Find a reputable loan broker for people in Exeter. We can show you how much an unsecured loan could cost. Just complete your details and we will give you a personalised loan quote. A bad credit loan will help you clean your credit file by paying off your high APR loans, credit cards and store cards.
This illustration is for a standard secured loan. Depending on your circumstances, you may not qualify for a standard loan, but may be offered a short term, high cost (payday) loan. Complete the application and we will get back to you with the most suitable loan we can offer
Live in Exeter and looking for a personal loan? We can put you in touch with a reputable loan broker if you are having financial problems and you are worried about where to get help with you finances.
A qualified loan adviser can help you to take back control of your finances if you want to raise money quickly. A personal loan can be used to raise money for home improvements or repairs, buying a new car or paying off other high interest rate finance. Unsecured loans are available for tenants, homeowners or people living with family or renting.
If you are looking for a personal loan then we can help, even if you have a bad credit history, such as CCJs, default or missed payments. You may want to raise money to pay off debts quickly, or possibly consolidate other loans or credit cards.
There are different types of loans available on this website:
You need to be very sure that you are able to keep up the repayments with a secured loan as the loan is secured on your property. A secured loan is only available to people who own their own home, so the lender has added security if you fail to keep up the repayments.
One advantage of a secured loan is that it can be cheaper for people with a poor credit record, as the lender has the added security of your property. This means that they may be more likely to lend to someone with a bad credit history.
The maximum amount you can borrow on a secured loan is higher than on a personal loan. A secured loan can be up to £75,000 depending on the value of your property and your other financial circumstances. The maximum for personal loans is £35,000.
The term for a secured loan is normally from 5 years to 25 years. This longer than the maximum period for an unsecured loan which is 7 years.
Remember that although extending the term would reduce your monthly payments now, they will increase the overall amount you pay back.
Our fast, secure application gives you access to multiple lenders, finding you the cheapest loan based on your personal circumstances*.For short term loans, payday loans, car loans, unsecured homeowner loans
You need to complete the short application form to find out how much a loan will cost you.
If you are applying for a payday loan or short term loan, please make sure it is right for you before taking it out. You should always think very carefully before committing to any form of credit or borrowing money.
Please remember that Payday loans should only be used for very short term financial needs. Short term loans are not suitable for long term borrowing
If you're trying to manage existing debt or in financial difficulty, consider what your options are before you borrow. For further help on managing your money visit the Money Advice Service.
This is the bottom line. As a company, we only get paid if we successfully get your loan paid out. We will endeavour to find the most suitable loan or plan for your individual circumstances. We will do everything we can to get your loan paid out as quickly as possible.
If you are looking for a new loan to replace other forms of credit, such as credit cards, Hire Purchase or other loans, you are advised that the duration of the new loan will be longer or the total amount payable will be higher than your existing arrangements
We offer loans throughout the UK
Copyright © 2020. 1st Loan is a trading style of Joel Malach. We are authorised and regulated by the Financial Conduct Authority. Firm registration number 720851. Data Protection Licence Number: Z8904952. Registered Office: Warwick House, Lowes Road, Manchester. BL9 6PJ1st Loan may receive a fee/commission for either referral or completion of your loan application.
1st Loan is a responsible broker, and as such, would not be able to help if you are looking for us to pay out a loan to someone who is unemployed or receiving benefits as a primary income, who is in financial difficulties or cannot afford to make full loan repayments.
Please see our Responsible Lending Code of Practice for further information or for contact details of organisations who can help people in financial difficulties
Please read our Treating Customers Fairly Policy which shows our commitment to treating our clients fairly and meeting their expectations of high quality service.
1st Loan is not a lender and does not make credit decisions. 1st Loan introduce loan enquiries to a broker that matches customer applications with lenders in their network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to £5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.
Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC. Minimum Term 12 months. Maximum Term 300 months. Maximum APR charged 49.9%.
Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 1 month. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).
*Subject to application being approved by the lender. Not all lenders are able to provide up to £5000
This page provides information and advice on loans for people in Exeter