Getting an unsecured personal loan with bad credit is always possible but not always in your best interest.
source:http://www.americanchronicle.com/articles/53359

No Credit Check Unsecured Personal Loans

Are you planning to give your home the all new majestic look? You might take this as an awful joke as you are neck dip in debt burden and perturbed by the dark patches in credit score. Still, your home renovation sketches have every right to have the sigh of relief. How! Loans without any credit check will definitely drag you out of the orbit where financial burdens sound more profound than the hopes, desires and dreams.


Your less than perfect bad credit history will not be a barrier to avail the loan facility. No credit check personal loans are specially designed for those Britons who are in a state of mental agony because of the ebbs in their credit history. These loans offer you cheap financial solutions to renovate your home without any security. The most important aspect of these loans is the prevention of further declination in credit score. If your credit rating is not good, frequent searches about your credit history make it worse. As these lenders are least worried about your credit history, there is no need of credit check and any further worsening of credit rating.


You can apply for the no credit check Unsecured Personal Loans online and go for the desired renovation works. You should not be worried about the repayment. The pay back period and pattern are so borrower-friendly that you can easily maintain regularity in repayment. Easy and affordable monthly installments make your outgoings under control. These loans also offer you an added advantage of improving the wretched credit score if you pay installments regularly. Do not be late anymore, fill up the online loan application today and discover the golden feathers for your hopes.
source:http://www.losangeleschronicle.com/articles/54875

Unsecured Personal Loans with Bad Credit - No more Hassles

Has there ever been a time when you wanted to take a loan? The need may be any of your family expense like car repair, medical expenses, children school fee etc, but couldn’t find a lender who was willing to do so? Or maybe you found a lender and took his offer though it involved exorbitant rates because of the circumstances. You certainly cannot blame such events on something like bad timing or tough luck; maybe it’s something you never dreamt possible. It’s nothing than bad credit rating.

Unsecured personal loans with bad credit are offered especially to bad credit holders. The reason of poor credit may include any of the following – declaration of bankruptcy, arrears, CCJ’s, defaults etc.

If you have any of these problems, you don’t need to loose sleeps over them. Unsecured personal loans with bad credit are there to solve all your problems and increase your credit rating. These loans are offered mainly on the basis of your credit score. Credit score is a number that tells you how you have been paying off your debts till now. The lender will see the number of errors in your credit score and according to that he will determine whether you are eligible for the loan amount or not. If you are a fist time borrower, do not panic. You will be the most beneficiary.

Unsecured personal loans with a bad credit do not ask for any security but the loan amount is a bit less i.e. £1000-£10,000 and the repayment being anything between 6 months and 10 years. Due to the boom in the loaning business there arose lots of government and private organizations. Applying for government institutions takes more time compared to private institutions. But if you want instant cash, you should take the help of private institutions. There are lots of lenders working under both government and private institutions that makes your search for money easy.
source:http://www.bestsyndication.com/?q=20080312_unsecured_personal_loan.htm

Low secured loan rates start to match personal loans

Average rates for secured loans are starting to close in on those offered for unsecured personal loans, according to new analysis.

Research from MoneyExpert.com reveals the lowest rate available for a secured loan is currently 5.9 per cent – some 2.5 percentage points below the average personal loan rate of 8.44 per cent on a loan of £15,000.

The cheapest personal loan of £5,000 or more is 6.4 per cent.

The website also reported an 85 per cent increase in interest homeowner loans in the last quarter of 2007 – compared with the previous three months.

It seems as the housing market looks increasingly unstable and the credit crunch starts to bite – many homeowners are looking at staying where they are and turning to their bricks and mortar to raise cash.

Sean Gardner, chief executive of MoneyExpert, said: "Historically secured loans were seen as something of a product of last resort. But these days they are far more attractive to homeowners who are looking for a competitive rate of interest.

"Whilst these low rates can include an arrangement fee of as much as £995, the monthly savings to be made by opting for a homeowner loan can still be substantial."

He went on to explain more people are looking at secured loans, as fears over debts increase and rates fall.

However, taking a secured loan is still as risk – as your home could be lost – and it remains a niche area of lending.

"It's fair to say that the majority of secured loan customers are those who cannot get an unsecured loan. Many are looking to consolidate debts and perhaps they have a poor credit record," Mr Gardner said.

"But that is not to say that a secured loan is inherently bad - home loans can be a lifeline for the applicant, but they should be taken on with a degree of caution."

In particular, borrowers should be aware of lender or broker fees – which may make some deals' low interest rates seem more attractive than they are.
source:http://www.myfinances.co.uk/news/loans/secured-loan/low-secured-loan-rates-start-match-personal-loans-$1209342.htm

Six Facts About Payday Loans

Payday loans can be amazing tools though they seem to be the black sheep of the financial market. Truth is that if used correctly they can solve lack of cash problems in emergency situations. That is why it is important to understand their use and known also what kind of misuse can lead to debt accumulation problems. Here are some facts about payday loans that you should be aware of:

Approved Fast Within 24 Hs

Payday loans are so popular because they can provide a fast solution for an emergency. Within 24 Hs. of the application, you will receive approval or denial. In case you are approved, after this period ends, the amount requested will be deposited into your bank account. Thus, you can apply for a payday loan knowing that if approved you will have the money by the next day.
No Collateral At All

Payday loans are unsecured personal loans and thus, there is no collateral required in order to obtain approval. The fact that these loans lack guarantee is one of the factors that turn them into expensive financial products.

No Long Credit Verifications
Also, payday loans do not require credit checks. This means that you credit report won´t be pulled and thus, your credit score and history won´t be considered as requirements for approval. The lack of credit verifications is another reason that turns these loans into expensive financial products but it is also the reason why the money can be delivered so fast.

Fees Rather Than Interest Rate
Maybe due to the fact that these loans are short term loans or maybe because the lenders like to conceal the fact that the interest rates charged are significantly higher than that of other type of loans, these loans feature a fee rather than an interest rate. But don´t be deceived, $10 every $100 lent for a 30 days period implies an interest rate of more than 100% on an annual basis.

Few Requirements For Approval

These loans have little requirements to qualify for them: you will need in order to get approved some sort of proof of income. If you are not employed or are self employed you will need to show copies of tax presentations that show your monthly income. You will also have to show some proof of residence and you will need to have a bank account where to deposit the amount of the loan and eventually withdraw the payment and fee.

Debt Accumulation Issue

Some payday loans offer the possibility to renew them by paying only the fee. This can generate further debt problems because the fees will rise every time you renew the loan and eventually you will not be able to afford the fees. Also, when people resort to payday loans to repay other payday loans, they generate even more debt. These can become an unmanageable problem and thus you need to avoid this kind of misuse of payday loans. Remember: payday loans are meant for solving emergencies and temporary lack of cash problems and they are not to be used as a regular source of financing.
source:http://www.americanchronicle.com/articles/52253

Despite Competition There Are Loans For Bad Credit

In spite of the fact that growing competition in the loan business has made loan availing a lot easier, still you have to come true on certain terms-conditions and make some extra efforts to get loans for bad credit.

First, you must possess a good financial capacity to repay the loan installments in timely manner. Since these loans take into account your bad credit history of late payments, payment defaults, arrears or CCJs, such payment faults do not matter much. What matters is your current income. To cut the risks, the loan amount will depend on your repayment ability.

Take out your credit report for ensuring that it has recorded your all past payments, as the lenders will go through the report. Know your FICO score as well. Apply for the loan with improved score, so that you win the lenders' confidence.

Bad credit history people can access these loans in secured or unsecured options, depending on their requirements. For greater loans, the secured loans come against your home or any valued asset. You can borrow up to £75000. Interest rate will be lower. The loan ranges up to 25 years. Avoid the larger duration as interest payments go higher in the end.

These loans come in their unsecured personal loans option as well. Both tenants and homeowners are eligible. These loans do not carry a collateral clause. However, the interest rate will be higher; depending on how low is your FICO rating. The loan ranges up to £25000, for duration of few months to 15 years.

You will find number of loans for bad credit on internet. Take their rate quotes and ask the lenders about their additional fee charges. Compare each such offer for a suitable deal. Note that you can make use of these loans for improving your rating. So, pay off the loan installments on time.

source:http://www.huliq.com/51638/despite-competition-there-are-loans-bad-credit

One Loan Solution For Different Needs

There are many short term needs, which we want to fulfill to lead a better life. Sometimes we may need money to finance a latest vehicle, a holiday on an island or education for our children. We may need finance for any urgent requirements. Personal loans are the best way for urgent finances.

Financial institutions are offering easy loan options for your different needs. Generally these loans are known as personal loans. They are usually unsecured in nature. Any financial institution is ready to offer these loans, irrespective of their size. A range of lenders are available with various options of personal loans. Personal loans can be used for any purpose and sometimes a good credit history is a prerequisite to acquire these loans. There is a range of lenders available in the form of small credit societies, big banks and finance companies that provide these loans.

Due to easy availability of lenders a highly competitive rate of interest can be expected. The loan interest rates can be different for different lenders. With the help of an unsecured personal loan you can acquire an amount up to £25,000. Various factors related with your financial status can affect the loan amount. Your credit history, income, employment status, residential information can affect the actual loan amount that you can borrow.

The loan repayment factor is one specification which you must examine before going for any personal loan plan. You can get relaxations in the repayment period also due to highly competitive loan environment. Repayment periods can be different for different lenders. Most of the times the financial institutions offer repayment terms between 1 and 5 years. However, you can find some lenders who are offering up to 7 or even 10 years. The repayment period affects a lot as far as your convenience is concerned. You can make your monthly repayments low by choosing a loan plan with longer repayment period.

Personal loans are loans for all purpose. To get the best loan option you can compare different loan schemes on the Internet. People are using Internet these days for their financial needs because of security, convenience and speediness. You can also opt for an online loan application. You can use the loan for debt consolidation, for business expansion, for buying a luxury car etc. Both secured and unsecured online personal loans are available for this. Secured online personal loan come with somewhat cheap rates of interest and easy repayment terms. It may be because you put your asset as security. Unsecured online personal loan provides you fast loans without any security.

If you are facing problems in getting loans due to bad credit history, then online loans can help you. You can get a quotation of online personal loan despite of your bad credit history. As a bad credit holder you are paying a slightly higher rate of interest for your online personal loan. By regularly paying off your installments you can improve your poor credit history.

For more tips on Loans for you and your family. Amenda Dorothy works as a business writer for Ask4loan. To find cheap personal loan, bad credit loans, compare personal loans visit our blog online personal loan.

source:http://www.bestsyndication.com/?q=20080225_personal_loan_rates.htm

Unsecured Business Loans: Money To Fund Your Business Plan

While starting a new business based on a novel contemporary idea, you can never be sure if it is going to work or not. So for such a situation, it may not be appealing to you to pledge your assets for a loan. Money is now available to you for your business plan without the need of collateral through unsecured business loans.

Unsecured business loan may be borrowed to fulfill any need of the borrower which arises as a business expense. It may be the wages of labor, setting up machinery, renting a site for the business, purchasing raw materials, registration of the business etc.

Unsecured business loans can be borrowed without pledging any collateral for the loan which gives a boost to the budding businessmen to experiment their ideas as they may not have any collateral to pledge. The rate of interest for unsecured business loans is slightly higher due to the collateral-free nature of the loan. This higher rate can be lowered by proper researching for the suitable loan deals.

Before availing unsecured business loans, the borrower should try and find out the reputation of the lender in the market so that he does not make any unsuitable deal which may lead to problems later.

To avail low rates, the borrower should make a proper plan for the business and work out every detail to show to the borrower. This is done so that the borrower is convinced of the viability of the business. If he is convinced, then he may lower the rate of the unsecured business loans.

Bad credit borrowers can also borrow unsecured business loans, but they are charged a higher rate of interest on the loan. To lower the rates, the borrower can conduct a research online so that he can choose a low interest rate deal out of the numerous lenders present online.

Unsecured business loans are a boon for the budding businessmen who want to try their hand at business without pledging any collateral. This way their assets are also safe and they can achieve endlessly.

Source:http://www.bestsyndication.com/?q=20080217_unsecured_business_loans.htm

Easy Loans for the Difficult Times

An unemployed person lives a life of mounting pressures and the home security puts extra burden on him. The period of unemployment closes all doors of opportunity and at this time the home remains only hope to him. The increasing value of residential property in the UK real estate market stands as a shield against financial odds. Hence, it is not advisable to put any risk on it by availing a loan.

Repossession is a deadly risk associated with the loan against home. This clause leads to the seizure of borrower’s home in case of default. Repayment regularity should maintain but at the time of unemployment you never estimate the financial deficits properly. When there is least risk option available, why to opt for a loan plan that inherits with repossession risk.

Cut throat competition in the UK loan market has opened the floodgates of unsecured loans for unemployed people. This loan plan comes with more flexible terms and every person can avail this. The good point about these loans is their flexibility terms of repayment. The borrower repays the loan amount with interest in easy monthly instalments stretching over a period of 10 years. However, the lenders do not charge a penalty if the borrower fails to follow the repayment schedule. The borrower should understand the risk borne by the lender and repay the amount on time. Since these loans do not come with security clause, the repayment terms and conditions do play an important role. The sources of income like family financial support, disability living allowances, and benefits or redundancy pay can be taken as an assurance on the lender’s side. The lender can be obviously satisfied through these options as there is some assurance that he will get back his money.

You may think that an unemployed coupled with a bad credit history may find it difficult to get an unsecured loans. However, lenders take unemployment and bad credit history as two sides of a coin. There is a bright chance of getting a competitive loan quote even if your credit rating is below par.

There are number of lenders offering loans for unemployed. A through check and comparison on the Internet helps you to find you the right lender and right terms and conditions. Online loan application is always advisable to save time and money. Detailed analysis of various features and tips from a financial helps you to have the right loan deal.

Source:http://www.bestsyndication.com/?q=20080212_loans_for_unemployed.htm

More Brits 'getting into saving habit'

More people around the UK have got into a habit of saving money than was the case a year ago, according to recent research.

Figures compiled on behalf of Birmingham Midshires have shown that the overall proportion of Britons that add to some sort of savings vehicle has increased by close to three per cent during the past 12 months.

The amounts that are typically being set aside around the country have remained roughly the same in the past year and the financial services firm has suggested that people should aim to have close to three months salary in their savings pots.

According to Birmingham Midshires, the rise in the number of people getting into a savings habit can be attributed to the UK's increasingly testing economic climate.

"We are delighted to see that people are getting into the savings habit and are maintaining the amount they set aside each month," said Jason Robinson, director of savings operations at Birmingham Midshires.

Meanwhile, a report from Halifax recently highlighted that January is a particularly popular month for British consumers to take on unsecured personal debt consolidation loans.

source:http://www.qck.com/more-brits-getting-into-saving-habit-savings-18457886.html

Halifax: Loans popular in January

British consumers are determined to stick to their guns and get their financial situation in order in January, according to Halifax Unsecured Personal Loans.

The month is the most popular in which to opt for an unsecured deal, while the popularity of products taken out for debt consolidation reasons also rockets, Halifax noted.

And it claimed people can transfer their loan repayments into one simple channel and said this is good news in terms of their financial situation.

"For many people, the start of the year is a time to get personal finances in order - transferring debt from more expensive products such as store cards or other loans ... with the number of loans taken out for debt consolidation increasing," Neil Chandler, head of Halifax Unsecured Personal Loans, commented.

He added that a large number of individuals are also now starting to look for and compare loan deals over the internet because of the convenience it affords.

Recently, Rachel Lacy, the editor of Moneywise magazine, argued that personal loans are a great way in which to consolidate debt.

source:http://www.moneynews.co.uk/4210/halifax-loans-popular-in-january/

Personal loans 'can be great' for consolidating debts

Those looking for cheap loan deals may be interested in advice which suggests that unsecured personal loans can help those in debt, from Moneywise personal finance magazine.

Unsecured loans will not place homes at risk, explained Editor Rachel Lacey, who adds that customers considering homeowner loans should not "touch it with a barge pole".

Ms Lacey explains that low interest loans are appealing but customers should beware that some advertised figures of below seven per cent can be deceiving.

"For a lot of these deals, you'll see the headline rates and they're only typical rates for the best applicants. A lot of people will be getting higher rates than that," she stated.

Research by uSwitch suggests that close to one in four UK adults find their debts unmanageable, with 38 per cent having been rejected after a credit card application.

Source:http://www.saveborrowspend.co.uk/articles/news/1110-personal-loans-can-be-great-for-consolidating-debts

Unsecured loans are available in the financial market

Unsecured loans are available in the financial market in the form of unsecured personal loans, unsecured debt consolidation loans, unsecured home improvement loans, unsecured wedding loans, etc. Like all other unsecured loans, the lender imposes greater restrictions here also. The absence of collateral makes the lender wary of his loan amount. Although the lender has legal options open to him in case of non-repayment of the loan amount by any borrower, this process is quite a lengthy one. That is why lenders charge more interest rate and try to minimise their risk in case of unsecured loans.

The risk associated with the unsecured loan deal for the lender is generally higher than that with secured loan. So, unsecured loans are available at comparatively higher.But these loans are a safer and easy option for the borrower. Unsecured loans get processed fast because of the legal formalities concerning to the property evaluation.

Unsecured loans UK are advanced for a term that generally ranges between 1 and 10 years while the loan amount ranges between £1000 and £ 25000.

Unsecured loans UK have got another luminous side that sparks its benefits fro bad credit holders. If you have a bad credit patch in the credit turf, it is no matter here and you are always welcome in the domain of unsecured loans UK. In short, unsecured loans UK are available irrespective of the borrower’s credit status.

Quickest Answer To All Financial Needs

With the advent of so many loan plans in the UK financial market, the borrowers get confused regarding which one would be most suitable for them. Such ambiguities are desirable for a competitive market. Loans are subject to repayment, with interest. It is a matter of your hard earned money; you just cannot let it go away. You require rigorous study and ferocious search before deciding upon which loan you want to opt for. The borrowers usually fall prey to the complex, hidden policies of the lenders whose sole aim is survival in the cut throat competition.

Fast Personal loans combine the features of fast loans with personal loans. They are small, short-term loans open to all types of borrowers. These loans can either be secured or unsecured. These loans help borrowers in meeting their personal monetary requirements. For availing these loans, there are many lenders available online. Online loan application is always advised to get instant and quick result and online method of availing is in vogue also.

If you are looking for lower prices, a viable option can be to opt for secured cheap personal loans. For these loans, you will have to put your residential property as security. This security lessens the risk factor for the lender and he, in turn, facilitates you with lower rates of interest, longer repayment term and many other additional benefits. The borrowers are advised to borrow up to a limit, which they require and can repay easily. They should repay the loan amount on time and strictly adhere to the repayment schedule.

People having bad credit history may procure loans faster, if they fulfil the desired loan criteria of the lenders in the UK financial market. Bad credit history could rise from anything like missed repayments, County Court Judgements, default or bankruptcy. After repayment of loans, you get a chance to improve your credit history. The borrowers can also opt for fast personal loans of unsecured category.

With this loan type, you do not have to put security for seeking the loan amount. If you are a tenant, student or self-employed professional, you can very easily go for such personal loans. Both these loans are boon for people who have urgent financial needs. From paying medical bills to renovating dream homes, all your desires meet a fulfilling end with these loans. These loans can be used for all your requirements, enabling you to spread the cost over a convenient period of time.

Sourec:http://www.bestsyndication.com/?q=011608_best_personal_loan.htm

Good news for borrowers as personal loan rates fall

Esther James, personal finance analyst at Moneyfacts.co.uk, comments: “For most of 2007 we reported rising loan rates, with the demise of sub six percent personal loans and the market finally settling at the end of the year with the best deals around 6.5% to 7%. But as 2008 starts, there is good news for borrowers as rates begin to fall.

“Only 14 days into January, and five lenders have reduced rates by as much as 3%. With NatWest and Royal Bank of Scotland implementing a cut for existing customer loans just before the New Year.

“It’s the season of debt consolidation, so perhaps these lenders are looking to maximise their opportunities within this limited window. The drop could be a seasonal fluctuation or a limited marketing drive rather than the start of a more widespread trend, but only time will tell.

“Loan rates don’t typically move in line with base rate, and are certainly not proportional to the 0.25% bank base rate change.

“Shopping around for a loan is a must when refinancing or using the funds to buy something. Get it wrong and you could be throwing your money away on unnecessary interest, or face having to repay your loan over a longer period.

“Moneyfacts.co.uk top 5 tips when looking for a personal loan:

1. Check out the interest rate – but beware that in 89% of cases the rates quoted are typical. So if accepted, you might be offered a higher or lower rate than that advertised, depending on your credit status.

2. Avoid the lender’s own payment protection insurance; buying from an independent provider such as paymentcare.co.uk will save you a packet.

3. Check how the rates are tiered. Sometimes borrowing a little more could save you interest if the rate is substantially lower.

4. Be aware that payment holidays will increase the total interest bill you repay, so only take them if you really need to.

5. Choose a term that suits the item you are financing and which is truly affordable. For example there is nothing worse than repaying a loan for a car, which was sent to the scrap yard two years before. And with repayments fixed, if your circumstances change and you need to change your monthly repayment, this may mean completing a new loan agreement at the rate offered at that time and you will often incur a redemption charge.”

Source:http://www.easier.com/view/Finance/Loans/Personal_Loans/article-156631.html

Personal Loan Comparisons: What Should I Compare?

Everywhere you turn for advice on secured and unsecured loans, there is a common suggestion that all consultant will provide:

Compare different loan offers and quotes before selecting a particular lender to apply to. However, though it is advisable to compare loan offers not everybody knows how to compare them and what kind of information is needed to perform a thorough assessment.

Loan Characteristics and Interest Type

The first thing you need to compare is the type of loan and the characteristics. It makes no sense to compare a balloon loan with an unsecured personal loan or a payday loan as if they where the same. Each loan has distinctive features and you should take them into account in order to compare them efficiently.

For instance, payday loans do not usually show an interest rate, instead they advertise as a fee every hundred or thousand dollars. However, that fee can be explained as a rate and only then compared to other loan types.


One of the main issues with these differences is the interest type. Since there are both fixed rate personal loans and variable rate personal loans comparing them can really be difficult because you cannot know what the future interest rate will be. What most consultants do is to consider the rate to be one or two points higher so as to be prepared for variations and in the event that the loan rate remains the same or drops it would imply unexpected savings which is less dramatic than unexpected expenses that you have not budgeted.

The King of Comparison: The APR

The annual percentage rate is probably the most complete tool for comparing different loans. These figures must be used by all lenders due to legal regulations to help protect customers from deceiving advertisement. The APR does not only include the interest rate it also includes additional fees and charges that can help you get a wider and more comprehensive idea of what all the costs of your loan will be.

The interest rate is needed for comparison but what happens when you acquire discount points? The interest rate will drop if you purchase discount points but some lenders charge higher closing costs if you buy discount points. Therefore, the interest rate is not a good enough tool for comparing loans. Instead the annual percentage rate will provide you with a more accurate idea of what all the costs will be.

Loan Closing: Compare Final Charges

A good faith estimate will provide you with almost all you need to know about the costs of closing the deal with a lender. It includes administrative fees, appraisal, title search, insertion of the transaction details on public records, etc. All these fees and costs can really add up to your overall loan monthly payments or imply a higher down payment if you want to get rid of them right away. Therefore it is advisable to include them on your comparison. Also, there can be huge differences between one lender and another one in terms of origination fees and third party fees so the lack of pondering of these final charges can be dangerous if you really want to find a good deal.

Source:http://www.americanchronicle.com/articles/viewArticle.asp?articleID=48815

Unsecured Loans for all

Businessmen and households have different financial requirements. A businessman may require a large amount of money for any new business project whereas a household consumer may get satisfied with a loan of few hundred pounds only. The important thing is that financial requirements arise with all type of people whether they are businessmen, consumers, self-employed professionals, tenants or students. The financial requirements may differ according to the needs of individual borrower.

Loans are available in different forms – secured, unsecured, commercial, personal, etc. Some loans are specifically designed to serve the needs of a particular category of borrowers like payday loans. These loans are only for salaried class people and are of very short duration, generally not exceeding one month. It is important that you apply for a suitable type of loan, keeping in view your financial requirements.

Unsecured loans can reach a vast section of society because these loans are available without any requirement of security. You may be a tenant or a homeowner; it hardly matters in this type of loans. In the festival time like Christmas and New Year Eve, people heavily depend on their credit cards and personal loans to fund their shopping expenses.

A consumer gets several benefits when he takes an unsecured loan. The biggest benefit is that the loan amount is quickly disbursed by the lender because there are very few formalities involved. There is no valuation of property; there is very less documentation and all this reduces the time taken in loan processing. These loans are ideal when you need quick finance for short term duration. In the absence of security, lenders usually allow these loans for a term not extending 8-10 years. However, if you need long term loans then a property has to be pledged to the lenders.

Personal loan is just another name for unsecured borrowing. You can use personal loans for any purpose – even for your business endeavours. Many lenders provide these loans across the UK. Prominent lenders in the UK include high street banks, building societies and other financial institutions. High street banks have their offices all across the UK and you can count on them for any type of borrowing. The online availability of loans has added another dimension to the loan market in the UK. Now, the lenders can be easily approached online and you do not have to waste your precious time in meeting them in their offices.

source:http://www.bestsyndication.com/?q=010708_business_loan_rate.htm

Be Tension Free With Loans

Loans are always the double edged weapons. In one hand they fulfill the monetary requirements of the borrower. On the other hand in case of delay in repayment they create several financial tough situations.

UK loan market offers you scores of loan plans. However you should go through the nature of these loans before applying for them. You should query about the risk factor associated with the loans and opt for that loan plan which has least risk factors.

Unsecured personal loans are risk-free in nature. You do not need to place any collateral in order to avail these loans. With these loans you can avail an amount ranging from £ 1,000 and £25, 000. Loan amount varies according to your credit status, repayment ability, monthly income etc. they are short term loans and should be repaid within 10 years from the date of approval. People suffering from bad credit due to arrears, defaults, IVA, CCJ, bankruptcy etc can also apply for these loans. They carry slightly high interest rate but that is not very high because of the competition prevailing in the market. To avail personal loans at lower rate of interest, you have to fulfill certain requirements like, you must have a full time job, regular source of income, repayment ability etc.

As unsecured personal loans are short termed in nature, they can be easily repaid. These loan plans very helpful for tenants who don’t have any property to apply for secured loans. Also the homeowners who don’t want to risk their properties can apply for these loans. You can use the loan amount to meet any of your personal expenses like buying a car, going for holiday, wedding, paying previous debts and so on.

Always apply for a loan keeping in mind your repayment ability and apply for an amount that you can repay without any hassle. In case of non-payment of loan installments lenders may take legal action against you. There are many financial institutions, banks and lending firms that offer you unsecured personal loans. Compare the features of loans at different lenders before applying for any loan. You can use Internet to search for lenders offer personal loans without any residential property at competitive interest rate. You can also apply for these loans online. For this you just need to fill up an online application form and after it the lenders will get back to you with their offers.

Source:http://www.bestsyndication.com/?q=010208_unsecured_personal_loans.htm

That easy debt might be a loan of contention

Reckless Christmas spending will be responsible for a third of all bankruptcies in the first quarter of this year, according to estimates last week by accountants Grant Thornton.

But while 28,000 people will declare themselves bankrupt or take out an individual voluntary arrangement (IVA) during the next three months, others will listen to the January refrain of banks, building societies and other lenders to 'consolidate now!' This involves switching all outstanding debts with different lenders to one new - cheaper - unsecured personal loan.

The aim of debt consolidation is to achieve a single lower monthly repayment by lengthening the time over which the debt is repaid or, where existing debts carry a high rate of interest, by simply being at a competitive enough rate to cut repayments without stretching the loan period.

It's a compelling sales pitch at this time of year and is proving popular with borrowers: some three million now have such a consolidation loan, says price comparison site uSwitch.

Research from the website shows that the average UK household debt of £4,280 (made up of £1,204 on a credit card with an interest rate of 16.1 per cent, £2,683 on a personal loan at 14.4 per cent, and £393 on an overdraft at 12 per cent) can be cut over three years by £605 by consolidating all these debts to a 'best buy' unsecured loan at 6.8 per cent. Loans at this rate are available from Barclaycard, Tesco and Halifax.

However, while consolidation may help tens of thousands of families, it is not an 'easy way out'. 'Our worry is that [with consolidation] people are trying to borrow their way out of debt - but it's not a one-size-fits-all solution,' warns Rosalind Pearson at Citizens Advice.

While it's all very well chopping the size of your monthly repayments, she says, it is only a short-term fix unless you address your longer-term indebtedness. 'People need to work out if consolidation is right for them, or whether they're really just shifting the sums that they owe around in a debt spiral,' she says. In 2007, the CAB figures recorded 1.7 million new enquiries about debt from the public, up by nearly a fifth on the year before.

But as well as fears that shoppers are chasing cheaper monthly repayments without sorting out their debt, there is concern about the cost of consolidation. Uswitch's calculations of a £605 saving don't take into account the cost of a fee for repaying the older personal loan early in order to switch the debt to the consolidation loan. Rules monitored by the Office of Fair Trading allow a lender to charge a month's interest for paying off an unsecured loan early; the earlier into repayment, the heftier the penalty since, in the first months, interest charges tend to make up more of the monthly repayment.

So, depending on the rate of interest, size of loan and how far into repayment the borrower is, the majority of the consolidation saving could be wiped out. Not all banks and building societies levy exit fees, though; those that don't include Yorkshire building society, Egg, Goldfish and Northern Rock.

And, although consolidation loans give lower monthly repayments, borrowers often end up paying more overall because the debt is usually stretched over a longer period.

It's also worth noting that eligibility for a competitive consolidation loan requires a decent credit record. And both the CAB and the Consumer Credit Counselling Service (CCCS) tell borrowers to be especially aware of another type of consolidation loan: those that are secured against property. 'The loan interest rates are usually higher [than regular unsecured loans] and there's a much greater risk of losing your house if you can't keep up repayments,' says CCCS spokesman James Ketchell.
source:http://www.guardian.co.uk/money/2008/jan/06/loans.personalfinancenews

Remain Tension Free With Easy Loans

As no one can go back and make a brand new start, anyone can start from now and make a brand new ending. It is the simplest fact that makes life smooth. Past is always past and you need not mourn over it. Rather you should concentrate on the living present and try hard to make things better. All the problems that are byproduct of the past can be mended perfect as no problem in the world is devoid of solution. It is up to you to understand the very nature of problem and act according to your experience and expert advice.

Financial problems and human life go hands in hands. Hence, there is noting new in it and if you are facing a financial problem you need not worry a lot. People, in the UK at times of financial deficits behave confusingly. It is fact that the loan market is more generous towards the homeowners. However, people do not owning a home are not deprived of the loan facility.

There are loan plans without the residential property security tag. These loans are called the unsecured loans. Unsecured means the lender offers loans without any security and takes a risk. However, the borrower is completely secured. The interest rate charged by these loan plans is little bit higher. It is due to the fact that, the lender wants to minimize his risk by increasing the interest rate. However, when compared to credit card and overdraft, these loans charge a lower rate.

These loans are also called the cheap unsecured loans due to the following inherited features. These loans calculate the payable interest annually. Hence, unlike credit cards, the borrower pays a lower interest by opting for these loans. The repayment period of these loans is quite higher compared to the grace period of credit cards. Besides it, these loans do not have any hidden cost. Hence, the borrower repays the amount with interest what he borrowed, nothing more than it.

Unsecured loans can be availed for all most all legally correct purpose. The prime criterion is you must be the UK citizen and your age must be above 18 years. You can spend your loan amount on holidaying, debt consolidation, car purchase, home renovation or any purpose what you consider as urgent. The maximum loan amount in case of these loan plans is 25,000pounds. E-lending facility is available at the lenders dealing with cheap unsecured loans.

Source:http://www.bestsyndication.com/?q=010408_unsecured_loan_rates.htm