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How To Get A Loan – A Brief Guide
In an ideal world, people who want to get a loan would be able to really easily – they would apply for the money, the lender would give it to them, and then they would pay it back on time without any hassles or problems. Of course, while some people may find the process so easy, the truth is that getting a loan takes a bit more effort than that… especially if you want to find yourself the best deal for your circumstances.
Basically, how much work you have to put in to get a loan depends mainly on what you are looking for and your own personal situation. If you are lucky enough to have a completely (or mostly) clean credit history, then it really can be as simple as walking into your bank or building society and asking for a loan; It’s generally easier to go with whoever you’re banking with since they already have a good idea of how well you can control your finances, even if it’s not crucial. Since banks are easily the largest lenders, it is also likely that they will be able to offer some of the best interest rates available, as well as the amounts of money that you may be looking for. That said, however, the recent recession has seen banks really tighten their purse strings in terms of who they lend to – unless you’re pretty sure of your credit rating, which you can check by requesting a copy of your credit report from a person such as Experian or Equifax, it may be wise to avoid applying to a bank for a loan.
Interestingly, a rather unexpected loan market that has emerged in the last decade is that of the major supermarkets – such as Tesco, Sainsburys and Asda all offer their own loan products and, even more remarkably, they are all incredibly competitive and can sometimes even beat the big banks for trades. This is not to say that a supermarket will close more for you if you have bad credit, as they all use external loan providers to do their lending for them. If you have a solid credit base, however, it’s worth checking supermarket rates to see if they can offer a better deal than the regular banks and building societies.
If none of these options suit you – most likely due to a bad credit rating, County Court Judgment (CCJ) or other financial problems – then searching the internet for great deals may be the next best option. The problem there, of course, is that typing the word ‘loan’ into Google brings up so many companies, all promising to give you the best deal, that it’s almost impossible to know where to start. And even then, an initial promise doesn’t always translate into a solid loan offer that will be the best for your circumstances, so you should be wary of just jumping in first with a company you’ve found on the Internet. However, smaller specialist lenders and payday loan providers are usually the only ones who can offer you loans if you have a bad credit history, so if you buy them online you can find companies from all over the country instead of just them in your local area.
Of course, all of these options seem like a lot of hard work, especially if you have to visit places in person to get the best deal. Fortunately, there is another option that can do all of these things at once: talk to a loan broker. There are many loan brokers around who have a large number of lenders at their fingertips and they can often find a wide range of loan options for you simply by comparing your personal details with the criteria each lender has for their products. In the same way as loan companies, the brokers vary a lot, so it is wise to shop around when trying to find a good one. Ideally, you’ll want to go with a broker who not only has the largest number of lenders on his books, but who also doesn’t charge a fee for his services until you have the loan you want; some require money even before finding you a single loan, so be aware of what your obligations will be to them before asking their advice.
You can get a loan by…
- Visit your bank or building society and speak to a loan advisor
- See what deals the supermarket chains are offering (seriously!)
- Check the internet for cheap loan offers
- Looking for bad credit loan options if you have a bad credit rating
- Approach a Payday Loan company if you don’t mind paying a higher interest rate
- Talk to a reliable loan broker with no upfront fees
Copyright: Individual Finance, 2010
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