How Loans Work

Getting a secured loan with us is as simple as following this step-by-step guide:

  1. Fill out our simple form
    Take a minute to fill out our simple Secured Loans Application Form. We will take this information and compare the market by searching a database of the best UK lenders to find you the best deal.
  2. Answer the Phone
    You will receive a phone call from one of our friendly customer service representatives who will be able to guide you through the process and answer any questions.
  3. Decision Time
    At this point we should be able to tell you if you meet the requirements of the loan. However, because this is a secured loan and you are providing your house as security, it may be necessary for the loan provider to check the value of your home.
  4. Crossing the Ts
    When your secured loan has been accepted you will be immediately sent some paperwork to fill out. At this time, you may also need to provide some proof of identity and a pay slip.
  5. The Final Stage
    Once all the paperwork and documentation is sent back, your lender will process your loan.
  6. Get your Money!
    Your money arrives and you can spend it as you wish.

The entire process, from filling out our form to receiving your money, can take as little as a week.

For more information on any of these steps or secured loans in general please contact us at your nearest convenience.


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SecuredLoans.com is a credit broker. In the case of unsecured loans, the REPRESENTATIVE APR is 9.3% variable. 51% of borrowers get this rate or less Representative example: - £10000 over 60 months at an interest rate of 9.3% per annum. Monthly repayment £206.86. Total amount payable £12416.46.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


65% of secured loan borrowers should get rates less than our TYPICAL 13.8% APR including those who have credit problems. APR’s are variable in most cases. In some cases a secured loan processing cost may be charged, which is deducted from the loan on completion and included in the interest rate quoted. This charge covers the cost of property valuation, mortgage references, consent to register a second charge, land registry search’s, credit references, staff costs, marketing and variable costs associated with your loan and is on average 8% of the loan amount. The amount of any fee and the actual rate available will depend on your circumstances and will be discussed with you at an early stage. Extending the loan over a longer period can reduce your monthly payments but may increase the total cost of credit.