On this site, you can get the loan rates available in Guildford. Calculate the payments on a personal loan. 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 personal 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 Guildford and looking for a personal loan? A reputable loan broker may be able to help if you are have had previous financial problems and you are concerned about where to get help with you finances.
If you need to raise money quickly, a qualified financial adviser can help you regain control of your finances. Personal loans with low APR rates are available for tenants, homeowners or people living with family or renting. An unsecured loan can be used for much needed home improvements, to pay for car repairs to get you back on the road or paying off other high rate finance.
If you think a poor credit record, such as missed payments, defaults or CCJs means you cannot get a personal loan, you may be mistaken. You may need money to pay off or consolidate other high rate loans, credit cards or store cards.
There are different types of loans available on this website:
A secured loan is only available to people who own their own home and is secured on your property. This means that the lender has added security if you fail to keep up the repayments. You need to be very sure that you are able to keep up the repayments with a secured loan.
Lenders may be more likely to offer a secured loan to someone with a bad credit history as the lender has the added security of your property. This means a secured loan can be cheaper for people with a poor credit record.
You can normally borrow more 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.
While the maximum period for an unsecured loan is just 7 years, a secured loan can be taken up to 25 years and longer terms can mean lower repayments.
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 © 2018. 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.
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%.
Representative APR Example: 1212% APR variable. £300 borrowed over 30 days would equal total borrowing of £372.Personal Loans
Rates from 5.7% to 278%. Representative 51.1% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44 in 24 monthly instalments of £271.36. Interest charged is £4,512.44, interest rate 112.8% (variable)Short Term Loans
Rates from 278% to 1576%. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% (variable)
This page provides information and advice on loans for people in Guildford