Types of loan
At Think Money, we understand that looking for the right loan can be confusing. When you call us for a loan, we will discuss your situation in confidence and help you decide on the best types of loan for your needs.
Call Think Money today on 0800 195 2910 and our expert loans advisers will help you find the loan you're looking for.
Personal loans
Think Money could find you a loan, whatever your financial circumstances. Even if you've been turned down by other lenders, we could find a deal that's right for you.
If you're unsure where to find your loan, our expert loans advisers will do the work on your behalf. We offer a range of loans from our extensive panel of high-street lenders.
Read moreSecured loans
If you're a homeowner, you could have access to a lower interest rate and a longer repayment term with a secured loan.
If a loan is secured, it means that the amount you have borrowed is secured against your home. As such, lenders consider secured loans less of a risk, and you may have access to better terms on your loan as a result.
Since lenders are often more willing to offer secured loans, they can be a lifeline for homeowners who have had trouble obtaining an unsecured loan – although it's unlikely you'll have access to the lowest rates unless you have a good credit rating.
Read moreDebt consolidation loans
If you have multiple debts and would like to simplify your finances, a debt consolidation loan could help.
By taking out a new loan to cover all your existing debts, you will benefit from only paying one creditor each month, instead of many.
It's also possible to reduce your monthly outgoings with a debt consolidation loan, by spreading your repayments over a longer period of time than your original debts. However, this will mean you pay more in interest than if you had chosen a shorter repayment period.
That said, you could still reduce the overall amount of interest you pay if you consolidate high-APR debts such as credit cards. Debt consolidation loans typically carry a lower interest rate, meaning you could save money each month.
Read moreCar loans
If you're thinking of buying a car, Think Money can provide the finance. We specialise in providing car loans for people in all kinds of financial situations – so you could find a loan, whatever your credit rating.
Read moreHow do I know which types of loan are best for me?
Before choosing a loan, it's always worth speaking to a loans adviser to discuss your situation. Our expert team of advisers will guide you from start to finish.