Personal Loans
Personal Loans are for people who own their own property and can be used for any purpose. You may require a Personal Loan to consolidate your existing loans or credit cards into one lower more manageable monthly repayment, or to purchase that something special, such as a new car, home improvements such as a new kitchen, conservatory, or loft conversion. personal loans can even be used for advancing your career by doing that course you have always wanted to do.
Here at Loans4 we have experienced staff who are specialists in personal loans, and will work with you to give you the best possible personal loans available loan from our panel of lenders, at the best possible APR and repayments, to match your individual credit profile and affordability.
It’s really important to find a Personal Loan to suit your needs.
Use the Loans4 'Do you Qualify' feature to find out if you qualify before you actually apply for a Personal Loan. The 'Do you Qualify ?' feature will help you determine the best Personal Loan and best lender available to you based on you previous credit history, employment status, and equity in your property. By answering 10 quick questions, you will be able to find out straight away which loan product fits your current status, and the interest rates available to you.
Our loans range from £3,000 to £100,000, so can help meet your short term and longer term borrowing needs.
You will be able to find out which Personal Loan is available to you before you have to make an actual application, so no unnecessary credit searches trying to find what is available to you, and no nasty surprises after you apply.
Once you have used the ‘Do you qualify’ Personal Loan selector, it’s quick and easy to apply for Personal Loan, all you need to do is select the loan which matches your needs, then you will be asked some personal questions (as opposed to the general questions on the qualifier form), and the you will be able to apply for your Personal Loan at the click of a button.
For a Personal Loan, click this button to see which loan you qualify for.
Latest Loan / Finance News
Families pay more than they get in tax credits
Over the past decade or so the Labour government has put into place a number of measures that were aimed at helping children and families with children in terms of their finances, and one such measure was the introduction of tax credits. However, a recent enquiry has concluded that in many cases tax credits are not providing families with any benefit, because they are paying more in tax than they are receiving by way of tax credits.
It has been estimated from the recent study that two thirds of families that are receiving tax credits are not actually benefiting from these credits. Officials said that these two thirds of households that are on tax credits are paying back as much if not more in taxes each month than they are receiving, making the credits pointless. The report claimed that the average family gets around £450 a month in tax credits and social security, but they pay back around £500 a month in taxes.
Officials involved in the research have concluded that for these families nothing has been gained from the measures that have been taken by the Labour government over the past ten years to ease their financial situations. They described the Labour government of 'unnecessary churning' because of the way that they give money to families with one hand and take it away with the other.
The group that carried out the research has also called for a reform of the tax credits policy, stating that they should only go to the most needy families rather than turning over five million families into claimants, as it does at present. Tax credits were introduced in the late 1990s by Prime Minister Gordon Brown, who was then Chancellor of the Exchequer. The aim of the scheme was to put an end to child poverty by the year 2020.
One industry expert that was involved in the research said that if the government was to scrap these family tax credits and instead simply reduce the tax contributions of families, most households would be no worse off and the majority would not even notice the difference.
more ....
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Watchdog to end commission based financial advice -
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