April 30, 2010 | Posted by admin
New figures have revealed that more people are repaying loans than are applying for fresh credit.– as were those with personal loans.
Fresh figures from the British Bankers Association (BBA) show that the amount of applications for new loans is being outstripped by the sums going towards repayment.
The BBA said that the situation was down to low interest rates combined with the tougher lending criteria applied by most banks, which is incentivising the swifter repayment of outstanding debt.
The association’s director of statistics David Dooks said that UK interest rates were enjoying a relatively stable period at low levels. Homeowners in particular were using this period to increase the level and frequency of their repayments
He noted that lenders were themselves urging people with mortgages to use any extra money in their budgets as a result of interest rates to reduce the amount of their debt. Mr Dooks told the BBC that “homeowners are reducing mortgage debt by making, or maintaining, higher repayments using the extra cash generated by lower mortgage rates.”
He also pointed out that this was the case among borrowers who had previously taken out unsecured personal loans.
Mr Dooks added: “People are also holding more cash in their everyday accounts, rather than building up savings accounts and overall unsecured borrowing levels are standing still.”
He conceded that the latest figures also revealed a minor increase in levels of spending on credit cards, but stressed that the amounts involved were smaller than in previous years.
Although personal loans are harder to come by than pre-credit crunch, there are still many good deals to be found online. The use of a good financial directory will help point any potential borrowers in the direction of the best loans available.
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April 22, 2010 | Posted by admin
New research has found that people are increasingly taking out personal loans to finance home improvements or pay for a car than for the purposes of debt consolidation.
A study carried out by Sainsbury’s Finance found that over the past two years, the amount of loans undertaken for the purposes of debt consolidation have dropped significantly.
Researchers found that in 2007, one in every £13 borrowed by Sainsbury’s customers was going towards consolidating debt. However by 2008 this figure had shrunk to a pound in every £19 borrowed, and last year this ratio had increased to just one pound in every £50, with more respondents admitting that the sum borrowed was for a major purchase or a holiday.
Sainsbury’s Finance head of loans Stephen Baillie said: “Debt consolidation has always been one of the most common reasons for people to take out personal loans.”
“But while more and more people are taking out a loan for other reasons, there has been a sharp decline in the proportion of people borrowing money in order to consolidate their debts.”
Despite this, Mr Baillie pointed out that people with a large number of separate debts would still greatly benefit from debt consolidation. Using a reliable financial directory and searching online, a potential borrower can track down the best rates and significantly reduce their monthly payments.
Some analysts believe that the rising cost of personal loans is providing a real incentive for people to reduce their debt levels. Bestinvest senior investment advisor Adrian Lowcock said that he thought the phenomenon was a “medium to longer term thing because borrowers can’t access the debt that they used to be able to get.”
He went on to predict that if the cost of personal loans continued rising then there would be even less need for debt consolidation because general levels of borrowing would be lower.
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October 28, 2009 | Posted by admin
Payday loans – Meet cash requirements till the payday
If you run out of money prior to your next payday, payday loans can help out of the situation. Payday loans are short term loan which have to be paid back by the next payday. When you take the loan, the lender asks you to sign a check for the loan amount along with some fees. The lender will retrieve the money from your account on the payday. If you’re unable to make the payment, the loan keeps accumulating.
Qualifying for a payday loan is not very difficult. But you’ll have to meet few basic criteria in order to get the loan. Given below are few eligibility criteria.
1. You should be minimum 18 years old.
2. You need to be employed with a minimum income .
3. You should be an U.S citizen.
4. You should possess a valid and active bank account.
5. You should be able to provide proper evidence of address.
7 Advantages of payday loans
Given below are the various benefits of payday loans.
1. You can get the loan within 24 hours.
2. You need not be physically present to apply for the loan.
3. You will be relieved from lengthy loan processing.
4. You can borrow money irrespective of your credit score.
5. You can meet urgent cash requirements.
6. You don’t have to keep any collateral to the loan.
7. The loan can be paid easily and there are no installments.
Payday loans offer you fast cash in times of need. But don’t make it a habit and start using it for every small necessity. Be careful of the high interest rates and do not accumulate payments.
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September 30, 2009 | Posted by admin
The best pet insurance online
We love our pets and so we want to protect them from all adversities. And one of the best ways to protect your pet is to opt for a pet insurance. And just imagine how you would feel if you get some cash back on your pet insurance? Great, isn’t it? You would not only have insurance for your lovable poodle, but also a good discount.
Marks and Spencer, a renowned insurance company offers you an opportunity to generate yourself £10 cash back on signing up for a pet insurance policy through surf4finance. Marks and Spencer pet insurance is available for pedigree cats and dogs as well as crossbreed cats and dogs. The pet insurance offered by Marks and Spencer takes care of the following:
- Veterinary fees for illness and injury of the pets
- Prescription food
- Advertising cost and reward expenses in case the pet gets stolen or lost
- Emergency boarding costs
Marks and Spencers offer the best pet insurance
The costs of any long term treatment for your pet are also borne by the policy. You may go in for the Premier cover or for the Standard cover depending on your needs and requirements. The insurance cover is available when your pet is at least 8 weeks old. However, there is no upper age limit. The insurance company also offers 15% discount when you buy the policy online.
For more information regarding pet insurance companies and cash back offers, you can log on to a reputed and renowned financial services directory. A reputed financial directory offers a wide list of companies offering top cash back insurance offers on pet insurance as well as other insurance covers.
The best pet insurance
Dont forget to email your details so we can send you your cashback to info@surf4finance.com
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September 29, 2009 | Posted by admin
Are you one of those who are looking for great deals on car insurance in the UK? If yes, you can log on to a renowned UK financial directory that would help you find a wide range of web sites offering excellent cash back offers when you sign up for their car insurance.
One of the cash back web sites is Yes Car Insurance. It offers £13 Cash Back to its customers. Yes Insurance also specialises in offering great deals for cars that are over 5 years old, or are low mileage cars or second hand cars. It also specialises in women’s car insurance policies.
Kwik Fit Car Insurance is another online insurance company which is considered as one of the most renowned cash back web sites throughout the UK. They provide 20% cash back on their Car Insurance.
Yet another company that offers cash back to its customers is Be Wiser. After witnessing huge success of the Be Wiser cash back offer on car insurance, the cash back web site is now offering £40 for every van insurance application.
For receiving these cash back offers on insurance, all you have to do is fill in small application form available online.
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September 22, 2009 | Posted by admin
When we say finance industry, it refers to a broad range of organisations that deal with the management of financial services. In other words, all services that revolve around money are provided by the finance industry. Who all comprise the finance industry of UK? The UK finance industry like that of other countries is made up of banks, credit card companies, insurance companies, consumer finance companies, stock brokerages, investment funds, and also some government sponsored enterprises.
The strength of the finance industry of a nation decides the growth of the nation as a whole and the success of its industries, the service sector, and that of other segments. Transparency in policies, as well as, in dealing with the clients is truly essential. It is sad to know that between 2006 and 2008, UK’s financial industry was bombarded with more than 9million complaints, as published in a report by the Financial Services Authority (FSA).
This calls for smart action on your part. Before you enter into any financial deal, discover more about UK financial services industry with the help of a renowned financial directory. Such a directory would list out the reliable financial companies and organisations you can trust. Most of the financial directories would help you search for the best service providers in the finance industry with the minimum amount of fuss and hassle.
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September 21, 2009 | Posted by admin
You may need commercial finance to buy property and businesses throughout the UK or to expand your business. Knowing which lender to approach is the key to find the best deal. This is because not every lender is interested in lending money across a wide range of business sectors. There are only a few sectors where they are keen to lend and hence would be ready to offer competitive deals to the borrowers operating in those sectors. If you approach a lender for commercial finance who is not interested in your line of business, he would either refuse you or offer the loan on terms not-so-appropriate or competitive. All your efforts and time would go in vain. What is the way out? Well, given the circumstances, it would be advisable to approach a single entity having access to all the UK’s commercial lenders.
There are indeed many financial companies that offer their services in commercial finance. However, try to go for the one that is a member of The National Association of Commercial Finance Brokers (NACFB). Such companies maintain a huge lender base with which they match their clients’ finance requirements to find the most appropriate terms as quickly as possible. They usually also offer you their specialist knowledge of the lending market and its players. This ensures that you get the best solutions and the most competitive package.
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September 17, 2009 | Posted by admin
Hastings Direct, a division of Hastings Insurance Services Limited,
Are a leading UK company providing insurance policies and related products by phone as well as on the internet. It also provides classic car insurance cover to people who own classic, vintage car. It has tied up with Lancaster Insurance Services Ltd, listed in the financial directory, to offer classic car insurance to its customers. Lancaster Insurance Services Ltd has been providing classic car insurance in the UK since 1984. Classic car insurance is a special policy, which is not meant for masses. This is the reason why there are only a few insurance companies in the UK offering classic car insurance. If you too own a classic car and want to secure it against all unfortunate events, visit the website of Hastings Direct today.
You can avail special discounts on certain schemes available on their classic car insurance. These schemes are available for limited annual mileage use, or when you use your classic car as a second car and for car club members. The insurance policies for your classic car can be customised to suit your requirements. You may opt for a policy that includes a guaranteed agreed valuation. This means, in the event of a total loss claim, you’ll receive full certified value of the vehicle (less the policy excess). You can sign up for the classic car insurance by filling in a small application form available online. You also need to provide them your vehicle’s photographs to enable them to certify your vehicle’s value.
Modified vehicles are also acceptable under this policy subject to underwriting criteria.
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September 17, 2009 | Posted by admin
Small Payday Loans are very popular with people.
With payday loans, people get money when they need. They now do not have to wait till their payday when they are in urgent need of cash. There are, however, some people who think that applying for payday loans would involve a lot of hassles. If you too think so, please give another thought. This is because you can now get fast payday loans. Purple Payday brings to you a hassle-free way to get payday loans quickly unlike many people looking for bad credit loans.
Purple Payday is listed on the FreeIndex.co.uk Personal Financial directory. With Purple Payday, applying for payday loans is a “no fuss” affair. You can borrow up to £1000 for a period of less than 31 days.
With no paperwork and no phone calls involved, the entire process would take just a few hours. You’ll receive confirmation regarding whether your application has been accepted or not via email. If approved, you will be asked to sign your loan agreement electronically via the Internet. The cash gets transferred to your account the same day, as soon as you pass their simple qualification criteria. The decision is instant! Also, if you are that one lucky customer in every 100, you receive £100 as their payday cashback offer. Sounds great, isn’t it?
Due to the small amounts we cannot offer cash back on this deal but I am sure you will agree the products available from purple payday more than make up for that.
Payday loans are the ideal solution when you are going through cash emergency shortly before your payday. This is a common situation which you all might have faced sometime in your life. You might have needed some urgent cash to pay a sudden bill immediately and you could not wait till your payday. It is in these situations when payday loans come to your rescue. They resolve your short term cash flow issues, thus helping you avoid bank or credit card charges.
If you are looking for a reliable company in the UK that can offer payday loans quickly, without much hassle, trust one name – Purple Payday. Listed on the FreeIndex.co.uk Personal Finance directory, Purple Payday offers payday loans up to £1000 for a period of less than 31 days. You can borrow payday loans from Purple Payday in just three simple steps. In the first step, you need to complete their simple online application form. You’ll receive an email confirmation if your application form gets approved. You are required to sign your loan agreement electronically via the Internet. In the third step, you get the money in your bank.
Payday Loans help you when you need money urgently and cannot wait for your next payday. These loans remove all your short term cash related worries. And when you can get these loans in a hassle free manner, why not borrow them when you’re in emergency.
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