Loan Deals

Loan Deals & Offers

33 deals 490 comments
Free heaters on loan
562°
Found 18th Dec 2017Found 18th Dec 2017
If you need to borrow an electric heater 24/7 incase your heating breaks down this will save you buying one.
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brilliant idea, hats off to cleveland fire brigade.
good work. heat added
Original Poster
andrewburns28 m ago

Do you pick them up? Thanks


No just phone the number we drop em off
Do you pick them up? Thanks
Who needs the fire service? According to the Gospel Of St Boris, we have far too many lifesavers - more now than in The Blitz!!! - and the cash can be better spent on Commons Chardonnay
..People do read the word "Firemen" and - sexism aside- forget the prevention, rescue, training and even peace of mind these people bring to the communities they serve, and this sort of initiative is priceless when it comes to the comfort it brings to the needy.
Heat!
Cheapest personal loan(£7,500-£25,000) 2.8%APR- Example- £10,000 cost £178.82 monthly for 5 years (The total cost after 5 years is £10,728) + £45 Quidco @ Zopa
337°Expired
Found 28th Oct 2017Found 28th Oct 2017
This is not a deal. See if it is useful for someone.Christmas and Brexit are coming, interest hike is expected..No arrangement fee and instant approval. Zopa is the most rated peer… Read more
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kkthomask12 m ago

did you mean 12%APR?!!


yes lol they done a soft credit check and I guess me being 10k in debt on credit cards isn't very attractive but i would have thought being a property owner would be a + any way i'm trying natwest now ^_^ my personal bank.
Original Poster
3ak3 m ago

just went through stages got offered 12%..



did you mean 12%APR?!!
just went through stages got offered 12%..
kkthomask14 m ago

Nop. They might ask how long you have been with the new employer. I am not …Nop. They might ask how long you have been with the new employer. I am not sure the implication of a new job on credit assessment though.

OK thank you because I tried with NatWest and they’ve just sent me a thing through the post stating that I must give them 3 months payslip
Original Poster
3ak9 m ago

This might be a really dumb question but do I need payslips for this? Just …This might be a really dumb question but do I need payslips for this? Just started a new job and in a bit of debt...



Nop. They might ask how long you have been with the new employer. I am not sure the implication of a new job on credit assessment though.
Free Experian Credit Check For Life
-108°Expired
Found 3rd May 2017Found 3rd May 2017
Excellent if Preparing a Mortgage, Loan, Credit Card Etc Application Free for Life No Catches it seems. Good to identify Fraud or incorrect markings against you
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I remember when they were robbing people by charging them to see their score. unfortunately some were dumb enough to pay for it.
Much better than Noodle! Thanks OP
Forgottenshopper

No idea then, could have been another company, though don't know how they … No idea then, could have been another company, though don't know how they got my email. but it does happen..



Martin Lewis money saving expert does not have anything to with anything to do with spam. He also haves a programme on ITV. well worth going to his website and emailing him to see what he has to say. I never had spam
adrian1966f

I never had any in over a year


No idea then, could have been another company, though don't know how they got my email. but it does happen..
Forgottenshopper

Weirdly enough that's what I started to receive previously from them … Weirdly enough that's what I started to receive previously from them after signing up, for a free month..Could be that you don't get any now..



I never had any in over a year
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2.8% APR Loans @ TSB - also available to 'non-customers'
356°Expired
Found 27th Mar 2017Found 27th Mar 2017
Lowest loan rate available to rival Sainsbury's - though u need a Nectar card to get their rate and not face to face service if that's what u like. Available on loans of £7500 - £… Read more
for me the quotation search says 19.9%apr...hmm....i have a 855 score on experian which is 'fair'
Amazing - get 'free' advice on some of the most important financial advice you'll ever need from a bunch of anonymous people on HUKD! oO
ChooseUsername

The only drawback I can see here is I believe They only need to give this … The only drawback I can see here is I believe They only need to give this rate to something like 51% of applicants. I personally have a credit rating of 998 and have been refused these rock bottom deals only to be offered something slightly higher. Looking into it these lenders dot really want a person to take this loan and basically make the bank pittance. They want slightly lower credit scorers so they can potentially lure them in with other products and loans further down the line, especially if they start defaulting. bear in mind my info here is nothing concrete, just my speculation....



I agree with this. I bank with TSB and applied for this and they offered me a rate of 9.8%. I also have a very high credit rating.
themadgoose

Shortcut to becoming rich for free.1) Get this loan. Go for the five year … Shortcut to becoming rich for free.1) Get this loan. Go for the five year repayment scheme for maximum benefit.2) Buy dollars. ASAP. Faster than ASAP.3) Wait for Brexit to unfold, with all its tragedy, comedy and drama.4) Sell dollars back into GBP after 5 years.This is a tried and trusted method, currently being used by all those 'patriots' who encouraged you to vote for Brexit.


Utter bull! Now trump failed in his 'obamacare' who says the dollar is going up or the pound is going down! Why do you think so called experts always change or update their forecasts! Basically they don't have a clue! Anyone who claims to know is just pie in the sky claptrap
Original Poster
ministrymason

Do you have to apply for the loan with TSB then send the details to … Do you have to apply for the loan with TSB then send the details to Nationwide and apply again? Would applying for two loans not hurt your credit score



Good point
LOWEST EVER Loan Rate of 2.8% APR @ Sainsbury's
362°Expired
Found 28th Dec 2016Found 28th Dec 2016
Cost shown is interest paid on a £10k loan over 1 year Sainsbury's are offering 2.8% on loans of between £7500 and £20000. Max 3 year term and must have a Nectar Card (though the… Read more
samspud

It is ;)Read the description properly



​was only looking for 7500 thats why X)
Original Poster
cliosport65

also this is 2.9% not 2.8%



It is

Read the description properly
also this is 2.9% not 2.8%
Dellsy

Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't … Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!



​Did you not get an instant decision?
Original Poster
Dellsy

Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't … Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!



Lol - try TSB?
Best Value 32months Balance transfer for only 0.66% fee @ Virgin Money
427°Expired
Found 11th Dec 2016Found 11th Dec 2016
Not sure if posted before but currently best value balance transfer deal @ only 0.66% for 32 months Virgin Money - dadofdaisy
If I already have a money transfer card which I've taken out a year ago, can I apply for another card with another deal?
Virgin seems to have many different cards with deals.
A2DY_

Doesn't seem best value unless I'm missing … Doesn't seem best value unless I'm missing something?https://www.barclaycard.co.uk/personal/credit-cards/platinum-third-balance-transfer



Does this one allow you to transfer into your personal account like Virgin?
Great. Let's start another financial crash. For those who have no idea on why they offer interest free periods check this basic explanation of Securitisation: http://mx.nthu.edu.tw/~chclin/Class/Securitization.htm

From CC to overdrafts to student loans to mortgages to personal loans. A real house of cards.
mayzi

Yes if you pay it back in time ..Virgin are better for money transfers



​Thank you
homebird1

Sorry could someone help me? if I want to take a loan of say £5000, is … Sorry could someone help me? if I want to take a loan of say £5000, is it cheaper to transfer it from credit card to bank with these cards? if it is which card is the best? virgin or barclays



Yes if you pay it back in time ..
Virgin are better for money transfers
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Cheapest "loan" of cash you'll ever get with a Virgin money bank transfer credit card (1.69% for 32m) Thats £16.90 total cost to borrow £1k (or £169 for £10k etc etc)
383°Expired
Found 9th Nov 2016Found 9th Nov 2016
Already posted here (but expired) https://www.hotukdeals.com/deals/cheapest-loan-cash-ll-ever-get-with-a-virgin-money-bank-transfer-credit-card-1-69-2475701 and all credit goes to… Read more
Get dealGet deal
Now went up to-1.99% fee
Hi, to those who are waiting on confirmation. They currently have a huge back log. I applied 21st November and only just got a response and acceptance email.
A2DY_

Better off getting a standard balance transfer card (e.g … Better off getting a standard balance transfer card (e.g https://www.moneysupermarket.com/credit-cards/details/?productCode=CC_BCARD_PLAT_WITH_BT&index=1&count=70&gid=CC_BALTRANSFERV2&page=1&transferAmount=3200&monthlyPayment=100 ) and then transferring whatever balance you want to another card you don't owe anything on. Then speak to that card company and have them transfer your credit balance to your current account (as you can't be in credit on a credit card)Always works and get much better fees. Above link is 0.63% rather than the 1.69% of this deal. An extra 5 mins work but worth it if you are after the best possible deal.



They wouldn't do it for me I transferred the money and they would only put it back onto the original credit card which is the Barclay Card . Don't try this way "
lindajane102361

I dnt understand bank money can somebody explanation plz it's me I av to … I dnt understand bank money can somebody explanation plz it's me I av to pay only £16 for 32 months if I borrow 1000 right?



Hi,

You pay back £1016 at the end of 32 months. Not just £16.
How it's explained above is that you transfer £1000 to your current account at a transfer fee of 1.6%. Then for 32 months you have the balance of £1016 at 0% interest. As long as you pay up your credit card before the end of 32 months. Then you won't be charged any extra. Making it a grand total of borrowing £1000 for £1016 over 32 months.
majortom

I think this is why we have so many people in trouble with debt - they … I think this is why we have so many people in trouble with debt - they try to forget about the capital, just as you have .... the capital repayment is part of the cost of borrowing and should always be thought of as such



Sorry but you're incorrect. The capital isn't a cost.....

1) ''When companies borrow funds from outside lenders, the interest paid on these funds is called the cost of debt''

2) ''The main thing to consider before borrowing money is how much it will cost for you to pay it back. The true cost is the amount you are charged on top of the capital amount of the loan; such as the interest rate and additional fees. This will differ depending on your type of credit: Credit card, bank, a short term loan, family or friends''
Halifax Car Loan - 12 Free Car washes, Free MOT test & 20% off a Service.
-29°Expired
Found 15th Feb 2015Found 15th Feb 2015
Just saw this offer from Halifax and thought it might come in handy if you are looking for a loan to buy yourself a car before 31/03/2015. You get: "12 free car washes, a free MOT… Read more
lol for 12 washes
voting cold, loans can be easily had for around 4% for 7k, i dont think an extra .9 or .8 apr is worth some free car washes
M&S Personal Loan 3.6% APR
52°Expired
Found 9th Jan 2015Found 9th Jan 2015
M&S Personal Loans M&S pleased to offer a great rate of 3.6% APR representative on loans between £7,500 and £15,000 over 12 to 60 months. Limited time only – offer ends 16 … Read more
Take out a loan with M&s then pay off your loan with you bank simples
currently I have a personal loan with my bank, is that possible to switch to M&S bank?
What does this means? 'Don’t worry if you don’t have any of these products we also offer competitive rates for non cardholders'

Is 3.6% for non M&S customers as well? or competitive basically means more than 3.6%?
MazingerZ

I need a £44,000 loan, maximum of 4.5% with a 48 month period.



If you have a spouse, the cheapest way is to get two personal loans.

If it's to move house, bridging finance isn't cheap but might be your only option.

Otherwise, an extended draw down on your mortgage that they can treat like an additional loan at standard rate is another option.
very good rate just took 22 a month of my current personal loan by switching
Lowest rate ever for a loan Sainsbury loan at only 3.9 % for between £7500 and £15000
424°Expired
Found 30th May 2014Found 30th May 2014
Lowest rate for a loan. This is for 3 years or less or 4.0 % for above this. Great if you need money for new car or home improvements. If your rate does change. They will also pric… Read more
callum9999

Because you're getting into less debt than you would elsewhere...



A less worse non-deal than other non-deals does not a deal make.
Blueandy99

51% get the rate, it's the law Guv



lol yeah im going to win the lottery tonight, There are plenty of other laws that are not upheld what makes you think this is any different.
Original Poster
xbecky07x

When u apply for it do u need to provide proof in to what u are using it … When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x

no
When u apply for it do u need to provide proof in to what u are using it for eg recipiet for car ect x
upset brown pant

err, loan repayment on 10k over 5 years would be about 200 and the 90k … err, loan repayment on 10k over 5 years would be about 200 and the 90k mortgage about 500, so unless you are planning on ripping your partner off you you'll be putting money in until the rent you can command rises.plus for 100k it will be in some grim northern hole. I doubt you'd get a 7% yield tbh.



Poor kids upset and browned his pants.
Derbyshire launches cheapest loan rate in six years 5.6% APR Typical Representative
-73°Expired
Found 11th Oct 2012Found 11th Oct 2012
I'm gutted as I've just done a loan at the higher rate! I'm going to try & get it lowered! :( however it may help someone else. Derbyshire Building Society has launched the l… Read more
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Wonga is a short term loan with high APR for those people who only want to get a 6 month loan. Nationwide is a long term product min 1 year.
Is this a better rate than Wonga?
Original Poster
Schizophonic

I use to work for nationwide (Dearbyshire) processing loans, some insight … I use to work for nationwide (Dearbyshire) processing loans, some insight or prerequisites to check on yourself before applying. Nationwide can offer you a 'softquote' which does not touch your Creditcheck history, this soft quote is a representative of what you 'could' get but is not the final outcome. If you have been shopping around for other quotes online or in store, this can harm your credit rating overall.As above, this is only a representative quote and not everyone will get this APR. If you not sure about your rating here are a few points to ask yourself before applying. If you can answer to all these questions then you stand a better chance 5.6%. 1. All your monthly payments are upto date. No missed or late payments. (mobile/utilities/mortgage/finance)2. if you have a joined contract i.e. Wife / spouse / partner on a mortgage for example. If your joint partner has a good credit history then this would not affect you. If your partner has made missed payments then this could have a detrimental effect on you as well.3. Ensure you have a working income of £750 or more and is visible in your bank account. This applies if you are sole or join loan account. Both parties must ensure you take an total income of £750 or more. 4. If you have savings of £XXXXXXX and want to argue while you do not get that APR or been a long term customer, forget it. House rules are house rules in policy how to determine what APR you get. 5. Be sure you have not received banking fees such as overdraft or late credit card payments 6. Credit checks do go back 5-7 years so ensure you again do not have any bad historyIf you do not get that rate, then the system will often put you in a APR barrier of 9.9% / 12.9% or 15.9% (if I'm not mistaken)If you are safe that you 'think' you have a good credit rating then you can apply for a loan in hoping for that magical



Thank you for this information, it's very helpful to know ... :-)
I use to work for nationwide (Dearbyshire) processing loans, some insight or prerequisites to check on yourself before applying.

Nationwide can offer you a 'softquote' which does not touch your Creditcheck history, this soft quote is a representative of what you 'could' get but is not the final outcome. If you have been shopping around for other quotes online or in store, this can harm your credit rating overall.

As above, this is only a representative quote and not everyone will get this APR. If you not sure about your rating here are a few points to ask yourself before applying. If you can answer to all these questions then you stand a better chance 5.6%.

1. All your monthly payments are upto date. No missed or late payments. (mobile/utilities/mortgage/finance)
2. if you have a joined contract i.e. Wife / spouse / partner on a mortgage for example. If your joint partner has a good credit history then this would not affect you. If your partner has made missed payments then this could have a detrimental effect on you as well.
3. Ensure you have a working income of £750 or more and is visible in your bank account. This applies if you are sole or join loan account. Both parties must ensure you take an total income of £750 or more.
4. If you have savings of £XXXXXXX and want to argue while you do not get that APR or been a long term customer, forget it. House rules are house rules in policy how to determine what APR you get.
5. Be sure you have not received banking fees such as overdraft or late credit card payments
6. Credit checks do go back 5-7 years so ensure you again do not have any bad history

If you do not get that rate, then the system will often put you in a APR barrier of 9.9% / 12.9% or 15.9% (if I'm not mistaken)

If you are safe that you 'think' you have a good credit rating then you can apply for a loan in hoping for that magical
Tesco Bank offer 5.7% (£7500 - £15000) if you don't meet Derbyshire Building Society criteria.
No arrangement fee on loans at Wonga.com £6.40 saving! with voucher code
-193°Expired
Found 28th Jul 2012Found 28th Jul 2012
As much as i hate to advertise these robbing ba$7@rds, this might save someone a couple of quid. Just add code WINNER under the slider bars when applying for a loan, this will rem… Read more
Read More
Cant stand wonga, glad to see so many of us think the same, i havent lost all my faith in humanity just yet
IamMT

Agree with prufrock I can't endorse any traffic to wonga.


Shame on HUKD for not agreeing with you and removing this already.
Banned
Have to laugh at the code.... WINNER .....certainly them and not you.
You should get **** lube free with their interest rates
To be fair, if you pay it back when you say you will there's no problems.

If you lend money and set a date that you can't pay then basically you're an idiot.

I borrowed £50 for like 2 days using a voucher code and paid back £50.50p or something, can't complain and it even added a positive note to my experian credit check.
Natwest YourPoints Mastercard - 18 months interest free on purchases! + 2500 points free!
-40°Expired
Found 4th Jul 2012Found 4th Jul 2012
Just applied for this, 18 months interest free on purchases and 2500 points to start with which you also get every year. You get 1 point for every £1. Plus if you are a Advantage G… Read more
Awesome deal, applied yesterday with immediate acceptance (existing customer). That 18m 0% will come in very handy, thanks OP.
If they ever sort out my bank account details post 'computer problems'!! I will consider this great deal!!
I would have said it was a good deal but I live in n.ireland and think its a disgrace that they still haven't managed to get our accounts through ulster bank (natwest) sorted out. Its gotten to the point you can't even pay using your cards as they don't know if they will be honored.
Seems good, will take them up on this offer but won't use it and just get the £12.50 worth of points every year.
useless_57

I always have a "0% on purchases" card on the go and use it to spread the … I always have a "0% on purchases" card on the go and use it to spread the cost of any big purchases or bills interest free. Haven't had a bank loan in years. Most offers are from 9 - 15 months, so this one is pretty good. So it's Nat West. So what if you dont like them? Use the card as an interest free loan and ditch it immediately after 18 months. Cant see why anyone would vote it cold.



I had a 9 month 0% card from them, only put about £500 in the total time I've had it, but totally worth it just to spread the cost of a couple of big purchases.

Applying for one of these now
Renew Library books automatically for 2 months - free (then $2.99 annually)
55°Expired
Found 10th Dec 2009Found 10th Dec 2009
RenewBot to the rescue! Forget about due dates. Recycle your library receipts. Say goodbye to stress and fines ... and hello to RenewBot your library hero. RenewBot will: * … Read more
Original Poster
blahblahdoh;7186480

This is great, you don't have to read books and take them back. You can … This is great, you don't have to read books and take them back. You can just keep them indefinitely thereby saving everyone else the trouble of reading them. If everyone did this, we could empty libraries and make them available for other purposes, thereby saving taxpayers money. :thumbsup:


Depends what you use the books for

I've registered my University library, as I tend to use books over a period of time. If other students wanted those books, they just need reserve it. This saves me going on the library website everyday to renew, as it's now being done automatically.
This is great, you don't have to read books and take them back. You can just keep them indefinitely thereby saving everyone else the trouble of reading them. If everyone did this, we could empty libraries and make them available for other purposes, thereby saving taxpayers money. :thumbsup:
Mainly targetted at US and shown in $, would anyone in the uk use it, not sure really...
Original Poster
jamespir;7175225

why would i need to pay my library does it for freee


To put your mind at rest, as it's being done automatically (every day). You don't even have to enter any payment details
why would i need to pay my library does it for freee
Halifax Student Current Account With Up to £3000 Interest Free Overdraft For Up To 5 Years!!
-28°Expired
Found 1st Sep 2008Found 1st Sep 2008
Hi there, i was at my local halifax branch queuing up to withdraw money and i came across this amazing deal. I hope you all look in to it and treat yourself. Get a student bank ac… Read more
They dont give you the £3000 even when they have history of use... excuses after excuses:x
JoolsG4;2871734

So, just because YOU personally, have had a bad experience with Halifax, … So, just because YOU personally, have had a bad experience with Halifax, that means EVERYONE should avoid them? If that's true then everyone should avoid every bank and keep their money under their mattress!In my experience Halifax have been great. I have a number of current and savings accounts with them for the last 15 years and never had a SINGLE problem with them.Compare that to the other banks I've had to deal with, and left asap, Abbey & Natwest, and in my experience Halifax are considerably better.



its not just me, i know quite a few people who have had trouble with them, you may not have had trouble or a SINGLE problem with them, however they are woeful in my experience, you may have been lucky but i've had problems occurring while simply paying in money for other people.

ive had an account with them for 20 years & nothing but trouble with them (i even got a ****** letter as an 8 year old telling me i wasn't important enough to vote on their switch to a bank :-D )

and as soon as i was able to get another bank account (at the time i had no driving licence or passport and everywhere wants those two as proof of ID so ,had to wait for someone i know to reach 3 years to recommend me to their bank) i was shot of them & it was one of the best decisions ive made financially

no people don't need to avoid every bank just them & the money under the mattress is preferable to them tbh

i'm just highlighting how frustrating and bumbling they can be, by all means show your sunnyside of halifax for but please dont expect me to not mention the darker side from my experiences as its quite important that anyone signing up for an account such as this know that they're not immune to massive mistakes as it could effect their very important choice
Also rejected for no reason
hsbc. lloyds are rubbish... iam with halifax for over 4 years... i have had no problems with them. this facility for students is great if you use the money wisely.
goodluck
Jearm84;2871332

halifax also an awful bank/building society/whatever they arebut in … halifax also an awful bank/building society/whatever they arebut in short- Halifax are woeful avoid- cold as ice



So, just because YOU personally, have had a bad experience with Halifax, that means EVERYONE should avoid them? If that's true then everyone should avoid every bank and keep their money under their mattress!

In my experience Halifax have been great. I have a number of current and savings accounts with them for the last 15 years and never had a SINGLE problem with them.

Compare that to the other banks I've had to deal with, and left asap, Abbey & Natwest, and in my experience Halifax are considerably better.
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