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Today's UK Unsecured Loan Providers...          Unsecured Loans UK - Unsecured loans are offered by financial institutions like banks and building societies. Typically, personal loans are not available for business purposes or other non personal uses such as buying a foreign property.  Unsecured personal loans are typically available for a range of different amounts and repayment terms.  The repayment term available may depend on the purpose for which you require the loan, and may be restricted accordingly (e.g Loans for holidays may be restricted to a 12 or 24 month term). They are not secured against property or other assets.   The amount available usually ranges from �500 to �25,000 over a term of 6 months to 10 years.  The amount of money borrowed is subject to interest charges, which will be quoted as a percentage. This rate is known as the Annual Percentage Rate (A.P.R). As a general guide, it is advisable to compare the A.P.Rs of different products as this will help you to determine how competitive they are. The way lenders quote interest rates varies. A fixed interest rate will stay the same throughout the term of your loan, regardless of any changes in the bank base rate. If the rate offered is a variable rate, it may rise or fall in line with any base rate changes during the term. When lenders quote their APRs they will state whether these are "typical" or whether they are set at one rate for all successful applicants, regardless of the risk they present. The typical rate is a rate that is offered to over 50% of successful applicants, and the exact rate offered to you will depend on your personal circumstances, the amount and term of the loan along with the credit assessment procedures. Personal loans are repayable monthly. The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the outset. It is important to remember that some lenders will charge you a penalty for repaying your loan early - this can be up to 2 month's interest. Lenders may offer "payment breaks" or "repayment holidays" as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term. Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender. Lenders will also use credit reference agencies to obtain information about you. They provide a detailed analysis of your financial position. In particular, they provide details of county court judgements, defaults and any existing credit agreements, along with information relating to the electoral roll and your past credit history. If you are refused a personal loan or wish to make enquiries concerning your own credit file, you can apply to the credit reference agencies for a copy of your credit file.